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Had a fraudulent use of my credit card in LA, Calif. in April 2004. Never taken to court, no judgments. Tried to resolve this issue by 3 years of paperwork between the bank and I to no avail. Statute of Limitations in Calif. 4 years, NC where I live is 3 years, Va. where bank is located is 3 years. I get a 1099-C IRS form 8 years 8 months later now I am disabled with cancer. No income but Social Security now. How do I address this with the IRS so late after the incident?