Thank you for asking for me again with your new question.
If no interest is charged on a loan, the IRS cannot come after you for anything regarding interest. Charging of interest is between the parties to a loan and while you should have a written loan agreement, which would state no interest, even oral loan agreements can be enforced and the IRS would have to prove you actually received interest. They cannot charge you tax on interest they cannot prove somehow that you received. It can be imputed only if they have some legal basis to impute interest, such as payments from your debtor do not match up with what you are claiming or bank records do not match up. However, as long as you have a written loan document proving no interest and the debtor is not claiming paying interest, the IRS would lose any battle to impute interest.
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