What should I do if Social Security says I was overpaid? Write a letter to the Social Security Administration.Tell them how much you can afford to pay each month. I am glad to read that you have filed for a waiver of overpayment. You should also have filed the form request for reconsideration. To appeal, fill out and file Form SSA-561-U2 with Social Security. On the form, explain why you disagree with the waiver denial. Mail a letter or complete and send in an Information. Request Form (FR-9).