As a requirement to refinance, the lender paid off credit card debt & increased the loan amt. I received no check and didn't control the $$. Is that pulling cash out?

[mikedillman100]

The lender was apparently not comfortable with my level of debt, and so required the credit cards be paid off, and the payoff rolled into the loan. I had no say in this, in fact I didn't even want to do it, but the lender insisted. The lender made the payments, not me; I didn't even see the money. So, I am confused as to whether this should be considered "pulling cash out," since it was required by the lender.

[DaveF1006]

If you received a 1099C, you are required to report the income even though you did not receive income for it.