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PA UC demanding $6000 repayment - can I reverse overpayment decision after appeal rejection?

Recently got smacked with an overpayment notice from PA UC saying I owe around $8,300 back from benefits I received last year. I already tried appealing once with all my documentation but they still ruled against me. I've been tossing the notices in a drawer because honestly I'm drowning in bills already and absolutely CANNOT pay this back. They claim I wasn't eligible even though I swear I answered everything 100% truthfully on my initial application. Is there anything else I can file after a failed appeal? Some kind of reconsideration or hardship waiver? I keep hearing different things from different people. Has anyone successfully fought an overpayment after losing the first appeal? I'm getting worried they'll start garnishing my wages soon and I'm barely making rent as it is.

Samantha Hall

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You need to file for a 'Request for Overpayment Waiver' ASAP! Don't just ignore the notices - that's the worst thing you can do. The form is on the PA UC website under 'Forms' or you can call and have them mail it to you. I had a similar situation with a $5,200 overpayment notice last spring. The waiver basically asks about your financial situation and if paying it back would cause severe hardship. They can potentially waive part or all of it if you can demonstrate hardship. Also request a payment plan while the waiver is being reviewed. Otherwise they WILL start collection actions including tax refund intercepts and wage garnishment. I went through hell trying to reach someone at UC to discuss my options, but finally got through using Claimyr (claimyr.com). They have a video showing how it works: https://youtu.be/CEPETxZdo9E?si=WL1ZzVZWG3KiHrg2. Got me connected to an actual person who could help within about 20 minutes instead of days of busy signals.

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Noah Torres

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Thank you!! I didn't know about the waiver option. How long did your waiver take to get approved? And did they stop collection while it was processing?

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Ryan Young

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I HAD EXACT SAME THING HAPPEN!!!!!! They said I owed $7600 back and I ignored letters for 2 months and then they took my STATE TAX RETURN without warning!!!! Then started taking 25% of my paycheck!!!! DO NOT IGNORE THIS!!! They will get their money one way or another!!!!

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Noah Torres

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Oh god that's terrifying. Did you try fighting it at all? Or did you just have to pay it all back?

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Sophia Clark

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so what was the reason they said you weren't eligible? that matters for what your options are. if it was an employer dispute thats different than if they say you reported wrong info

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Noah Torres

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They're saying I didn't report some freelance work correctly, but I literally reported every penny I made. I think they misinterpreted something on my application because the amounts they're claiming don't match anything I ever earned.

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Pennsylvania UC overpayment notices can be challenged through several methods even after an initial appeal rejection. Here are your options: 1. File for a Request for Reconsideration within 15 days of receiving the decision notice (this deadline is strict) 2. Request an Overpayment Waiver based on financial hardship - the form is UC-1771 which you can download from their website 3. Request an installment payment plan while pursuing other options 4. Consider a second-level appeal to the PA Unemployment Compensation Board of Review 5. Request a fault determination review if they classified it as a fault overpayment but you believe it wasn't your error Don't ignore the notices as that will eventually lead to collection activities including tax intercepts, wage garnishment, or even liens. The PA Treasury can collect up to 25% of your wages. For the waiver, you'll need to provide detailed financial information showing that repayment would cause significant hardship. It's important to be thorough with documentation of your income, expenses, and overall financial situation.

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Noah Torres

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Thank you so much for this detailed info! I think the reconsideration deadline has passed (it's been about a month since the decision), but the waiver sounds like my best option. I'll download that form today.

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You're welcome! Even if the reconsideration deadline has passed, definitely pursue the waiver option. Make sure you include all relevant financial documentation - bank statements, bills, rent/mortgage, medical expenses, etc. The more thoroughly you can document your hardship, the better your chances. While waiting for a decision on the waiver, also request a payment plan to show good faith and potentially prevent collection activities.

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Madison Allen

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my cousin got one of these and just moved to another state and they never found him lol

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This is extremely bad advice. Unemployment overpayment debt doesn't disappear by moving states. The Treasury Department can still intercept federal tax returns, and many states have reciprocal collection agreements. Additionally, this type of debt typically doesn't expire and can affect credit ratings, future employment, and even eligibility for other government benefits.

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Madison Allen

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geez it was just a joke calm down

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Joshua Wood

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I went through this nightmare last year with a $9,200 overpayment notice. After my first appeal was denied, I requested a waiver based on financial hardship (Form UC-1771) AND requested a payment plan at the same time. The waiver took about 10 weeks to process but they eventually approved a partial waiver - I still had to pay about 40% back, but it was way better than the full amount. During those 10 weeks, they put a hold on collections because I had the payment plan in place. Make sure you're checking your portal for messages regularly because sometimes they request additional documentation for the waiver with short deadlines. If the overpayment is due to income reporting issues, gather ALL your payment records, bank statements, 1099s, anything showing exactly what you earned when. Sometimes the issue is just miscommunication or timing of reporting. The worst thing you can do is nothing. I tried that for the first month and then got a garnishment notice that scared me straight!

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Noah Torres

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That's super helpful, thank you! Did you use a template or specific wording for your hardship explanation? I'm worried about saying the wrong thing.

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Joshua Wood

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I kept it factual and detailed. Listed every monthly expense with exact amounts, explained my current income vs. expenses showed I was already in the negative each month. I attached copies of bills, bank statements, and rent receipts. I think the key is being very specific about your financial situation rather than just saying "I can't afford it." Also explain any health issues, dependents, or special circumstances that affect your finances.

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Justin Evans

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I tried calling PA UC about my overpayment for two weeks straight and kept getting busy signals or disconnected. Finally used this service called Claimyr (claimyr.com) that other people here were talking about. They have this thing where they connect you to unemployment quickly - watched their demo video (https://youtu.be/CEPETxZdo9E?si=WL1ZzVZWG3KiHrg2) and it worked exactly like they showed. Got through to someone who explained all my options. Turns out I qualified for a non-fault overpayment which was way easier to deal with. Might be worth trying if you're getting nowhere with the regular phone lines.

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Sophia Clark

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how much does that service cost? seems like it would be expensive

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Noah Torres

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I'm definitely going to check this out. I've been trying to call for two days with no luck. Thanks for the recommendation!

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Samantha Hall

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Any update on your situation? Did you file the waiver yet?

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Noah Torres

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Yes! I finally got through to someone at UC using that Claimyr service others mentioned. The agent helped me understand my specific situation better - turns out mine is classified as a "non-fault" overpayment which is slightly easier to deal with. I filed the waiver yesterday and also requested a minimal payment plan ($25/month) while they review it. The agent said that should prevent any collection actions for now. Will update when I hear something about the waiver!

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Samantha Hall

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That's great to hear! Non-fault overpayments are definitely easier to get waived. Keeping my fingers crossed for you!

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