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Insolvency Calculator for IRS Form 982 Available, Updated for 2016!
If you settled a debt in 2016 (or prior years) and had more than $600 forgiven by a creditor, you will be receiving a 1099-C for “Cancellation of Debt Income.” That “income” has to be treated as ordinary income like your paycheck, unless you have an exemption for “insolvency.” In other words, if your net
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Debt Settlement Success Seminar Now Available in Digital Version!
In 2004, I launched zipdebt.com to teach consumers how to negotiate their own debt settlements and avoid the sky-high fees charged by so-called “debt relief” providers. My training course, The Debt Settlement Success Seminar, which forms the education core for all my coaching programs, has always been delivered in the form of a physical kit.
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ZipDebt = Fast Relief
Debt settlement is just as much about managing risk as negotiating savings. The 36-48 month programs offered by most debt companies have high risk for collection lawsuits. It’s far more effective to “fast track” debt settlement in 12-18 months.
ZipDebt = Affordable Help
Instead of paying fees as high as 20-30% of your TOTAL DEBT, it’s far more affordable to work with a professional consultant who only charges 20% of the SAVINGS achieved via the negotiations. This approach saves you money and creates a win-win scenario.
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