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HELP!  Turbo Tax won't bring up the 982 for me to fill out so it's saying that I owe $3000. I received several 1099C's for cancellation of my Credit Card Debt. What do I do now? My amount of insolvency is $14.600 but I can't enter that amount because they aren't giving me the 982 Form to fill out. Does this mean I have to fill out a paper copy and file it by mail?  I haven't done that for over 10 years and wouldn't know where to begin.