Do you have to file credit card settlements on your taxes?

If the settlement was because of a dispute, like you didn't agree with the charge (or rate calculation) for some reason like product quality, then no. That's basically a change or reduction in the purchase price If it is an agreement to cancel part or all of a debt for a payment in full now, then Cancellation of Debt generally is an income item. It should be reported to you on a form 1099-C from the company the year it is recorded and your return should reflect that amount.

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