I had a car through a tote the note place and it was repoed. I had it for 10 months. Then the sent me a 1099-c form. I was adding my taxes to see how much I was getting when I d it without the 8k my taxes would have been 7k and when I add that 8k in as income it said I'm getting 1k. I didn't know tote the note can do that being that they put the car back on the lot. What am I suppose to do