I've searched and searched about this subject and I can't find a good course of action. This is truly a weird situation. So I have an old charge off on my credit report. It's back from 2012... well I'm now applying for a mortgage and am in the final stages of approval, but my mortgage company says I need to pay it off. no problem... I called the company to pay them off in full, but they said they wont accept a payment. They said the debt has been forgiven and I can't pay them because they issued me a 1099C. I'm not sure how to proceed here. I need them to take my money so I can get this mortgage. How do I do that? Please help!