to start with - adjust your deductions so your returns are less.
Trustee can ABSOLUTELY take your future return(s) if they are not exempt in your filling.
Returns are assets and must be claimed like anything else you own.
If you are talking about returns before you file, use that money to pay non CC bills before you file.
I filed my own BK after being told by 3 attorneys I could not qualify. I know more than I really want to know.
http://ficoforums.myfico.com/t5/Bankruptcy/Life-is-Good-After-Bankruptcy-7-Keep-the-Course-Keep-the-...