Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Question about bankruptcy and tax refunds.? - When my husband got out of the Army in 2005 I forgot to mail the receipt for the costs of moving and they sent us a bill for it. Basically, if you owe them money they take it directly out of your tax return. br br We claimed bankruptcy and got our discharge 1192010. I filed our taxes 1302010.