Had part of my CC debt forgiven what is date it was forgiven..when I started paying or last payment?

Question

The agreement and 1st payment was reached in Nov. of 2005 and I made the last payment in July 2006...Didn't get a1099 from them.

Answer 1

If you don't get a 1099C, don't worry about it.

Assuming that you had an agreement to pay off part of the debt as payment in full, the date that the debt was forgiven was the date that you reached an agreement with the holder of the debt. From what you say, that was November of 2005 and any COD income would have been for the 2005 tax year.