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@QUESTION1234 wrote:

Do I need to include the copies of the 1099-C's with my return along with a letter stating they are not included in my return because I was the co-signer? Or do I just disregard them and go ahead and file?


When filing by mail, you leave the 1099-C off your return, and attach a copy and a written explanation.  When e-filing, you can follow the other instructions to add the 1099 then create a negative adjustment with a brief explanation.