We are looking to file Chapter 7, I have 2 questions. If I a codsigner on my sons checking account that only includes money from his job and birthday money from relatives..can the trustee go after that money? It is with Wells Fargo and I heard that they will freeze or take that money? Secondly is your tax refund protected?? Do you have to use your homestead exemption or personal property exemption to protect it? We are in VA.