Hi Claudia and Rosemary,
Welcome Claudia, unknown territory is daunting. Yes, you're describing a Ta or T1 tumor, probably T1 because BCG is being given but it could also be a Ta. The more important aspect is the 'grade' of the cancer, high or low grade. There is more info about that here;
blcwebcafe.org/staging.asp
Low grade bladder tumors, meaning non-aggressive, are the most common. Bladder cancer is very treatable at this stage. In fact, bladder cancer is a very treatable cancer even when it's high grade and stage. So first I want to say, please try not to panic.
About the word 'shaving'; you would be surprised at the number of different techniques used to do a trans-urethral resection (TUR). The electro-cautery loop thingie, a roller ball type thing, lasers, cold cup biopsies, other instruments too, I'm sure. It depends on the doctor's preference. There have never been any comparative studies done in randomized trials to see what is the best way to remove a bladder tumor. Amazing, isn't it?
Take care, and please ask questions. When you know what the pathology of the tumor was, you can fine tune your search for answers.
Wendy
PS, there is really no way to be certain of the grade or stage of the tumor until the TUR is done, and the path report comes back.