You are not a vendor or creditor of BFLs you are a customer.
Your refund cannot be "clawed back" as you put it.
Only recent payments to vendors and suppliers can be recovered.
Relax.
@JoeVentura: awesome, glad someone knows what happens in this case!
@BurtW: sounds bad for your friend, thanks for letting us know, knowledge might come in useful some day! I'll learn to stay away from near-BK-customers, or to charge them way more for my services to account for the risk!