Lost my ESD overpayment appeal - repayment timeframe and penalty questions?

Sorry to hear about your appeal. Yes, ESD does offer payment plans for overpayments. You should contact them ASAP to set one up - don't ignore it as that can lead to additional collection actions. They can set up monthly payments based on your financial situation. There's no interest charged on ESD overpayments as long as you're making payments according to your plan, but they can add a 1% per month penalty if you don't respond or make arrangements. They can also potentially garnish wages or intercept tax refunds if you don't address it. The good news is they're usually pretty reasonable about payment plans.

this happened to me last yr they initially said i owed 12k!! u can definitely do a payment plan i ended up paying like $120 a month but the annoying thing was i had to call them everytime i wanted to make a payment, couldn't just set up autopay with a card. not sure if its changed. good luck, it sucks but ull get thru it!

I had an overpayment situation in 2024 and found that if you contact them directly they will work with you on a payment plan based on your current income. DON'T IGNORE IT though - that's when they start collection procedures and can even take your tax refunds. They gave me 24 months to pay off my balance with no interest, but I had to provide information about my current financial situation. Call the overpayment recovery unit directly at the number on your notice. Be prepared for a LONG wait time though - I was on hold for over 3 hours!

When I had to deal with an ESD overpayment last year, I used Claimyr to reach an agent without the ridiculous wait time. I watched their demo video (https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3) and signed up on claimyr.com. They got me connected to an ESD agent in about 20 minutes instead of spending my entire day on hold. The agent set up a payment plan based on my income - I'm paying $150/month for 18 months with no interest. Just make sure you have all your financial info ready when you call so they can set up an appropriate plan. They'll ask about your income, expenses, and ability to pay.

the esd website says they can garnish wages up to 25% and take ur tax refund if u dont pay. and they can charge 1% month interest after 30 days from the notification date. better call them quick and get a plan setup!!!!

Some important things to know about ESD overpayments: 1. You have 30 days from the date on your notice to either pay in full or set up a payment plan 2. Payment plans are typically set up for 12-24 months, but can be longer for larger amounts 3. They will consider your financial situation when setting up the plan 4. You can make payments online through your eServices account once the plan is established 5. You may qualify for a waiver if the overpayment wasn't your fault and repayment would cause financial hardship 6. Even if you lost your appeal, you may still qualify for a waiver of some portion Contact the ESD Collections Unit at 888-444-8911 to discuss your options. Be prepared to wait on hold, but they're generally helpful once you get through.

I think this whole system is DESIGNED to be confusing! They make the reporting requirements so complicated that ANYONE can make a mistake, then they come after you for money years later. The appeal process is a JOKE - they almost always side with ESD. My friend got hit with a $15,000 overpayment for honest mistakes and had to declare bankruptcy. It's CRIMINAL how they treat people who are just trying to survive!

make sure u look at ur overpayment notice carefully to see if its a fraud overpayment or non-fraud overpayment. the non-fraud ones r easier to handle n sometimes they waive part of it if u can prove financial hardship. but if they labeled it as fraud u have less options

One more thing to consider: if you're still struggling financially, you might qualify for a hardship waiver for part or all of the overpayment. You'll need to complete the "Overpayment Waiver Application" form and provide documentation of your financial situation. This is separate from your appeal, so you can still apply for this even though you lost the appeal. These aren't automatically granted, but it's worth trying if repayment would cause significant hardship.