don't replace the address in the ST by some very real address that has nothing to do with the ST.
BTW "cancellation of debt" MUST be wrong.
Cancellation of debt is the forgiveness of debt obligations by a creditor
Debt relief can be achieved through direct negotiations, debt relief programs, or bankruptcy
Canceled debt is generally considered taxable income that must be reported, but there are many exceptions.
https://www.investopedia.com/terms/c/cancellation-of-debt.as...I can hardly imagine that any debt guaranteed by a mortgage will ever be "cancelled" (forgiven) - it will go away by "being repaid".