Generally, if your 341 Creditor's Meeting takes place during or right after tax season, the trustee will inquire about your tax refund. If your tax refund is over $1,000, you will want to use your personal property exemption to protect it if possible. If you do not have enough of the exemption left to protect the refund, the trustee will have a right to seize the property if they choose to do so. If the refund has already been spent on legitimate expenses, there is really nothing the trustee can do at that point.
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