CAUTION: Tax Refund
The temptation to use your tax refund to get that one creditor that is hounding you off of your back is understandable. However, if that does not solve your entire debt crisis, you may be wasting those funds. Paying off a single creditor would be like diverting the first boulder of an avalanche.
If you pay a single creditor more than $600 in the 90 days prior to filing a bankruptcy, that is considered a preferential transfer. Many people do this with that tax refund trying to make things better. But, the trustee can seize it and then neither that one creditor or you get the benefit of your tax refund.
Rather than that, talk to a bankruptcy attorney and see if those funds would be exempt (i.e. you get to keep it).