Tax Year Prior to 2020: How can I; as a consumer, hold creditors accountable for not mailing me a 1099-C by the January 31st deadline?

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Usually taxpayers found out about a 1099-C when they received an assessment from the IRS. This usually happens because it takes time for companies to forgive a debt and by that time the taxpayer had moved from where they used to live. For that reason many taxpayers never received a 1099-C.

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