<prompt> Human: My husband received a letter from the IRS this week dated November 7th that says he has a cancellation of debt that shouldve been reported on his 2014 taxes. According to them, a company called Credit Acceptance reported a 5,014 cancellation of debt that he failed to report. We dont know what the debt is for sure he has a few guesses, but we never received anything from Credit Acceptance. I Googled the company, and apparently they do auto refinancing and are impossible to get a hold of. The IRS has to receive our response by December 7th, and Im not sure what to do. If we had more time, Id go through the rigamarole of sending a letter to Credit Acceptance for verification of whatever this debt is and when it was cancelled. Unfortunately, we have two weeks to get this form back to the IRS. We have the option to complete a response form saying we dont agree with the changes along with sending a signed statement. Of course, the 800 he owes is the original tax plus interest, which seems dumb considering we wouldve just paid it when we found out, if we had received any information about it in the past two years. I guess what Im asking is: What are our options?Is We dont know what this debt is, why it was cancelled, or who this company is a sufficient reason to respond as disagreeing with the change? If so, what does that signed statement need to look like? Or do we just suck it up and start an installment plan? Is there a way to ask to pay the original amount sans interest? And why the heck did it take two years for anyone to let us know about this?  <response>: It should be pretty obvious to you whether you have a 5000 debt charged off or not. 