When debtors are filing pro se, things like this are bound to happen. It's very unlikely that the Trustee would seek the additional $11. It's not worth the extra work it would cause for
him/her. Also, you don't bring money to your 341 hearing. A typical hearing entails the Trustee verifying the information that you provided in your Schedules.
The Trustee will review your bank statements and compare them to what you claimed on Schedules B adn C of your petition. You will not be paying any money at your 341 hearing. however, if you had more funds in your bank account then what you actually disclosed in your Schedules, then the Trustee may seek to collect those funds which were not exempt and use them to pay creditors.
I'm a little confused of what your actual question is. But, if you're asking whether or my your 2010 tax refund is subject to your bankruptcy, from the facts you've provided, the answer is no. Since you filed back in October 2010, you were not entitled to a tax refund for the 2010 year until 2011. As such, your 2010 tax return is not an asset of your bankruptcy estate. You should be receiving your tax refund and it should not be witheld.
Your tax return should have been listed in Schedule B as your personal property and exempted in Schedule C according to the exemptions in your state. Since you filed in January, you were entitled to receive your 2010 tax refund even though you may or may not have filed for it at that time. Speak with your attorney about amending your bankruptcy petition to show the tax return and exempt it. It shouldn't be a problem. You can amend your bankruptcy anytime before you receive your discharge.
None of your creditors can attempt to collect from you once you receive a discharge. You can surrender the home in the bankruptcy if you wish; it is up to you. There is no "re-affirming" mortgages on real property; at least not in Washington. If after the bankruptcy you wish to try and keep your home you can continue to voluntarily make payments. If you continue to default then the bank has the right to repossess through a foreclosure. The bank is not entitled to a deficiency since you have...
You certainly should file a proof of claim, and should do so
asap. While in most chapter 7 bankrupties there aren't any assets to distribute, ou never know for sure unless you file your proof of claim.
You should check your community property laws in your state. In Washington, when one spouse filed for bankruptcy it discharges their seperate debts along with all community debts. If this is the case in your state, the creditors are in violation of the automatic stay.
You need to contact a bankruptcy attorney immediately; as the asset was not disclosed in your bankruptcy. It is likely that you will have to re-open your bankruptcy case and exempt the $14,000 (or what the value would have been at the time of filing) to the extent that you can exempt it.