My wife is filing chapter 7, I am not. Lawyer said should be no problem, our budget works out okay. She has nothing in her name except she is on the checking account that we use to pay bills.We have 2 kids and she works part time, 15 hours a week. We got our tax refund this year about 5500. My wife had a student loan of 3000 that was taken from the refund. I spent the rest on my classes for my masters that I am taking. Will that be a problem? Last year she did not work at all, so refund was from my work. Secondly, if we file in June will Trustee look at next years refund. If yes should we file seperately next year, because she will not get much of a refund. Thanks for your help.