This is standard practice. The amount that the trustee will be permitted to take from your refunds will be determined by your filing date. If you filed early in the year, she will get less. Later in the year, and she can keep more. At times the trustee will look at the amount of your refunds and decide it is not worth bothering with. Either way, your case will remain open until you send in those returns ... so this is something you will most certainly want to do.
You did not do anything wrong. Sadly, there is not a clear exemption for your tax refunds in Arizona. You will nearly always loose at least a portion of it, depending upon when you filed your bankruptcy case and whether or not you had received and spent your refunds.
More than likely this is an attempt to ascertain your financial state and garnish-ability. In many cases I have worked with plaintiff's attorneys to reach settlements, and it will often require some financial disclosure. It is a calculated risk. You need to obtain local counsel if you are going to fight back on the issue.
Assuming you do nothing, they obtain the judgment and can collect from you later. At that time, they are likely to conduct a debtors exam and force you to give them...
This is a good time to talk to a bankruptcy attorney. There are a number of rules you must be careful about here, including the idea of paying back a friend. You will likely NOT be able to do that before you file or with that tax return. If you file before you receive your 2011 tax refund, you will lose it. If you file after you have recieved it, and spent it on acceptable items, you will likely retain the benefit of that money. Timing, and actual use of the funds are important here....
Most likely yes, though you should consult with your bankruptcy attorney if you had one. The second may have been discharged, but their lien on the home would have survived unless you otherwise were able to have this released. Thus, when the sale occurs their lien must still be taken into account. This will necessitate a short sale situation, or at the very least, the need to negotiate with them for some type of settlement for the release of lien. As this could have serious implications...
Generally yes. While not familiar with the specifics of your situation, there is not any prohibition from accessing your IRA funds post filing. If you had done so pre-filing it could be an issue, but unless something very odd is happening in your case, you should be allowed to use it.
Only two points.
First, you have an attorney, you must deal with that attorney.
Second, failure to report an asset, and you are describing an asset, could be bankruptcy fraud. This makes it even more critical that you find your attorney.
I agree with the other answers. The only way to truly protect this would be if it were actually your residence. If you actually lived there you could be protected under the homestead rules - the fact that you rent is and live out of state make this impossible.
Thus, there is a chance that they home could be lost in the scenario you describe.