The letter says we are required to fund our confirmed plan with all our disposable income. Since the trustee deems the refund as disposable income and above the net monthly income on our schedules, he says he will distribute the money to our unsecured creditors. He also states, the refund cannot be used against our monthly payment, it is in addition to our monthly payment.

This is direct from Doug Neway, the new trustee in Jacksonville, FL. Mamie Davis the previous trustee never asked for our tax return or refund. According to our attorney, this has been the law, but we were never told when filing our b/k that our refund would be required to be turned over, if so, we would have claimed more dependents. We only have a return this year because our business lost money.