A debtor filing a Chapter 13 bankruptcy may receive income and property tax refunds during their 3-5 year payment plan. In some instances, these refunds are allowed to be kept; in other instances, these refunds must be turned over to the debtor’s Chapter 13 trustee and used to pay creditors. 

Chapter 13 bankruptcy can afford a great deal of financial relief for people who are struggling to pay their debts. In a chapter 13 bankruptcy case, the debtor (the name for a person who files for bankruptcy) agrees to pay as much as they can towards their debts in a three to five year repayment plan.