H&R Block / HRB Digital

My husband carries tax debt from a business bankruptcy some years ago. For 2013, our first year married, we filed married but separate to guard against his debt taking my refund. For 2014, we met with a "tax professional" at the Murrieta, CA office of H&R Block (10/13/15) and were advised that we could file jointly but with an Injured Spouse Allocation. We were told that the the Injured Spouse Allocation would likely delay the refund by a few months, but we were not told that acceptance of the Allocation was up to the IRS - they may or may not decide to accept it. This was not made clear to us, it was not expressed at all, in fact. Had we known that, we would NOT have filed jointly with the Allocation. Today we received the letter from the IRS stating that my refund was allocated to his debt. When I called the H&R Block office, I was essentially told "Yeah, that's a shame. I don't know why She wouldn't have told you that." Thanks for nothing, H&R. Your "tax professional" cost us $3k.