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Chad Winthrope

Can I file new Washington ESD claim if I still owe unemployment overpayment?

I got laid off from my warehouse job last week and need to file for unemployment, but I still owe Washington ESD about $2,800 from an overpayment they said I had two years ago. I've been making small payments when I can but haven't paid it off completely yet. Can I still file a new claim or will they reject it because I owe them money? Really stressed about this because I need the benefits to pay rent.

Paige Cantoni

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Yes, you can absolutely file a new unemployment claim even with an outstanding overpayment debt. Washington ESD doesn't reject new claims just because you owe money from a previous claim. However, they will likely offset your weekly benefit payments to collect on the debt - meaning they'll deduct a portion of each payment until it's paid off.

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That's a relief! Do you know how much they typically take out of each payment?

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Paige Cantoni

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Usually they take around 25-50% of your weekly benefit amount, but you can sometimes negotiate a lower percentage if you're having financial hardship.

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Kylo Ren

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I was in the exact same situation last year. Filed my claim online and it went through fine, but yeah they definitely took money out of each payment. Better than nothing though - I still got about half my weekly amount.

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How long did it take for them to start the deductions? Was it immediate?

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Kylo Ren

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Started with my very first payment. But honestly, I was just glad to have some income coming in.

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File immediately - don't wait! You need to get your claim started as soon as possible since there's a waiting week anyway. The overpayment situation won't prevent you from getting approved, it just affects how much you receive. If you're having trouble getting through to Washington ESD to ask questions about the offset amount, I recently discovered this service called Claimyr (claimyr.com) that actually gets you connected to agents without the usual runaround. They have a demo video at https://youtu.be/7DieNd3C7zQ showing how it works.

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Thanks, I'll check that out. The phone system is always so frustrating.

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Jason Brewer

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Never heard of Claimyr before but anything that helps with those phone calls sounds worth trying.

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WAIT - make sure you understand what type of overpayment you have first. If it was fraud-related they might handle it differently than if it was just a regular overpayment from reporting errors or something.

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It wasn't fraud, just some confusion about part-time work I was doing while on unemployment. They said I didn't report it correctly.

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Ok good, that's much easier to deal with. Regular overpayments won't block new claims.

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Liam Cortez

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Don't let that debt stop you from filing! The worst thing you can do is not file and miss out on benefits you're entitled to. Washington ESD will work with you on payment arrangements.

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Savannah Vin

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Exactly! File first, figure out the payment stuff later.

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You're right, I need to just do it. Thanks for the encouragement.

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Mason Stone

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I owed them like $1,200 and they took $45 out of my $180 weekly payment. Wasn't too bad honestly, still left me with enough to get by until I found work.

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That doesn't sound too terrible. I was worried they'd take like 75% or something crazy.

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Mason Stone

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Nah, they want you to be able to survive while looking for work. They're not completely unreasonable about it.

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Paige Cantoni

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Just make sure when you file your weekly claims that you're completely accurate about any work or income. You don't want to create another overpayment situation on top of the existing one.

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Definitely learned my lesson about being super careful with reporting everything.

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Yeah that's how I got my overpayment too - missed reporting some odd jobs I did.

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The system is so messed up, they make it nearly impossible to reach anyone when you have questions but then penalize you for mistakes. At least you can still file though.

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Emma Olsen

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That's why services like that Claimyr thing mentioned earlier are probably worth it. Saves you from sitting on hold for hours.

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Yeah I'm definitely going to look into that. The phone situation is the worst part of dealing with Washington ESD.

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Lucas Lindsey

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File online through SecureAccess Washington - it's way easier than calling anyway. Your overpayment debt should show up in your account dashboard once your new claim is active.

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Good to know, I'll use the online system. Thanks!

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Sophie Duck

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The online system works pretty well most of the time, much better than trying to get through on the phone.

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One thing to watch out for - sometimes they'll put your claim in adjudication if there are any questions about your past overpayment or current eligibility. Don't panic if that happens, it's just them reviewing everything.

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How long does adjudication usually take?

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Can be anywhere from 2-6 weeks depending on how complex your situation is and how busy they are.

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If you end up in adjudication and need to speak with someone about it, that's another situation where Claimyr really helps - getting through to the right department to check on adjudication status.

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Anita George

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I had an overpayment from 2019 that I never fully paid off and filed successfully in 2023. They just automatically deducted from my payments. No big deal.

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That's reassuring to hear from someone who actually went through it recently.

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Same here, had an old debt and still got approved for a new claim without any issues.

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Logan Chiang

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Make sure you keep making those small payments on the old debt even after you file the new claim. Shows good faith and they might be more flexible with the offset amount.

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Good point, I'll keep up with the payments I've been making.

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Isla Fischer

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Yeah, don't just stop paying because they're taking it out of your benefits too. Keep doing both if you can afford it.

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Bottom line - file immediately. The debt doesn't disqualify you from benefits, it just reduces the amount you receive. You're still entitled to unemployment if you're eligible based on your work history and reason for separation.

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Thanks everyone, I'm going to file today. Really appreciate all the advice and experiences you shared.

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Ruby Blake

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Good luck with your claim! Don't let the overpayment stress you out too much.

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And remember, if you run into any issues or need to talk to someone at Washington ESD about your specific situation, Claimyr can save you a lot of frustration with the phone system.

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