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How Paying Back Unemployment Can Cost More If You Do It Wrong

What You Need to Know About Unemployment "Benefits"

This summer I was in the unfortunate position of receiving unemployment. While it was nice to have the money to help with bills, later I was hit with the true price of taking it.

Because our wonderful (irony alert) government made a mistake, I now have to suffer. Not just me, but my whole family—even my brother's family, my sister's family, my mom, and my dad.

All these people are going to suffer because the government made a mistake and now wants me to repay the money. While I realize that I have no choice but to pay the sum back, I feel like I have been injured in a serious way. If I did not qualify for the money, then why the heck did they give it to me to begin with? I have been a hard-working person, with three jobs prior getting laid off of two and leaving the other due to family needs.

Every American that has ever been though hard times knows what it is like to need help from others. We are at our most vulnerable during those times. So why is our own government taking advantage of us at this time?

Every American that has ever been though hard times knows what it is like to need help from others. We are at our most vulnerable during those times. So why is our own government taking advantage of us at this time?

So when they told me that I could get $380 a week, I thought great. It was not what I had been making, but it would help pay the bills until I could start working again. I went all summer—two and a half months—with no work. Finally I got to go back to one of my previous jobs. But wait, this is when things got FUBAR-ed. Because I was only working a part-time schedule at first, I was still supposed to get my unemployment. Guess what? They recalculated my unemployment, and I got hit with the news that I supposedly owed them a vast amount of money for the whole summer: $2,400! Yes, $2,400. I could not believe it myself, so I went down to the unemployment office and waited hours to see someone who then told me to call the main office in Indianapolis because they could not help me. What a crock. So I called and was put into the wonderful calling-automated system. To my amazement, I was hung up on not once, not twice, but three times before I could actually talk to a person. That meant I spent a total of four-and-a-half hours making phone calls only to have them tell me that it would take another week while they reviewed my case.

A week later and guess what, I did not get a phone call or a letter. One month later, I received a letter telling me I had one week to pay back the money in full or be penalized. Well, the job I am at doesn't pay the kind of money to do that easily. I drive a school bus for Christ's sake. So now I HAVE TO LEAVE MY JOB AND MY FAMILY TO TAKE A NEW JOB THAT PUTS ME OUT ON THE ROAD IN DANGERS UNKNOWN just to pay that MONEY back. I would have never taken this money if I had know all the grief it was going to cause. I would have rather had my utilities shut off and lost my house, but still be with my family, than to go through all this.

For the other part of my family—my brother and his family, my sister and her family, and my mom and dad—I must say I am sorry you will not be seeing me any time soon. Not even for Thanksgiving, Christmas, or Easter. I can't even afford to send presents this year. My kids are not going to even get much for the holidays except for what little I can scrounge up and for what's absolutely necessary.

Why would the government do this to me, ruining my life in such a way? They don't care how this is affecting me and my family. They get to keep their jobs, and be with their families, and have money to buy presents for holidays.

Before all this started, back when I had three jobs, I was gone a lot as well. But I was able to come home every night and spend time with my family. I earned a decent pay for a decent day's work. It was around $580 weekly. Now I work much worse hours and can only earn $250 a week. What has this country turned into? Crap, that is what I am thinking, pure crap. Our government sucks and doesn't act on behalf of or even pretend to care about the people it affects.

I hope to make a difference some day, but only after I put this all behind me. I have a long journey to make this money up, and it's not possible with my current job. So now I have to go find a new job, possibly one that will require vast amounts of traveling, which is difficult for my family. But come next election time, I am going to run for office and fire every single one of those bastards at the unemployment office if elected, so join me in my cause.

I need political help, management, etc. I hope to hear from you soon.

I am the average person and will fight for all people to have equal and fair rights. My greatest goal is for everyone to be treated as a person.

If the government makes a mistake, then the people should not have to pay. If I make a mistake, then I should have to pay.

