After Coletta Makiling lost her job last year, it was clear that she and her husband needed to also shed their monthly mortgage payment. Their lender agreed to allow a short sale of their Ventura condominium.

On New Year’s Eve, the condo sold for $219,000, and the Makilings were freed from a mortgage on which they still owed $352,000.

But when the Makilings, who now live in Oak View, sat down to prepare their income taxes earlier this month, they were confronted with a new financial crisis.

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