OK so this is weird - saw my credit reports (My credit card number was stolen so got all 3) and it looks like $31,000+ was "written off" but I still "owe" $18,000+ due 2022. Except they have never billed me for any of this. AND no one ever sent me anything about these actions. Ever. No bills, no notice about changes to the account…nothing. All of the deficiency was supposed to be written off but wasn't (turns out the agent lied to me as he was just supposed to let the house foreclose rather than have a short sale if they were going to make me owe the deficiency, struggling to find an attorney to sue him - he is a big fish in a small town so "conflict of interest" there and in surrounding towns and no one wants to travel there from the bigger cities. Sigh). So I call the lender and they claim I don't get a 1099c for the $31,000 (that they agree with my credit reports that they "charged off" - although the never told me this). That strikes me as very odd. Anyone have any clue what is going on with this? I couldn't get a coherent explanation from the lender but didn't want to push it because I didn't want them to try to collect. I think the rules in the state the house was (Idaho, I now live 2500 miles away) is that if they make no effort to collect in 5 years I am off the hook? What implications does this all have for when I should be getting a 1099c? Was hoping to have them all by the end of 2013 since it wouldn't be counted as income due to this used to be my primary residence… and as far as I know that rule is not extended beyond that.