Write a letter to the Social Security Administration. Tell them how much you can afford to pay each month.Repay your Social Security Overpayment Online. If we can't waive collection, we may use this form to decide how you should repay the money. Please answer the questions on this form as completely as you can. To appeal, fill out and file Form SSA-561-U2 with Social Security. On the form, explain why you disagree with the waiver denial. The first step is to fill out the Overpayment Recovery Request Form online. Appeal the Overpayment. The first part of the appeal is to forget about the 60 day window.