Contact Us
Please fill out the form below and our attorney will contact you.
Our Offices
Ratings & Reviews
-
Mr Zimmerman was helpful and kind and prompt . He always answers his phone and that is refreshing . I will be using him for my bankruptcy in the future. He is one of the good ones . He is an outstanding attorney who truley care . He made ev...
Show More -
Mr. Zimmermann is a fantastic bankruptcy attorney who handled my case with care, efficiency and urgency. We were able to beat a judgement against me in the nick of time, and I truly feel a sense of relief due to the services of Mr. Zimmerma...
Show More -
This Lawyer will go above and beyond for you. As well as show tremendous empathy for those who are vulnerable and scared. His compassion to help civilian's shows through his actions and with his word. When he says he is going to call he cal...
Show More -
I’ve worked with Mr.Zimmerman on two different legal issues. In both instances he was fantastic! He is extremely knowledgeable and compassionate and able to breakdown a course of action into language anyone can understand. I would highly re...
Show More -
I highly recommend Mr. Zimmermann as an attorny. I recently purchased an investment property and boy was he helpful. He was easily available, very clear in explaining various concepts, laws and regulations, and provided very helpful tips o...
Show More
- posted: Dec. 27, 2025
While some people wait nearly until the deadline to file their tax return, others are eager to complete the necessary forms because they expect a substantial refund. Even when people understand that the money they’re getting is what they overpaid to the government over the previous year, the payment can feel like a little bonus. However, if you filed for Chapter 13 bankruptcy and are currently in the midst of your repayment schedule, you might wonder if you’ll get to keep those funds from the IRS or New Jersey Division of Revenue.
Whether your tax refund will be distributed to creditors depends on the specific circumstances. Generally, the bankruptcy trustee takes control of funds that a Chapter 13 debtor receives outside of the income used to formulate their repayment plan. While a tax refund usually qualifies as disposable income, a debtor might not have to give it up if they are already scheduled to pay back most or all of their obligations.
When a Chapter 13 filer has what is referred to as a “100 percent plan,” they usually can retain additional income because their creditors are slated to receive everything they are owed within three to five years. In many circumstances involving tax refunds, this grace extends to filers whose schedules are designed to provide at least 70 percent repayment. Each case has unique elements though, so it is important to work with a qualified attorney who can negotiate a plan that best suits your situation and needs.
As your finances are subject to the scrutiny and control of the bankruptcy trustee, it might be a good idea to review your withholding amounts if you’re worried about a sizeable refund being taken away. This can contribute to a stable income flow year-round. If you face extraordinary, necessary expenses stemming from a vehicle accident, medical condition or home repair, your attorney can advise you about using a tax refund or other monies to address an unexpected financial obligation.
The Law Offices of James C. Zimmermann represents New Jersey residents in Chapter 13 bankruptcy proceedings as well as other debt relief matters. For a free initial consultation, please call 973-764-1633 or contact us online. Our five North Jersey offices are in Vernon, Wayne, Pompton Lakes, Hackensack and Nutley.
