FolkKeeper
For families handling a parent's Social Security mail
Mom got a letter from Social Security. Here's what it means.
Take a photo of it. In about a minute you get the amount, the exact dates and the form to send.
Upload the letter
Free · No account · Not a law firm · Not affiliated with SSA
What you get back
One page. Every date. The right form.
The review appears on screen about a minute after you send the letter. Sample numbers shown.
Your reviewNeeds action
The amount$11,412.0050% withheld from January 2027, about $940 a month
Your dates
Stop withholding byNov 18, 2026Last day to appealDec 18, 2026
What happenedA pension started and was not reported, so some checks were too large.
Your best optionSSA-632Ask SSA to waive it. Not her fault, and repaying is a hardship.
How it works
You keep the letter. We keep track.
- 1Send a photo, or answer 4 questionsCover the name, address and numbers. We only need the text.
- 2Get your review in a minuteWhat happened, how much, the exact dates and which SSA form fits.
- 3Stay on top of it until SSA decidesCase support adds reminders for the family and a log of every call.
Why not just ask ChatGPT?
A chat answers once. An overpayment takes months.
| ChatGPT | FolkKeeper | |
|---|---|---|
| Remembers your case | – | ✓ |
| Reminds you before each date | – | ✓ |
| Dates from SSA rules | ~ | ✓ |
- It forgets. Your case file keeps every letter, form and call.
- It does not remind you. We text the whole family before each date.
- It guesses dates. Ours come from SSA's rules.
Free tool
When are your deadlines?
Counts the 5 days SSA allows for mail. If your letter shows an earlier date, use the earlier one.
Pricing
Start free. Pay only if you want us on it.
Letter review$0
Plain-English summary, your exact dates, which form fits and why, a checklist of papers.
Get my free reviewCase support$149
Your form filled in from your answers, reminders for the whole family, a log of every SSA call, a check of SSA's answer.
Case support + a pro$149+
We introduce an attorney or SSA-accredited representative who takes overpayment cases. Their fee is agreed with them and approved by SSA.
You sign and send the forms yourself. We are not a law firm and do not represent you before SSA. Partner firms may pay FolkKeeper for introductions; that never changes what you pay them.
Questions families ask
Can I do this for my mom or dad?
Yes. Most of our users are adult children or spouses. Your parent signs the form; you can do everything else.
Are you lawyers?
No. We explain the letter, find the dates and help you prepare the form. For a hearing or a complicated case, we will point you to a legal aid office or a representative.
Do you file anything with SSA?
No. You or your parent sign and send the form. We tell you exactly how: in person, by certified mail, or online where SSA allows it.
Waiver or reconsideration?
A reconsideration (SSA-561) says SSA got the amount or the reason wrong. A waiver (SSA-632) says the money was owed, but it was not your fault and paying it back would be a hardship. Sometimes you file both.
What happens to the photo?
We delete the photo as soon as the letter has been read. We keep only the dates and amounts from it, encrypted, and delete those after 30 days.
Is this done by a computer?
The letter is read by software that pulls out the date, the amount and the reason. The deadlines are then calculated from SSA's published rules, not guessed.
Why is SSA taking half the check?
Since April 25, 2025, new Social Security and SSDI overpayments default to 50% withholding. SSI stays at 10%. Responding in time can stop or lower it.
More in our guides: SSA-561 vs SSA-632 · How to fill out SSA-632 · If SSA is withholding 50% · After a parent died · How to read the letter
Free review
Send us the letter.
We never ask for an SSN, a login, a card, and we never call.
Reading your letter
- Reading the letter
- Finding the date, the amount and the reason
- Working out your deadlines
Usually under a minute. Keep this page open.