Here is a recap of my info:
-Purchased in 2006 using 80/20 loan for $175k
-Refinanced later in 2006 ($170k 1st and $45k 2nd)
-Located in Arizona under 2.5 acres, my primary residence, etc.
Since I refinanced my home in 2006, am I no longer protected by the Debt Forgiveness Act if I receive a 1099-A? I've asked two different CPA's; one said I was protected, and the other said I was not protected.