The chapter 13 bankruptcy is different in many ways compared to the Chapter 7 option. In the chapter 13 bankruptcy you are required to list all of your income and all of your expenses. This is what the bankruptcy trustee uses to determine that you are going to meet the obligations that the bankruptcy will put in place.
You probably did not include your tax return when you listed your income. You would not consider this as income most likely. During this type of bankruptcy it is your actual income that dictates that you are able to meet your debt obligations. So your tax return is not needed to do this because it wasn't on the list as income. The trustee now considers this tax return as disposable income which you are expected to contribute towards your bankruptcy plan.
As you can see the information that you provide for your bankruptcy proceedings is extremely important, and you must declare your tax return. To assist you through the entire chapter 13 bankruptcy process including how this tax return can be handled to your advantage, you can rely on the services provided by a Louisville bankruptcy attorney.
There are some steps that can be taken to restrict your tax return from being included in your plan. It may mean having to file a modified plan which can be confusing and complex. This is where relying of the expertise of someone that is experienced with bankruptcy proceedings can be of real value.