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federal income tax debt forgiveness, forgiveness of debt tax, income tax debt forgiveness+approaches, tax debt forgiveness program+processes, forgiveness of debt taxable income, debt irs tax forgiveness, forgiveness of debt tax treatment irs, debt forgiveness on tax return, taxes forgiveness of debt, how is debt forgiveness taxed, debt forgiveness and taxes, taxation of debt forgiveness, paying taxes on debt forgiveness, how is forgiven debt taxed