I settled three credit card debts in 2022 and it is now March of 2023 and two of the three have not sent 1099C forms. One claims they have mailed it but I've asked twice now and it still never showed (I called in mid-February). The other claims they do not see one generated for me on their end and suggested it was because the settlement was agreed upon in August 2022 so the form might not come until 2024? Should I continue to wait until closer to April for either of these two forms or is it safe to go ahead and file?
