"You Owe Us": Your 30-Day Plan When Social Security Says You Were Overpaid

Social Security says you were overpaid. Here's how to check the math, choose your answer and protect your check.

An overpayment letter can be frightening, and the clock starts right away. This workbook helps you read the notice, check SSA's math, and choose between an appeal, a waiver or a lower monthly repayment, with sample letters and scripts ready to use.

Inside you'll get:

- How to read your notice

- The clock: your 30 and 60 days

- How to check SSA's math

- Appeal (reconsideration) vs. waiver, explained simply

- How to lower the monthly repayment

- Scripts and sample letters for every step

Who it's for: Social Security and SSI recipients, and adult children helping a parent with an SSA letter.

What you get: a 47-page PDF workbook with 12 printable worksheets. Instant download. Read it on any device, or print the worksheets.

Facts checked as of October 1, 2026. Educational only. Not legal advice. Free legal aid: LawHelp.org.

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