Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - My refund should be dep 129;i have offset to FDA;will filing ch 7 bankruptcy 125 delay refund?will offset? - i am planning to file chapter 7 tomorrow and my refund should be dd on friday 129. nothing shows up on wmr. i know i have an offset for foodstamp overpayment. the offset hotline says i have debt to the fda. will offset slow down my refund? if i file the chapter 7 will that affect the refund at all? i have a desperate situation.