How to set up payment plan for EDD overpayment notice - need advice ASAP

I just went through this last month. You need to call EDD and specifically ask for the Collections Division. They're the ones who handle payment arrangements. Be prepared with your financial information because they'll ask about your income, expenses, and ability to pay when determining your monthly payment amount. The number should be on your overpayment notice (usually different from the main EDD line).

OMG why does EDD make EVERYTHING so complicated?! i got hit with overpayment too but mine was only like $1800. took me like 5 calls before i could even reach someone to set up payments!!

You have several options for handling an EDD overpayment: 1. Call the number on your notice and request a payment plan. They'll ask about your financial situation to determine what you can reasonably pay monthly. 2. You can also appeal the overpayment if you believe it's incorrect - you have 30 days from the notice date to file. 3. In some cases, you can request a waiver if repayment would cause extraordinary hardship and you didn't intentionally provide false information. Before calling, gather your monthly income information, expense details (rent, utilities, food, etc.), and have your notice handy. They'll work with you to establish a reasonable monthly payment.

i had an overpayment from 2022 and they let me do $75/month payments. just depends on what u can afford really. they dont want to take all ur money they just want it back eventually lol

I struggled for WEEKS trying to reach someone at EDD about my overpayment. The regular line was useless - always busy signals or disconnections after waiting for an hour! I finally found a service called Claimyr that got me through to an EDD rep in about 20 minutes. Cost a little bit but saved me days of frustration. They have a demo video at https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km that explains how it works. Once I got through, setting up the payment plan was pretty simple - they asked about my income and expenses and set up a monthly amount I could manage.

Everyone is giving you advice about payment plans, which is good, but don't forget you can also REQUEST A WAIVER if the overpayment was not your fault! If EDD made the mistake or if you had no way of knowing you were being overpaid, you might qualify for a waiver so you don't have to pay anything back. They don't advertise this option much because they want their money back. You might need to specifically ask about it.

my friend had an overpayment and just ignored it. DO NOT DO THIS!!!! they ended up garnishing his wages and taking his tax refund. was way worse than if he'd just set up a plan. they don't mess around with collections.

To answer your earlier question, they mostly wanted to know my current monthly income, major expenses (rent/mortgage, utilities, car payment, insurance, etc.), and other debt payments. I didn't need tax returns, but having a rough monthly budget was helpful. They use this to determine what you can reasonably pay each month. Most plans range from 12-24 months, but can be longer for larger amounts. They're generally willing to work with you as long as you're making a good faith effort to repay. The most important thing is to address it promptly rather than ignoring it.

good luck!! just be nice to the edd person, they deal with angry people all day so they appreciate when ur polite lol. they can be more flexible with your payment amount if ur nice to them!!