FolkKeeperGuides
Social Security overpayment letters, in plain English
Short, sourced answers for families: which form to send, how to count the deadlines, and what to do when SSA is taking part of the check.
How to fill out Form SSA-632, the overpayment waiver
What SSA needs to see, the papers to gather, and how to explain why it was not your fault.
7 min readSSA-561 vs SSA-632: reconsideration or waiver?
One says SSA got it wrong. The other says it was not your fault. How to choose, and when to file both.
6 min readSocial Security is withholding 50% of my check. What can I do?
Why half the check is gone since April 2025, and the four ways to stop, pause or lower it.
6 min readSocial Security overpayment after a parent died: what families need to know
The month-of-death rule, who is responsible for the debt, and what the family can still claim.
6 min readHow to read a Social Security overpayment letter
The six things to find on the notice, and how to count your deadlines from the date on it.
6 min readUpdated . General information, not legal advice. FolkKeeper is not a law firm and is not affiliated with SSA.