Thank you so much,@ToddL99. This was very helpful and timely advice! Many thanks.

Hi - thank you for your quick response!The cancelled debt was for credit card debt only in my husband's name. I was not on the credit card.

@AlexanderS08Thank you for your previous answers - very helpful.My case is just a bit different, as I am filing as a qualified widow.My husband passed away in 2...