if you file a Chapter 13 do you get to keep your income tax during the 3-5 years repayment plan
No. During a Chapter 13, the bankruptcy trustee will file a request that all of your tax returns be turned over to him. However, this goes toward the balance you are paying off and can help you exit bankruptcy faster. The goal of a Chapter 13 trustee is to get as much of your disposable income as possible. This will include all future tax returns, bonuses, and other timely payments outside of your regular salary.