So if you received a refund in April, and in June you filed for bankruptcy, because the funds have already been sent to you, they are yours.

Now this becomes a little more complicated if you still have the money from the refund sitting in the bank. If you have any money sitting in the bank, there is a risk that in will have to be turned over to your trustee. This has noting to do with the money coming from the tax refund itself, the reason is that savings are not protected. You are allowed to have sufficient money in the account to cover your living costs, and perhaps a small reserve, but the rest is something that technically has to be distributed amoung your creditors.