Are you trying to ask what to do with a 1099-C?
If you got a 1099-C for 2018 it has to go on your 2018 return--not your 2019 return, so if that is the case, then you need to amend your 2018 tax return.
Only 2019 data goes on a 2019 tax return. If you have a 2019 1099-C it goes on your 2019 tax return.
Please explain what you are talking about. Charge offs for what exactly? What are you trying to do?
Are you trying to ask what to do with a 1099-C?
If you got a 1099-C for 2018 it has to go on your 2018 return--not your 2019 return, so if that is the case, then you need to amend your 2018 tax return.
Only 2019 data goes on a 2019 tax return. If you have a 2019 1099-C it goes on your 2019 tax return.