“There are new stringent repayment rules too. As of March 2025, the default repayment rate jumped to 100% — meaning the SSA will withhold your entire benefit until the overpayment is recovered. Previously, the rate had been just 10% or $10, whichever was higher…
If you believe you weren’t actually overpaid, or the amount is wrong, file a “Request for Reconsideration” within 60 days of the notice. Note that if you file within 30 days, the SSA won’t collect money until a decision is made
If you agree you were overpaid but it wasn’t your fault and you genuinely can’t afford to pay it back, file a “Request for Waiver of Overpayment Recovery.” Again, filing within 30 days can stop collections while your request is pending.
If you accept the overpayment but need more time or smaller payments, file a “Request for Overpayment Recovery Rate” to negotiate different terms.
You can also appeal — up to four times — if you don’t agree with the SSA’s ruling. First is a reconsideration request, then a hearing with a judge, followed by a review of that hearing and finally a federal district court action if necessary.
For that final step especially, you’ll want professional help. Many communities offer low-cost legal aid services that handle Social Security cases.”
Social Security says you owe thousands — and just days to pay. Here’s what to do.