Free · Sample / Informational Use Only

Free 1099-C form generator

Fill in creditor and debtor details on the left — your 1099-C preview updates live on the right. Download it free as a PDF. This tool produces a sample document for your records; it is not filed with the IRS.

Tax Year

Creditor

Creditor NameCreditor's TINPhoneAddressAddress line 2CityStateZIP

Debtor

Full NameDebtor's TIN / SSNAccount NumberAddressAddress line 2CityStateZIP

Debt (Boxes 1–7)

Box 1 · Date of identifiable eventBox 2 · Amount of debt dischargedBox 3 · Interest, if included in box 2Box 4 · Debt descriptionBox 5 · Debtor was personally liable for repayment of the debtBox 6 · Identifiable event codeBox 7 · Fair market value of property

LIVE PREVIEW

Form 1099-C Cancellation of Debt

2026

For informational / sample purposes only — not an official IRS document.

CREDITOR'S name, address, city, state, ZIP, phone

Creditor Name

, CA

DEBTOR'S name, address, city, state, ZIP

Debtor Name

, CA

CREDITOR'S TIN

—

DEBTOR'S TIN

—

Account number (see instructions)

—

1 Date of identifiable event

—

2 Amount of debt discharged

$0.00

3 Interest, if included in box 2

$0.00

4 Debt description

—

5 Debtor was personally liable for repayment of the debt

☐

6 Identifiable event code

—

7 Fair market value of property

$0.00

Create a 1099-C cancellation of debt form online

Form 1099-C reports a debt that a creditor has cancelled or forgiven. Enter the creditor and debtor, the date of the identifiable event, the amount of debt discharged, any interest included, and the identifiable event code, and our free 1099-C generator lays out every box.

This form is free: preview it and download the PDF at no cost. Tax forms from Thi Pay Stubs are sample documents for your records and planning. File official forms with the IRS using the official versions or an authorized e-file provider.

Frequently asked questions

Who files Form 1099-C?

Banks, lenders and other creditors generally file Form 1099-C when they cancel $600 or more of a debt owed by a person.

Is cancelled debt taxable?

Cancelled debt is often taxable income, but exclusions can apply, for example in bankruptcy or insolvency. The debtor may need Form 982 to claim an exclusion; check with a tax professional.

Is the 1099-C generator free?

Yes. You can fill in, preview and download the 1099-C PDF for free, with no account needed.

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