OP, be advised that IF your tax refund is deposited into a bank account against which a judgment holder is attaching (or has already attached), your tax return can then be snatched to satisfy the judgment.
That's why people who are risk choose to have their tax returns applied to various prepaid and funded debit cards!
The tax refund is off limits to a nongovernmental judgment holder directly, but when its deposited in a bank account known to the judgment holder, you betcha its fair game....