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Thank you for your question -- sometimes, banks send 1099's out years after someone has left their bank. If they forgave debt, then this would not be taxable to you because it's from your primary residence (at the time it was forgiven)
So, fill out form 982, marking that it's home debt forgiveness.
If it's the 1099-MISC because of the cash payment, if you can show that you did not receive the funds in the current tax year, then you would not include it on your current return. Keep your records in case they ask you about it,
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