BanditAI
E-File Form 1099-C Online to Report Cancellation
of Debt
Import your data, review it with built-in checks, and e-file 1099-C forms to the IRS, then deliver recipient copies in one submission.
From $0.80/form at volume. Free corrections and retransmissions.
Rated 4.9 by 52,784 filers.
IRS Authorized Provider
File in Under 10 Minutes
No-Cost Corrections
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Form 1099-C: What You Need
to Know
Form 1099-C is used by financial institutions, credit unions, federal agencies, and other qualifying lenders to report canceled debt of $600 or more to the IRS and the debtor. It generally reports the amount of debt canceled when a qualifying identifiable event occurs.
The creditor must file Form 1099-C with the IRS and furnish the required copy to
the debtor.
One Platform, Built for However You File Form 1099-C
Whether you're filing one form or thousands, TaxBandits supports the way you already work.
For Lenders
Filing It Yourself
Preparing your first 1099-C? We make
it easy.
- Built-In W-9 Collection
- Real-Time TIN Matching
- AI Assistant
- Live Customer Support
For Tax Professionals
Filing for Clients
Handle every client's filing in a
single dashboard.
- Multi-Client Dashboard
- Role-Based Team Access
- Bulk Filing
- Branded Client Portal
For Financial Institutions / Credit Unions
Filing at Scale
Bring your data from your systems and file in bulk.
- Custom Data Ingestion
- Complex Compliance Support
- API Access
- Dedicated Support
Ready to streamline your 1099-C filing?
Everything Your Form 1099-C Filing Actually Needs
Every stage of Form 1099-C filing, from data collection to recipient
delivery, handled
in one place.
Bulk Upload
Use our CSV template to import your 1099-C data or upload your own file
as is.
Seamless W-9 Collection
Collect debtor tax information securely before preparing your 1099-C forms.
Smart Audit & Review
Identify missing information and potential filing issues before submitting your forms.
IRS Business Validation
Check business information against current IRS requirements before filing.
Share Forms for Review
Share draft forms with your team for review before submission.
Federal Filing
Submit your 1099-C forms electronically to the IRS from one filing workflow.
Form Aggregation
Combine multiple cancellation-of-debt transactions for the same recipient into one
1099-C form.
Schedule Filing
Prepare your forms ahead of time and choose when to
transmit them.
Free Retransmission
Correct rejected returns and retransmit them without additional filing fees.
10-Year Storage
Keep filed 1099-C copies securely accessible for up to ten years.
AI & Live Support
Get filing assistance from BanditAI or connect with a
live representative.
Postal Mailing
Mail debtor copies directly and track their delivery from dispatch to doorstep.
Recipient Portal Access
Give debtor secure access to view and download their 1099-C forms.
Smart Mail
Automatically mail a physical copy when a debtor does not view their online form.
Print & Mail Yourself
Download debtor copies and manage printing and mailing yourself.
Foreign Mailing
Send debtor copies securely to recipients located outside the U.S.
Attach Supporting Documents
Include supporting documents with the recipient copy when required.
Our Trusted Partners & Integrations for 1099-C E-Filing
Connect with the tools you already use
Automate End-to-End Form 1099-C Filing With our API
Connect our API with your existing software to move 1099-C data directly into the filing workflow. Import payer and recipient information, validate filing data, and e-file 1099-C to the IRS without
switching systems.
POST /v1/Form1099
Exclusive Tools Built for Tax Professionals and High-Volume 1099-C Filing
Manage more clients, more forms, and more filing requirements, all
without adding more work to
your day.
Bulk Filing
Import through bulk templates or API, regardless of how many agencies or forms you manage.
Client Management
Track every client, their filings, and their status, all from one centralized platform, without relying
on spreadsheets.
Branded Client Portal
Give each client a portal and communications that carry your firm's own brand, not ours.
Team Management
Add team members and assign preparer, approver, and transmitter roles based on your workflow.
Flexible Payment Options
Get volume-based discounts as your filing count grows, plus prepaid credit options if that fits your workflow better.
Custom Reports
Access detailed reports on filings, recipients, and team activity to monitor your filing workflow.
For high-volume filing, call (704) 684-4758 for custom pricing.
What Information Is Required to E-File
Form 1099-C Online
Gather these details before you start, and e-file Form 1099-C
with TaxBandits in minutes.
Creditor’s Information
Name, address, and TIN
Debtor’s Information
Name, address, and TIN
Debt Information
This includes,
- Identifiable event date
- discharged debt amount
- debt description
- included interest
- event code
- property FMV
Get started with TaxBandits to report your Form 1099-C online!
How to E-File Form 1099-C Online with TaxBandits
TaxBandits gives you flexible ways to import your Form 1099-C data, review
each return, and
complete filing from one workflow.
Import and validate your data
Bring in your data via a CSV template or your own file, then review checks
before submission.
CSV Templates
Integration Options
Bulk Upload
File with the IRS
Submit your returns electronically to the IRS and track filing status from your account.
1099-C
Validate & Review
Submit to the IRS
Track Filing Status
Deliver debtor copies
Send debtor copies by mail, through the online portal, or both.
Ready to e-file Form 1099-C with the IRS?
The Bandit Commitment
Ensuring Peace of Mind for Every
Form 1099-C You File
Filing a 1099-C involves more than reporting canceled debt. The Bandit Commitment reflects how TaxBandits supports your filing from preparation through completion.
-
Getting the right data in
Validate creditor and debtor information before you submit your 1099-C forms.
-
Guided, end-to-end compliance
Federal filing and debtor distribution are managed together.
-
No-cost corrections and retransmissions
Corrections and retransmissions are included at no
extra cost. -
Money-back guarantee
If a 1099-C cannot be accepted or was filed in duplicate, the filing fee
is refunded.
Get the Industry's Best Pricing for Quick and Accurate 1099-C Filing
Pricing per form based on volume
| No. of Forms | 1-10 | 11-100 | 101-250 | 251-500 | 501-2000 |
| Federal Filing | $2.75 | $1.75 | $1.15 | $1.00 | $0.80 |
Add-on
Price
USPS Address Validation
FREE
TIN Matching
$0.35/TIN
Bulk TIN Validation
$99.00/file
Online Access
$0.50/form
Postal Mailing
$1.85/form
Postal (International)
$4.99/form
Postal + Online (Combo) 10% OFF
$2.12/form
Calculate Your Federal Filing Cost
Estimated Total
$2.75
For Bulk Filers
Filing more than 2,000 forms?
Frequently Asked Questions About Filing Form 1099-C Online
IRS Form 1099-C, Cancellation of Debt, is used by creditors to report the cancellation of $600 or more of a debt owed by a debtor. Creditors may include financial institutions, credit unions, and other entities that cancel qualifying debt.
The creditor must file Form 1099-C with the IRS and furnish a copy to the debtor when the applicable reporting requirements are met.
Form 1099-C includes two copies:
- Copy A — Filed with the IRS
- Copy B — Furnished to the debtor
For Tax Year 2026, Form 1099-C must be furnished to recipients by February 1, 2027, and e-filed with the IRS by March 31, 2027. The paper filing deadline is March 1, 2027.
Visit the Form 1099-C Due Dates page to learn more about filing deadlines.
If you fail to file and furnish Form 1099-C within the specified deadlines, the IRS will impose penalties ranging from $60 to $680, depending on your business size and the delay period.
To learn more about the 1099-C penalties, click here.
Ready to File Form 1099-C?
Join over a million businesses who trust TaxBandits for accurate,
on-time 1099-C filing.
- Authorized IRS e-file provider
- Bank-grade security
- Free retransmission
