Harder than we thought

[Frogge]

I don't know about the conversion to a Ch7, but I wanted to address the tax return concerns. The trustee will take your tax return for next year, probably, especially if you wait much later to file. However, you can adjust your withholdings so that you are getting more in each paycheck and less in the tax return. I'm not positive, but I heard the trustee can't take any EIC for which you might qualify.

There is a calculator on the IRS Web site that will help you estimate your needed withholdings in order to minimize your return and maximize your paycheck.

Good luck!

Thanks, tunskit --this is good info as we may need to offer our refund to the trustee. I'm wondering if DH can adjust his gov't paycheck to add more into retirement and/or other exempt benefits.