<prompt> Human: Hello, I took out a expensive SUV from my local dealership. The SUV had a decent sized loan, but I could not afford the SUV so I had to turn it in, because life happens .A couple of years later the loan was forgiven. Now I have to report the forgiven loan as income to the IRS but I bearly make it as it is, what can I do?Also the IRS sent me a letter that says they will be giving me a phone call.  <response>: It doesnt matter what you do because you are going to be paying any money owed to the irs. And the irs generally does not call 