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EDD overpayment notice arrived with only 24 hours to respond - HELP!

Just received an EDD overpayment notice today and I'm freaking out because the deadline to respond is TOMORROW! I was on UI for about 4 months last year, then found a job at a marketing agency. The job wasn't a good fit (I think they knew it from day 1), but I stuck with it while silently applying elsewhere because I'm a single dad with a 7-year-old to support. They eventually let me go after 3 months. Now EDD is saying I was overpaid $5,800 during that period when I was working. The notice says I need to call to discuss payment options, but when I called the number on the letter, the rep told me I can ONLY respond by mail and it has to be postmarked by tomorrow! This feels impossible. I don't even care about losing my tax refund - I'll gladly pay it back if I truly owe it. I'm just terrified about what happens if I miss this deadline. Will they garnish my wages? Can they put a lien on my apartment? Has anyone dealt with this kind of last-minute overpayment notice? What happens if I can't get my response in the mail by tomorrow??

Owen Devar

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Take a deep breath - it's going to be okay. I went through this last year. The most important thing is to respond somehow, even if it's not perfect. Here's what you should do: 1. Mail your response TODAY with delivery confirmation so you have proof it was sent by the deadline 2. In your letter, explain your situation clearly and request a payment plan 3. Also fax the same letter to the EDD appeals office (there should be a fax number on your notice) 4. Keep copies of EVERYTHING Even if you miss the deadline by a day, they typically give you some leeway. They're more concerned that you're acknowledging the debt and not ignoring it. The worst things happen to people who don't respond at all.

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Brooklyn Knight

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Thank you so much for this! I'm heading to the post office right now. There is a fax number on the letter - didn't even think about faxing it too. Smart idea! Should I include copies of my pay stubs from that period? I still have them all.

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Daniel Rivera

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Try submitting through UI Online as well! Log into your account, go to Contact EDD, and select "Overpayments" as the category. Upload the same letter and any supporting documents. This creates an electronic timestamp that you responded by the deadline. I've been through 2 overpayment situations and doing all three (mail, fax, AND online) gave me the most protection.

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Brooklyn Knight

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Just tried this and it worked! I was able to upload my response letter and my pay stubs through UI Online. Such a relief to have that electronic timestamp. Thank you!

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Sophie Footman

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they cant do nothing if u miss deadline just say u never got letter. the mail is so bad these days they always believe that. my cousin got same thing and ignored it for like 3 months and then just called and said he never got nothing and they reset his deadline. they just trying to scare u

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Owen Devar

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This is terrible advice. The EDD can and will escalate collection efforts if you ignore notices. They can garnish wages, intercept tax refunds, and even put liens on property. Claiming you never received an official notice you clearly did receive could potentially be considered fraud. Always respond honestly and promptly to EDD communications.

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Connor Rupert

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I'VE BEEN THERE!!! The EDD is THE WORST with these last-minute notices! I got an overpayment letter for $7,400 last year and only had 2 days to respond. I was FREAKING OUT just like you are. Here's what happened to me: I mailed my response one day late because I couldn't get to the post office in time. I ended up getting my wages garnished for ONE paycheck before I could get everything sorted out. It was about 25% of my check. After that, I got on a payment plan ($150/month) and everything was fine. SO YES it's stressful but it's NOT the end of the world!! You won't lose your apartment!

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Brooklyn Knight

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Thank you for sharing your experience. That helps ease my mind a bit about what might happen even in a worst-case scenario. I've sent my response through every channel now so hopefully I won't face garnishment, but it's good to know the percentage if it happens.

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Molly Hansen

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I had the same problem trying to reach EDD about an overpayment. Calling the regular number was useless - just automated messages saying to mail forms. I tried for TWO WEEKS until I found Claimyr (claimyr.com). They got me through to an actual EDD rep in about 25 minutes who helped me set up a payment plan over the phone instead of waiting for mail processing. Saved me so much stress! They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km The rep even noted in my account that I had attempted to respond by phone before the deadline, which protected me from penalties while my written appeal was being processed.

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Brady Clean

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is this legit? sounds like a scam to me. why would u need a service to call edd lol

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Molly Hansen

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It's definitely legit - they don't handle your personal info, they just connect the call. The problem is EDD's phone system hangs up on you when they have "reached maximum callers" which happens like 2 minutes after they open. This service keeps dialing for you until it gets through the busy signals.

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Skylar Neal

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don't stress too much but GET THAT LETTER POSTMARKED TODAY! my situation was different (i had an eligability interview that i missed) but the key thing with EDD is they mostly care that you RESPOND not when exactly it gets there. as long as its postmarked by deadline date your good. also check if you actually owe this money, sometimes they make mistakes. did you report your earnings from that job when you were certifying?

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Brooklyn Knight

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I think that's what happened - I reported my earnings every week but I might have made a mistake in the calculations one week. I've now responded through mail (with delivery confirmation), fax, AND through UI Online, so hopefully I'm covered. Thank you!

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Owen Devar

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One more thing I should have mentioned in my first response: You have the right to appeal the overpayment if you believe it's incorrect. The deadline for appealing is usually 30 days from the notice date (not the same as the deadline for responding to the payment options). So while you're addressing the immediate deadline tomorrow, make sure you're also preparing your appeal if you think you didn't actually receive benefits incorrectly. And definitely include those pay stubs! Documentation is critical for appeals.

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Brooklyn Knight

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Thank you! I'm going to request an appeal as well. Looking back at my records, I reported every week but I might have misunderstood how to report some commission pay I received, which could explain the discrepancy. Really appreciate the guidance.

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Connor Rupert

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Wait I'm confused about something... when you say you kept applying for jobs while at the marketing place, were you still collecting unemployment during those 3 months you were working? Because if you were working full-time AND collecting UI that would explain the overpayment.

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Brooklyn Knight

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No no, I stopped certifying for UI as soon as I started the job. But the letter says there was an "income reporting discrepancy" for some weeks. I think it's because I had some commission payments that came in later, and I might have reported them in the wrong certification weeks. I've requested my complete payment history to figure out exactly what happened.

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