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letamp;#39;s go to an and st. cloud and youamp;#39;re on news 9065 go ahead hi my question basically Iamp;#39;m thinking about filing bankruptcy simply because we went to a foreclosure and weamp;#39;ve in 2013 and we just found out through the IRS that we owe 29,000 the hundreds and taxes because of the foreclosure because the bank did a 1099 a event in a property which it wasnamp;#39;t abandoned got it so if we do bankruptcy for all of that would that take away so and that is a great question iamp;#39;m going to turn you over to attorney jim Monroe but first i want to bring people up to speed and jim you can help me with this when you do a when thereamp;#39;s a foreclosure against you or when you have done a short sale you have the lenders will notify the IRS with a 1099 that in fact there has been taxable income to an and people have been in that situation up until a few years ago Congress had wave that as taxable income but that expired I think about two years ago thatamp;#3