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Don't forget to check if your mom qualifies for the "primary residence" exclusion too. My father had mortgage debt cancelled and it turned out he qualified for an exclusion because it was on his primary residence. Completely different form than the insolvency one. Also, if any of those credit card debts were used for business purposes, there might be other exclusions that apply. The rules around 1099-C are really complex - definitely not something I'd try to DIY especially for an elderly parent.
Thanks for mentioning this! The debt was all from personal credit cards though, no mortgage debt or business expenses involved. It was mostly medical bills and some everyday expenses that piled up after her retirement savings took a hit. Do you know if there's any exemption specifically for medical debt that was cancelled? That makes up about half of the total amount.
Unfortunately, there's no specific exclusion just for cancelled medical debt. It's treated like any other cancelled consumer debt on a 1099-C. However, this is where checking for insolvency becomes really important. If your mom's total debts (including the medical and credit card debts before cancellation, plus any other debts she still has) exceeded her total assets immediately before the cancellation, she would qualify for at least partial exclusion under the insolvency rule. Given her age and financial situation, there's a good chance she'll qualify, but you'll need to document all assets and liabilities carefully. Form 982 is what you'll need to file along with her tax return to claim the exclusion.
Zainab Ali
Something important nobody's mentioned yet - if your mom normally doesn't file taxes because she's only on Social Security, you need to check if this 1099-C income will push her over the filing threshold. For 2023 taxes (filing in 2024), the threshold for a single filer over 65 is $14,700. So if her Social Security is her only income, and it's not taxable, you'd need to compare that $6,700 in cancelled debt to the $14,700 threshold. If it's under, she might not even need to file a return. But definitely double-check this with a tax professional, because there are different rules depending on her exact filing status and other factors. The last thing you want is an unexpected notice from the IRS later.
The filing threshold thing is a good point but I think they've changed some rules recently. My mom got a 1099-C last year and we didn't file because her total income was under the threshold, but then she got a notice from the IRS a few months later saying she should have filed. Better safe than sorry.
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Maya Lewis
Something that hasn't been mentioned - don't forget about getting access to actual tax forms and instructions. The IRS Publication 17 is free and covers a lot of basics. I actually reference it alongside my CCH guide all the time. Also, if you're doing tax prep professionally, consider investing in proper tax software rather than just guides. Even with the best guide, calculating everything manually is asking for trouble.
Isaac Wright
ā¢Which tax software do you recommend for someone just starting out? The professional versions seem really expensive.
Maya Lewis
ā¢If you're just starting out, Drake Tax is relatively affordable and pretty straightforward to use. It's what I started with. ProSeries is another good option that's fairly intuitive. For very small volume or just getting your feet wet, consider TaxAct Professional or TaxSlayer Pro which have lower entry points. You can often start with a bundle that covers a limited number of returns, then expand as your client base grows.
Lucy Taylor
One thing nobody's mentioned - join some tax professional groups online! I've learned way more from the Tax Professionals Facebook group than from any guide. Real-world scenarios and how others handled them is invaluable, especially for unusual situations.
Any specific groups you'd recommend? I tried searching but found dozens of them.
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Vera Visnjic
Quick tip - I've used CashApp Taxes for two years now and sometimes the main summary screen doesn't show every detail even when the calculations are correct. If you're worried, you might want to check the actual tax forms it generates in the "preview" or "review" section before filing. That should show Form 1040 Schedule 1 and will indicate how the 1099-K was handled.
Does CashApp Taxes have an option to include a written explanation with your tax return? I have a similar issue but with Etsy sending me a 1099-K for personal items I sold at a loss.
Vera Visnjic
ā¢Yes, CashApp Taxes does have an option to add explanations or notes to your return. When you're in the final review stage before filing, there should be a section for "Additional Information" or "Notes" where you can add explanations for unique situations. For your Etsy situation, you'd want to note that these were personal items sold at a loss, not a business activity, which is similar to the original poster's reimbursement scenario. CashApp Taxes isn't as robust as some paid options, but it handles most common situations pretty well if you know where to look for these features.
Has anyone compared how different tax software handles 1099-K corrections? I'm in a similar situation but using TurboTax and wondering if I should switch.
Honorah King
ā¢I've tried both TurboTax and H&R Block for this exact issue. TurboTax actually has a clearer interface for handling incorrect 1099-Ks. It lets you specifically mark personal payments vs business income. H&R Block works too but requires more clicking around to find the right options.
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Aisha Khan
There's another important consideration here beyond just the basis. When you contribute property to a partnership without receiving additional partnership interest, it's technically treated as a "disguised sale" unless it meets certain exceptions. If the partner is being relieved of debt or getting some other benefit, that could change how this contribution is viewed by the IRS. You should check Section 707 of the tax code to make sure this contribution isn't inadvertently treated as a sale rather than a contribution.
Diego Vargas
ā¢I don't think there's any debt involved with this laptop - he paid for it outright when he bought it. Are there other "benefits" besides debt relief that could make this look like a disguised sale to the IRS? The partnership would just be using the laptop, not paying him anything or giving him extra equity.
Aisha Khan
ā¢There are a few other scenarios that could trigger disguised sale treatment. If the partnership is going to make distributions to the contributing partner within a short period after the contribution, the IRS might view these as connected transactions. Another issue would be if the partnership is assuming any obligations related to the laptop (like a service contract). In your case, it sounds straightforward with no debt, no distributions, and no additional equity, so you're likely fine. But it's always good to document the business purpose for the contribution in your records to show it's not part of a disguised sale arrangement.
Ethan Taylor
Has anyone used TurboTax Business to handle partnership asset contributions? We're a small partnership and do our own taxes, but I'm not sure if the software asks the right questions to handle this properly.
Yuki Ito
ā¢I used TurboTax Business last year and it did walk through contributed assets. Make sure you enter the original cost basis of the property when prompted, not the current fair market value. The software should guide you through Section 704 compliance and creating the right asset entries.
LunarEclipse
I work in real estate and deal with tax liens regularly. One option nobody's mentioned is asking your title company if they can facilitate a partial release through escrow. Many title companies have relationships with the IRS and can handle this as part of closing. Essentially, they'll work with the IRS to agree that a specific amount of the proceeds will go directly to satisfy the tax debt, and the remainder can go to you. This is sometimes easier than trying to get the discharge yourself, as the title company does this routinely. Ask your realtor to connect you with their preferred title company and specifically ask if they have experience with IRS lien releases. Not all do, but the larger companies usually have a specialist.
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Yara Khalil
ā¢Our title company refused to handle this when we had a lien. They required a full release before closing. Maybe it varies by state or company?
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Keisha Brown
One thing to watch out for - make sure you're addressing BOTH your federal and state tax liens. People often focus on the IRS lien and forget that the state lien needs separate handling. Each state has different procedures for releasing their liens. I learned this the hard way when my closing was delayed because we'd handled the federal lien but overlooked the state lien process. In my case (California), the state actually required full payment before they'd release anything, while the IRS was more flexible. You might need to contact your state tax agency directly to find out their specific requirements for releasing a lien for a property sale.
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