They advertised a free IRS 1099 form and said all I had to do was answer a few questions and download the form and print. I answered the questions but they then wanted $1.95 for a one time use which I agree to. Then I filled out the 1099 form and printed it. The form says its just a 1099 information form and warned you cannot submit it to the IRS or you will be charged penalties. I looked up the IRS regs and you can only submit a 1099 form to the IRS that you order from the IRS. FormSwift's 1099 information form is worthless so selling it as if it was the real IRS 1099 form is a scam. Worse, I only agreed to pay $1.95 but FormSwift charged my credit card $39.95. I disputed the charge today with my credit card company which gave me a $39.95 credit it says is permanent. Be sure to immediately dispute with your bank or credit card company any unauthorized charges FormSwift puts on your credit or bank card. One of the best things about using a credit card for purchases is the bank or credit card company's guarantee that you are not responsible for fraudulent charges. If another charge from them appears on my card, I'll dispute it again and get my money back, file a complaint with the attorney general of my state, and post a complaint on a dozen or so complaint websites.