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If you are dealing with multiple creditors, some or all of the IRS forms 1099-C are likely to arrive next year. Different kinds of debt to different kinds of creditors may require different identifiable events to trigger the IRS form 1099-C. See the Instructions below for further explanation of an identifiable event.
The IRS Instructions for form 1099-A and 1099-C, page 4, here, states:
When To File
File Form 1099-C in the year following the calendar year in which the identifiable event occurs. If you cancel a debt before an identifiable event occurs, you may choose to file Form 1099-C for the year of cancellation. No further reporting is required even if a later identifiable event occurs with respect to an amount previously reported. Also, you are not required to file an additional or corrected Form 1099-C if you receive payment on a prior year debt.
You may not see the form until March or later in the year that the form is filed. IRS form 1099-C and 1099-A are filed with form IRS form 1096. IRS form 1096 here states:
