Politicians come up with various ways to take our money, then use it to get themselves re-elected. This highly successful system is in place at all levels of government. It requires only the cooperation of a lazy, greedy, ignorant population to continue its existence.
A judgment creditor can levy a bank account even if it is joint. A judgment creditor can only garnish income if there is no other way to recover monies owed. A judgment creditor can place a lien against real property but cannot perfect the lien as a forced sale of a primary residence. A judgment creditor cannot seize a tax refund.
It would seem that only your pre filing taxes would have been subject to the bankruptcy anyway - that is the 2005 one, so 2006 (post filing) should be most certainly clear too.
Distributions from an S-Corporation generally are not subject to self-employment tax.
If it is a Traditional IRA and you are over 59 1/2 there is no early withdrawal penalty. However, the amount you draw out is taxable since it has never been taxed before. If it is a ROTH IRA, only the earnings would be penalized and then only if you have not had the ROTH for at least 5 years.