Thank you all for replying. You guys brought new insight to my situation. However, it seems, I should have taken the steps you all mention prior to the court ordered judgement against me. Also, it looks like there's argument on both sides (creditor allowed to collect on charge-off debt, issuance of a 1099-C and creditor allowed/not allowed to collect on debt) therefore if the BofA attorney filed a civil claim against me post 1099-C, I would argue I paid taxes on the debt, but it will be up to the judge on which way he would want to rule, given there's precedence on both sides. When I spoke t