The trustee wants to take the refund and apply to unsecured debts. Not pay it into the plan. Thats the part I don't understand, if b/k is suppose to help you rebuild. Most of our debt was back taxes owed, so that is why I thought I could tell the IRS to take the refund and apply towards our taxes owed. Thanks for your reply. I guess we thought that since we filed before the reform in Oct. 2005, this wouldn't affect us.

