You can request a copy of your actual return
from the IRS by filling out Form 4506
. There is a $57 fee required for each tax year return being requested, and it may take up to 60 days before you receive the copy. Even though you did not actually file a return for certain years, this packet would include actual copies of any W-2
forms or 1099 forms
that were filed with the IRS.
You may also request from the IRS a Transcript of your return. A tax return transcript is not an actual copy of your W-2 or 1099 forms, but it will show you the dollar amounts that were reported to the IRS and the taxes withheld. To request a Transcript from the IRS fill out Form 4506-T. There is no charge for requesting Transcripts and they generally take about two weeks to receive. The only drawback to the transcript is that it will not contain any state
information as far as state taxes that were withheld from your pay. It only shows the federal
Regarding the foreclosure in 2007 --
The Mortgage Forgiveness Debt Relief Act of 2007 allows you to exclude certain cancelled debt on your principal residence from your income. It applies to mortgage debts that are cancelled during the calendar years of 2007, 2008 and 2009. You would still receive a 1099-C form or a 1099-A from your bank showing the amount of the debt that was cancelled, and you would still report this to the IRS using Form 982 which you attach to your tax return, but you will not owe tax on the debt forgiven.
I am giving you a link below to a section of the IRS website which explains this in more detail.
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