Does the money received from an auction of the car go towards the debt owed even if you received a refund from it also?

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IF you got the "surplus" refund, it should have been payed off. You must have had a lot of equity(down payment) in the car to get a refund.
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Will you receive the money if your car is totaled out by the insurance company and you still owe payments?

Seeing that there is a "Lein Holder" (the financing company that you went through) on the registration, whatever is owed on the vehicle will be paid off first and if there is

When you will receive your refund?

It all depends on how you file. If you file the standard "mail-in" way, expect a refund in 4-6 weeks. If you do them online or with a tax professional, the wait time is