Ten Facts for Mortgage Debt Forgiveness

by qnicholasc 19. March 2012 11:38

 

If you are a homeowner whose mortgage debt is partly or entirely forgiven during tax years 2007 through 2012, you may be able to claim special tax relief and exclude the debt forgiven from your income.

 

Here are 10 facts the IRS wants you to know about Mortgage Debt Forgiveness.

1. Normally, debt forgiveness results in taxable income. However, under the Mortgage Forgiveness Debt Relief Act of 2007, you may be able to exclude up to $2 million of debt forgiven on your principal residence.

2. The limit is $1 million for a married person filing a separate return.

3. You may exclude debt reduced through mortgage restructuring, as well as mortgage debt forgiven in a foreclosure.

4. To qualify, the debt must have been used to buy, build or substantially improve your principal residence and be secured by that residence.

5. Refinanced debt proceeds used for the purpose of substantially improving your principal residence also qualify for the exclusion.

6. Proceeds of refinanced debt used for other purposes – for example, to pay off credit card debt – do not qualify for the exclusion.

7. If you qualify, claim the special exclusion by filling out Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness, and attach it to your federal income tax return for the tax year in which the qualified debt was forgiven.

8. Debt forgiven on second homes, rental property, business property, credit cards or car loans do not qualify for the tax relief provision. In some cases, however, other tax relief provisions – such as insolvency – may be applicable. IRS Form 982 provides more details about these provisions.

9. If your debt is reduced or eliminated you normally will receive a year-end statement, Form 1099-C, Cancellation of Debt, from your lender. By law, this form must show the amount of debt forgiven and the fair market value of any property foreclosed.

10. Examine the Form 1099-C carefully. Notify the lender immediately if any of the information shown is incorrect. You should pay particular attention to the amount of debt forgiven in Box 2 as well as the value listed for your home in Box 7.

This expires at the end of the year if you are considering short sale call us NOW!  Do not take a chance and be held liable for the difference and have to pay the IRS.

For confidential consultation contact:

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melissa@ssrealtylv.com


 

 

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<b>Create Energy When Talking On Your Phone. </b>More and more people are afraid that they will have to give up some of the household appliances they have so much longed for because the energy consumption is far above their financial possibilities.Thus, after months or even years of saving money in order to purchase what they want and like the most, many individuals see the need of getting rid of them because they no longer can afford paying huge electricity bills.Most of the times giving up those electrical appliances also means giving up comfort and turning back to a lifestyle characteristic to the past years, it means frustration and sorrow and sometimes even hours wasted by doing by hand something which an electrical appliance can do in a few minutes.If your electricity bill is sucking out your last pennies, then you probably know what I am talking about.However, this situation which for many people seems hopeless can be solved in a much easier and comfortable way.All you need in order to diminish your energy bill is another source of energy, a cheap and easy to use source that will provide you with enough energy to power small appliances and significantly lower the amount of power you use from the national or local electricity provider.This power source, which can represent your salvation, is the banal phone line.Each and every day, power runs through the phone cables, power which is mainly used for keeping the phone working and sustaining the conversation.During the day, this power is used, as people are talking on the phone, but during the late hours of the night the number of people using the phone line is relatively low, so that you can gather all that energy and use it to power your appliances.This energy is included in your phone bill, so there is something you pay for, thus you have all the right to use something for which you pay.To fully take advantage of this type of power you will need a device which will gather the energy from the phone and make it ready for use.The good thing about this device is that, even though it is more efficient during the night, it can also be used during the day or even when you are speaking on the phone.You will see that in a few months you will be able to use all your appliances and still save money on your electricity bill to fulfill some of your dreams.

Valery Astafan
Valery Astafan United States
2/17/2019 7:14:21 PM #

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Agatha Schuiling United States
2/18/2019 1:10:27 AM #

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Ola Ezell United States
2/18/2019 8:11:49 AM #

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auto chess controls United States
2/18/2019 9:45:00 PM #

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Marilee Hawn
Marilee Hawn United States
2/18/2019 10:28:15 PM #

<b>How to Get a Woman Horny---Without Even Laying a Finger on Her!.</b>You may or may not know this but the female species take far longer to get sexually aroused compared to that of men.On the flipside however, although men get excited very quickly they can not remain in that state anywhere near as long as that of a woman.In order to really get your woman to her absolute peak of sexual arousal you must do one thing......tease her!By simply teasing her it is possible to get your woman to a level of horny that you may previously thought impossible.And you can do this without even laying a finger on her.Do you want to learn how to gain complete control over the arousal level of your woman?Make your woman super horny with these little-known methods:<b>Number one</b>---->By concentrating on specific sections of her body you can drive a woman insane and you can do this without even touching her!Try breathing in the scent of her hair and at the same time gently breathe warm air down her back and neck.Then try blowing on her nipples lightly.Tease her by going to lick them but then stopping short. This sort of sexually suggestive behaviour will blow her mind and have her ready to do anything for you in no time at all.<b>Number two</b>--->Tease her senseless! Try getting as close to her as you can but remember not to actually touch her in any way. You need to stop just short before making any kind of contact.It's a real anticipation builder.This can be done in all sorts of explicit ways.Try moving the very tip of your tongue to within millimetres of her clitoris.She will now be expecting to feel some physical gratification from your warm soft tongue......but she won't get it!This will drive her insane, but in a good way!There are many more tips and techniques like these that you can use to drive any woman sexually mental.Read on to learn more.....

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dota auto chess unit list United States
2/19/2019 1:57:43 AM #

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dota auto chess pool United States
2/19/2019 3:21:17 AM #

<a href="360auto.vn/.../">dota auto chess item recipes</a>bài xích viết lách liên quan đến mùa án, ông Đào Trung Hiếu - chăm gia tù hãm học, Bộ Công an đặc biệt lưu dạ đến tình máu nàn nhân nhằm vạc bây giờ trong suốt tình yêu trạng chả kệ thây quần dài.

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discover here United States
2/19/2019 8:25:10 AM #

I get this, but I do have a question.  Do you mind answering?

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