Im not sure what a JDB is but in order for you to be stuck with a 5 figure tax bill from debt forgiveness, theyd have to be forgiving $75k+ If your income doesnt allow a BK, maybe just wait it out. Nevertheless, having them removed via dispute/BBB/FTC is not going to forgive the debt, therefore no tax liability. They will just be deleted. The debt will remain so you cant be taxed on it