1. Explain how overpaid unemployment benefits were spent. Specify any large expenditures that occurred because you received these benefits (i.e.If the DUA says that you were overpaid, you can challenge their decision. You can also challenge the amount of the overpayment. A waiver will be granted if you can show that the recovery of payments "would defeat the purpose of benefits . . . Filing a waiver could stop the DUA from collecting overpayment. You would need to file the waiver request within 15 days of receiving the Notice of Overpayment. No overpayment shall be recovered when, in the judgment of the Commissioner or his authorized representative, the claimant is without fault on his or her part.