The saying goes that there is nothing certain but death and taxes, and you know from experience how different types of taxes impact your life. Therefore, if you are considering bankruptcy, you can expect that a key topic will be taxed. In the same way that you might owe amounts for a credit card, you incur a debt on your record when you do not pay taxes. Another aspect of taxes to review when looking at your options under Chapter 7 or Chapter 13 is your yearly return. For many, your annual tax return is often followed by a refund that provides critical financial support when you are overwhelmed with debt.