this post was submitted on 11 Jun 2024
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[–] danc4498@lemmy.world 5 points 5 months ago (2 children)

Did you ever pay off that 6 figure loan? What would happen if you didn’t?

I assume the 6 figure loan is done that way to avoid paying taxes on a gift, so I wonder if there’s any repercussions for not paying the loan back. Or maybe your parents would claim that as a loss on their taxes and end up paying less taxes from it.

[–] Kastorlain@lemmy.world 8 points 5 months ago

Paid it off the third year after we got some consistent business in the industry(food software and logistics). Paid about $400 in interest over that time.

Yep, it was so they could give me far more than the limit on gifts per year and not get taxed.

I sold my half of the business to my cofounder about 2 years ago. Been retired and just raising my kids while my wife is getting back into her field(she was stay at home while I built my business).

[–] mxcory@lemmy.blahaj.zone 5 points 5 months ago

I think if you take a loan and it is forgiven without paying it back you have to pay income tax on it. (Not certain and referencing USA)