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Good afternoon. There's good news and bad news. 1) The bad news is that since this wasn't his homestead, it would not qualify as the principal residence of the borrower. 2) The good news, however, is that the IRS' only claim is against his estate, not you. Since the estate is insolvent, the IRS simply will write off the debt. Since you were not liable on the debt itself since you were not the borrower on the loan, the loan was nonrecourse to you and the other heirs. Thus, you has no liability
for the debt and thus there could be no forgiveness. So, you have no worries with the IRS.
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