Valerie S said: Okay. I just want to tell you guys it works. It really worked. I sent in a 1099-A with my TJ Maxx credit card bill two months ago, the amount was $1,671 and 45 cents. That's what I made my 1099-A for.. I continued to make my payments because I didn't know if it was actually going to work or not. And I got a new bill today with a balance of... Well, nothing's due and it's negative -$153.95 cents. So it went from $1,600 to $153.95 cents credit with them because I continue to pay my bill. So I didn't send a letter or anything, just a 1099-A with my account number, all that stuff filled out and it worked.