If you owe money to a bank can they take your return?

[laytee079]

Credit card companies CAN take your income tax refund if they have a judgement against you.It happened to me this year.I called the IRS and they said there was nothing I could do about it to get my money back.

[HelenC1]

The IRS cannot seize your refund for the following: 

• Credit Card or Mortgage Debt (Not Related to Bankruptcy). 
• Only federal agencies can take your refund. However, if your bank account has a lien on it, a creditor might be able to swoop in and take money out if it's notified you received a hefty deposit. 

Related information: 

• Tax Refunds May Be Applied to Offset Certain Debts ... - IRS.gov