I guess the 1099C does not apply to Stephanie since she died in March. Since she had a roommate in 2020, the $800 loan in 2020 ( for their 1st month rent in affordable housing) could be considered a $400 loan to Stephanie and $400 loan to her roommate, even though I only dealt with Stephanie. If it looks like the roommate will not pay anything, do I need to send a 1099C to the roommate? The roommate might not have a real job and might not file taxes anyway.
