💥 Charged-Off? Here’s the Truth. If your creditor filed a 1099-C, that debt was forgiven — not owed. 📄 IRS Publication 4681 says once a 1099-C is issued, the debt is discharged and can’t be legally collected. So if it’s still showing on your credit? That’s illegal reporting. Dispute it. Delete it. Type CREDIT and I’ll show you how. | Invest In You Credit Consulting
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💳 Dealing with a Charge-Off and No 1099-C? Here’s What to Do! 🧾📉 If you see a charge-off on your credit report but never received a 1099-C, don’t panic — here’s your action plan! ✅ 1️⃣ Request a 1099-C from the creditor to zero out the balance on your report. This helps confirm the debt was canceled. 2️⃣ Treat the 1099-C as income 💰 and report it when filing your taxes. Yes, it’s taxable — but it gets the balance off your credit! 3️⃣ Explore tax-saving strategies 🧮 like payment plans or bus
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