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ESD covid overpayment forgiveness - any programs still active in 2025?

I'm dealing with a $7,800 overpayment notice from ESD that just popped up from unemployment benefits I received during the Covid lockdowns. They're saying I wasn't eligible for some reason (I honestly thought I was!). My question is - are they still doing any kind of forgiveness programs for Covid-era overpayments? I swear I remember hearing something about this but can't find any clear info on the ESD website. I'm completely freaking out about how I'll pay this back while already struggling with rent increases. Has anyone successfully gotten an overpayment waived recently? Any advice on what to do next would be really appreciated!

Alexander Evans

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I went through this last month. ESD is still processing some Covid overpayment forgiveness, but only for certain situations. You need to submit a waiver request through your eServices account ASAP. Look under the 'Overpayment' section and there should be a link for 'Request Waiver'. You'll need to provide financial hardship documentation (bank statements, bills, etc.) to prove repayment would cause serious financial hardship. They're being pretty strict now compared to 2022-2023 when they were doing more automatic forgiveness. I used Claimyr (claimyr.com) to get through to an actual ESD agent when my waiver was stuck in processing. They got me connected in about 20 minutes after I'd been trying for days on my own. Their video shows how it works: https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3. The agent explained exactly what documentation I needed and my waiver was approved a week later.

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Ruby Garcia

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Thank you so much for this info! I didn't even see that waiver request option. I'll check my eServices account tonight. Did they ask you a bunch of questions about your finances? I'm nervous about what counts as enough 'hardship' to qualify.

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Evelyn Martinez

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they dont care about us anymore covid is old news so theyre coming after everyone now. my cousin had 12k overpayment and they garnished her wages even tho she filed appeal. system is completeley broken imo

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Benjamin Carter

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This isn't entirely accurate. While ESD has become stricter about overpayment forgiveness since the end of the pandemic emergency declaration, they are still processing waivers based on the federal guidance for COVID-era claims. However, they now require more documentation and review each case individually rather than the blanket approach from 2022. Your cousin should still pursue her appeal and request a waiver simultaneously if she hasn't already.

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Benjamin Carter

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To directly answer your question: Yes, ESD is still processing overpayment forgiveness for COVID-era claims, but the program is much more restricted now than in 2022-2023. Here's what you need to know: 1. The COVID overpayment waiver program is still technically active, but now requires individual review rather than automatic forgiveness 2. You must submit a formal waiver request through your eServices account under the Overpayments section 3. Documentation requirements: - Proof of current income and expenses - Evidence that repayment would cause financial hardship - Explanation of why you believed you were eligible at the time 4. Important: There is a timeline for requesting these waivers, and they can expire, so submit ASAP 5. If your waiver is denied, you still have appeal rights through the Office of Administrative Hearings The key factor is proving that you applied in good faith and that repayment would cause significant financial hardship. Document everything carefully!

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Ruby Garcia

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This is incredibly helpful, thank you! I definitely applied in good faith - I was laid off when my restaurant closed during lockdowns and thought I qualified. I'll start gathering all my financial documents tonight. Do you know if they give payment plans if the waiver gets denied?

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Maya Lewis

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THEY ARE ROBBING US!!!! I got hit with a $16,500 "overpayment" last month and ESD is claiming I wasn't eligible even though THEY APPROVED ME IN THE FIRST PLACE!! How can they give us money and then 5 YEARS LATER decide actually no we need it back?? The whole system is designed to punish working people. I filed for forgiveness and they denied it with a form letter. Now they're threatening to garnish my wages and take my tax returns. This is CRIMINAL!!!

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Isaac Wright

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That really sucks man. Same thing happened to my brother-in-law. They're hitting everyone with these notices now. Did you try calling the appeals office directly? I heard thats different than the regular ESD number.

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Lucy Taylor

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I'm an unemployment advocate who works with these cases regularly. Here's the current situation with COVID-era overpayment forgiveness: In 2025, ESD is still processing forgiveness for pandemic overpayments, but with stricter criteria than before. The federal guidance allowing blanket forgiveness expired, but individual waivers are still possible under both federal and state hardship provisions. For your $7,800 overpayment, you should: 1) Request an official overpayment waiver through eServices immediately 2) Submit a detailed financial statement showing genuine hardship 3) Provide a clear explanation of why you believed you were eligible at the time 4) If denied, request a hearing with the Office of Administrative Hearings within 30 days Many clients have still gotten waivers approved recently, especially when they can document that: - They applied in good faith without intentional misrepresentation - Repayment would prevent them from meeting basic needs - They're experiencing ongoing financial hardship Don't ignore the notices - that will lead to automatic collection activities. Even if you can't get full forgiveness, payment plans with very low monthly amounts are usually available.

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Ruby Garcia

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Thank you for this detailed advice! I'm definitely going to request the waiver today. Can I ask what kind of financial statements they're looking for? Will bank statements and bills be enough, or do I need to create some kind of budget document too?

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Isaac Wright

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i just went thru this whole process. got a $5k overpayment notice in february. called esd like 50 times and nobody answered. finally found out about this service called claimyr.com that got me through to an actual person at esd in like 15 mins. they have a video showing how it works https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3. anyway the esd lady told me exactly what to submit for the waiver and i got approved last week! definitely get someone on the phone who can help with your specific situation

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Connor Murphy

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did u have to pay for that service? seems weird to pay money just to talk to esd when its their job to help us

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Isaac Wright

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yeah there was a fee but honestly it was worth it after spending literally days trying to get through. i was about to lose my mind from the constant busy signals and hangups

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Connor Murphy

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my friend got her covid overpayment forgiven last month but she had to prove she was like super poor basically. they made her send in all her bills and bank statements and stuff. good luck!!!

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Ruby Garcia

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Thanks for sharing that! It's encouraging to hear someone got approved recently. I'm definitely not rich, but I'm worried about what their threshold is for being 'poor enough' to qualify. Guess I'll find out...

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Benjamin Carter

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Just to clarify some misinformation in this thread: ESD's COVID overpayment forgiveness is still active, but operates differently now. Under current guidelines, there are two main paths to forgiveness: 1. Federal Equity Provision: For PUA/PEUC claims where the overpayment wasn't your fault 2. Financial Hardship Waiver: When repayment would prevent you from meeting basic needs The key difference in 2025 is that these are no longer automatic and require proper documentation. Based on current ESD processing times, expect 6-8 weeks for a decision if you provide complete documentation initially. If you need help immediately, request a "stay of collections" on your account while your waiver is processed. This temporarily stops garnishments or other collection efforts.

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Maya Lewis

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This is such BS! I submitted all the required docs for "financial hardship" and they still denied me in 2 weeks. Didn't even review everything. The whole system is rigged against us. They're just trying to squeeze money out of people who can least afford it.

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Benjamin Carter

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I'm sorry that happened. If you believe they didn't properly review your documentation, you have the right to appeal to the Office of Administrative Hearings (OAH) within 30 days of the denial. OAH operates independently from ESD and often overturns improper denials.

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Evelyn Martinez

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anyone know what happens if u just dont pay it back? asking for a friend lol

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Lucy Taylor

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If you don't address an overpayment, ESD has several collection methods they can use: - Garnish up to 25% of your wages - Intercept state and federal tax refunds - Add interest and collection fees (12% per year) - Place liens on property - Pursue collections for up to 10 years It's always better to request a waiver, appeal, or set up a payment plan - even a very small one - to avoid these consequences. Even $5-10 per month payments will often prevent more aggressive collection actions.

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