I am settling a debt with a credit card company. How do i avoid a 1099-C.?

The collection agency sent me a settlement offer. Can i add any language in my response to avoid a 1099-C.

I was thinking of saying %26quot;apply to principle first%26quot; or %26quot;this is payment of a contested liability.%26quot;

appreciate any response.

I am settling a debt with a credit card company. How do i avoid a 1099-C.?small business loans

If you pay less than the full amount owed, there is no way of avoiding a 1099-C that I know of.