(This is a creditor question, and I don’t represent creditors.

It’s complicated.

Hopefully just the next one (in a Chapter 7).

You will normally only lose one tax refund to the bk trustee, and if you do it right, then you won’t lose any refund money at all.

Your case gets dismissed, you still owe the money, and you are no longer protected from your creditors.

You lose it unless you receive it and spend it first.