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When you file a chapter 13 bankruptcy, you will also be giving up one half of your income tax refund every year. This will be for three or five years depending on your time allotment by the court. The income tax refund money is applied to the unsecured debt that may not receive any type of payment at all. You should not take on any new debt during the chapter 13 bankruptcy. This could cause you to fall behind on your bankruptcy payments and result in a termination of the court agreement.