under chapter 13, does the IRS usually, take your tax refund away from you?

Answer 1

Not necessarily. Unlike a chapter 11, a Chapter 13 is a debt payoff/debt relief plan. You agree with your debtors on an amount to payoff on your debt. You could pay as little as 10% back on your original debt, or as much as 100%. As long as there is a payment plan in place, which usually requires a set amount taken from your pay each month, the IRS won't bother it. Only if you owe back taxes will they come and take your refund and attach bank accounts, and make things really ugly for you.