WE had a car loan we got behind on and it was charged off in 2008.Me and my husband received 1099-c he received one in his name and I received one in my name what do we need to do.

If each Form 1099-C amount represents ONE HALF of the amount of the loan balance on the car, then you combine the amounts on Line #21 and report it as "Other income" in the same tax year that is on the Form 1099-C.