Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Bankruptcy & 2009 tax filing/refund? - we filed bankruptcy last september 2009. we were told that we will need to copy the trustee of our returns and they will prorate what we can keep and we have to mail the refund check directly to the trustee. Our bankruptcy has not been discharged yet - perhaps due to waiting for the tax returns? this is in AZ -