In general:

• If you are below means you can keep your tax returns up to the allowed amount

• If you are above or below means you can keep any of the return that is earned income credit or child tax credit

• If you are above means you must send all remaining money to the trustee.

• If you are behind in your plan the trustee will use the tax return to catch you up

• If you are current the trustee will give the money to unsecured creditors

• If you are in a 100% plan the payments will be used to finish the case earlier

• Money to the trustee will be applied to the back of the plan not the current part of the plan so you will not be ahead

• Also in following years if you wish to not deal with this process you can change your withholdings. Withholding slightly less to try not to get a return next year