Got a 1099c for a discharged credit card through bankruptcy title 11 i 2002 or 3.

Based on what you're describing, it sounds as though this debt may be nontaxable.

However, see the TurboTax Help article How do I report excludable (non-taxable) canceled debt? for more information, and for guidance on how to deal with this in the TurboTax program.

The 1099-C was issued because you had forgiveness of debt. You MUST file Form 982 with your return in order to let the IRS know that it is not taxable because you were insolvent. IRC 108 says that when a taxpayer is insolvent any Cancellation of Debt is NOT taxable to the extent they were insolvent. The instructions to Form 982 have good information for you to use.

The bottom line is if before your bankruptcy was discharged you had MORE liabilities (debt) than you had FMV of assets - then you were insolvent. Keep any paperwork you use to compute whether you were insolvent or not because the irs might ask you to supply them. Remember, compute the insolvency right before the B/Ruptcy was final and your debt was forgiven.

If you were NOT insolvent then you will have to claim the amount as income.