A not so great debt settlement company sent year end notices to the IRS but not to us! We read that about 2 million people last year got blindsided with letters from the IRS for taxes owing plus penalties for cancelled debt not reported as income. Im told we were supposed to have sent in a Form 982. This was for our 2017 return. Can this even be amended at this point? Unfortunately the IRS started us on a repayment monthly plan of $105 for a $7000 amount this past year. If we can amend, will this stop this payment plan? Is it too late? Can we even do this ourselves? Some have suggested a lawyer has to do it. We're kinda lost??