Specialized loan Servicing, LLC sent me a IRS form 1098 for 2018 on a heloc loan that was discharged 10 years ago in chapter 7. I have never received a form 1098 since the chapter 7. Can I assume I can use the outstanding mortgage principal listed on the form as basis for negotiating a settlement to release the lien from the property? I reached out to them last year, but they wanted financials and I wouldn't provide - and they wouldn't give me an outstanding balance. Also, I'm listed as a borrower and my ss number is on the form as well - is this normal for a discharged chapter 7 loan? I did check my credit report to make sure it wasn't on there and it's not. I maybe selling the home and relocating in 6 months, and would like to get this second mortgage monkey off my back for a clean closing. Any advise?