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Let me take a shot at this
One more attempt to clarify things (to the best of my knowledge):
The tax credit works against your Tax BILL. When you fill out your taxes, your BILL (ie the amount you OWE) gets reduced by the amount of the credit. If you are getting a refund, you don't have a bill, so you can't use the credit. The idea is that you use your money for the adoption, and not hand it over to the government.
The tax credit is a non-refundable credit. You don't get any additional refund.
So, what should I do if I usually get a refund? Change your withholding status with your employer. (Is it the I-9 form? I can't remember). Have as little tax taken out as possible. Talk to a tax professional, as there are penalties for people that don't have enough tax withheld and I'm not sure if they apply in situations where a credit is applied. (In other words, don't have them withold nothing unless a tax lawyer says that's ok!)
Hope this helps!
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