Thank you. My other concern is the YES on box 5 (Personal Liability). Someone told me that this means the debt was not cancelled and I have to pay the difference. What do I do? Do I get an attorney or talk to the lender?
I am so scared with all of this.
Thank you so much for your quick reply.

If you will read the instructions to form 1099a, you will find that an "x" in this box indicates that you were personally liable for repayment of the debt, at the time the debt was created or when it was last modified.