When the lender writes off a part of the debt the IRS may be saying that amount of the debt written off is taxable income to you.
Check with a tax lawyer to look a exactly what the document is, the documents it relates to and the entire details of the situation.
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No one can know what the record is in the case because online we cannot see your documents. You need a lawyer. Check with a lawyer in your locale to discuss more of the details.
Good luck to you.
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