I had a credit card account with Chase Bank, which had the wrong first name on the account (despite my writing and calling to ask them to fix it, they never did), but everything else is correct and it was my debt. When I lost my job I filed bankruptcy at the end of 2009 and the debt was discharged in January 2010. The Chase credit card was included on my list of creditors, so they were notified, but because of the different first name issue, continued to ignore it and any other collection agency they assigned also continued to ignore the discrepancy. Chase has now sent me a 1099-C, -- do I have to pay tax on a debt was discharged? How do I show insolvency? I don't have money for an attorney or an accountant so I'll be doing it on my own, so any help is greatly appreciated. Thank you!