they are keeping my refund. It will cause financial hardship! Im struggling, hence the extension. Do I have a chance to my funds if I file a disagreement?

An extension to pay off what they say I owe.  I was approved for an extension with all interest and other charges up to the date of extension has been added to what I owe. Its less than 1000, Its like a million when you dont have it and are barely making it.  This refund will help me to take care of extra expenses that I can not afford.  Which will help me to catch up and be able to pay the IRS by the date given. Other wise its all bad!