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Your social security lawyer will probably suggest this course if the overpayment was due to a mistake made by the SSA. Lastly, if you think that the overpayment was your mistake, you will generally be required to repay the overpayment. A social security lawyer will tell you that your best option is to speak to the SSA about scheduling payments. This will allow you to repay the money as you are able. Aren't sure whether you should request a reconsideration, waiver, or payment schedule? Speak to a social security lawyer.