I lost my license and my job because I mobile security and now I really can't pay and if I do file bankruptcy will I lose my tax refund?
Essentially isn't necessarily. First, you don't file until you have to. Second, consult a consumer attorney who handles bankruptices so you know what you'll need, what your options are.
You want to talk to an attorney about the license issue--unless you were dui it may be possible to get it back.
