As a debtor going to court to have my assets discovered I know my exemption rights. However my tax refund (minus the EIC) is going to be used with the wild card exemption. Now the exempt refund will be placed on the H and R emerald money card. By H and R placing my exempt refund on the specific money card the card may be considered a bank account in which a creditor can take? Do I report the specific card as a bank account to the creditor to try to save the refund if this is the case? And if the creditor cannot collect and wants to revisit, say next year is my next yeas refund in danger?