I made payment arrangements with Zions bank to make payments on a repossessed vehicle. I then found out that Zions bank filed a XXXX to the IRS- Cancellation of debt, making the entire amount of the loan I was currently making payments on taxable as income. 
I tried multiple times to ask Zions bank to send an amended XXXX to the IRS and they refused and then ignored my request. I stopped making payments to Zions. 
Why should I make payments on a debt that Zions bank has claimed to the IRS as being forgiven and is now counted as my income. PLUS they refused to amend the XXXX? 
They have continued to try to collect and still have refused to file an amended XXXX ( cancelation of debt ) and have even garnished my wages. I now owe the IRS for the entire amount of the loan as income and the bank as unpaid debt. 
I am now forced to file bankruptcy. 
