We previously notified you that you were overpaid. The amount of your overpayment
            is now $  (1)  .
         
          
         How To Pay Us Back 
         3100A
         or
         3104B
         or
         3100B
         You or your representative have the right to request a determination concerning the
            need to recover the overpayment. This is called waiver. You may request waiver at
            any time. A request for waiver will be approved if both of the following are true:
         
         
            - 
               
                  1. 
                  
                     The overpayment was not your fault in any way, and
                     
                   
                
             
            - 
               
                  2. 
                  
                     You could not meet your necessary living expenses if we recovered the overpayment,
                        or recovery would be unfair for some other reason.
                     
                     
                   
                
             
         
         If you request waiver, we may need a statement of your assets and monthly income and
            expenses.
         
         We will notify you in writing of our determination.
         If you request waiver within 30 days of the date of this notice, we will not take
            any action to recover the overpayment unless waiver is denied after you have had opportunity
            for a personal conference.
         
         If you request waiver after 30 days, the action to recover the overpayment as indicated
            above will be stopped and any payments withheld on or after the date of your request
            will be paid back to you. We will not resume any recovery action unless you are denied
            waiver after you have had opportunity for a personal conference.
         
         If you request waiver and after reviewing your request we cannot approve it, we will
            notify you in writing of our reasons.1 A personal conference with a Social Security employee will then be scheduled for
            you so that you can explain why you do not believe your waiver request should be denied.
            More information about the personal conference is given in the notice if we cannot
            waive recovery of your overpayment.
         
         If you disagree with the waiver decision you have other appeal rights. These appeal
            rights will also be explained in detail in the waiver determination notice.
         
         If you request waiver, you will be asked when you contact a Social Security office
            to complete Form SSA-632-BK (Overpayment Recovery Questionnaire).
         
          
         
            
               
                  
                  
               
               
                  
                  
                     
                     | 3114A | 
                     
                     Even if you do not want to request waiver, call us at 1-800-772-1213 if you cannot
                        afford the planned withholding of your payment. Unless we hear from you within 30
                        days, we will withhold your payment as shown above.
                      | 
                     
                  
                  
                     
                     | Or | 
                     
                  
                  
                     
                     | 3114B | 
                     
                     Even if you do not want to request waiver, please call, write or visit  (1)  if you cannot afford the planned withholding of your payment. Please take this letter
                        with you if you do visit an office. Unless we hear from you within 30 days, we will
                        withhold your payment as shown above.
                      | 
                     
                  
               
            
          
          
         If You Have Any Questions 
         3901C
          
         Enclosure: 
         Refund envelope2
          
         1 If the person lives outside the U.S., omit the next 2 sentences. 
         2 If the overpayment is less than the monthly payment, omit refund envelope and reference
               to enclosure.