Let's put the scales of justice to use and start standing up for ourselves. We need to stop being the victims of a system that is obviously wrong in the way that it treats people.

Let's put the scales of justice to use and start standing up for ourselves. We need to stop being the victims of a system that is obviously wrong in the way that it treats people.

Thank you for reading this, and please let everyone know to beware of unemployment pay. It sucks to have to go through what I am going through now, and I don't want anyone else to go through it as well.

Okay, time to step this up. After nearly three-and-a-half years, I am getting people with similar stories together to file a class action lawsuit against the government. I am looking for any and all people who would like to join me in this. I need at least 100 people to initially join into a signed agreement to file a class action suit and am working to hire a law firm capable handling a class action suit of this size.

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Again, we need at least 100 names and emails to get things rolling. Please join me in standing up for what is right. Because of these truly immoral practices, unemployment benefits do not help, but instead hurt not only people, but also families and our country. It is a bad policy, and we need to stand up to it. So please join me in a cause that is worth fighting for. Don't let this broken system continue to hurt others and ruin families and lives.

I am now no longer married because the money issues stemming from unemployment payback has led to a divorce. Is that funny, or what? Someone has been robbing the system blind because those that need the money are not getting the help they truly need and deserve.

Do you qualify?

For each question, choose the best answer for you.

  1. Have you ever applied for unemployment?
    • Yes
    • No
  2. Was there an issue that denied your benifits?
    • Yes
    • NO
  3. Was your issue settled to your satisfaction?
    • Yes
    • No
  4. Did you recieve notice of overpayment. (payment demanded)
    • Yes
    • No
    • Issue resolved but you were wronged
    • Issue resolved to your satisfaction
    • You ignored this issue or issue still pending

Scoring

For each answer you selected, add up the indicated number of points for each of the possible results. Your final result is the possibility with the greatest number of points at the end.

  1. Have you ever applied for unemployment?
    • Yes
      • You are Qualified: +1
      • You are not Qualified: 0
      • Undetermined most likely you qualify: 0
    • No
      • You are Qualified: -5
      • You are not Qualified: 0
      • Undetermined most likely you qualify: 0
  2. Was there an issue that denied your benifits?
    • Yes
      • You are Qualified: +2
      • You are not Qualified: 0
      • Undetermined most likely you qualify: 0
    • NO
      • You are Qualified: -2
      • You are not Qualified: 0
      • Undetermined most likely you qualify: 0
  3. Was your issue settled to your satisfaction?
    • Yes
      • You are Qualified: -5
      • You are not Qualified: 0
      • Undetermined most likely you qualify: 0
    • No
      • You are Qualified: +3
      • You are not Qualified: 0
      • Undetermined most likely you qualify: 0
  4. Did you recieve notice of overpayment. (payment demanded)
    • Yes
      • You are Qualified: +5
      • You are not Qualified: 0
      • Undetermined most likely you qualify: 0
    • No
      • You are Qualified: -4
      • You are not Qualified: 0
      • Undetermined most likely you qualify: 0
    • Issue resolved but you were wronged
      • You are Qualified: +4
      • You are not Qualified: 0
      • Undetermined most likely you qualify: 0
    • Issue resolved to your satisfaction
      • You are Qualified: 0
      • You are not Qualified: 0
      • Undetermined most likely you qualify: 0
    • You ignored this issue or issue still pending
      • You are Qualified: +5
      • You are not Qualified: 0
      • Undetermined most likely you qualify: 0

This table shows the meaning of each possible result:

You are Qualified

If You qualify this means that you met the basic requirements to join in a class action law suit against the unemployment system

You are not Qualified

You did not meet the requirments to join class action law suit

Undetermined most likely you qualify

Not a definite but you might still qualify for class action law suit against unemployment system

Unemployment poll

This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.

Comments

Cecilj3242@gmail.com on August 08, 2020:

Please help me unemployment is taking all of my money and I have nothing to make ends meet with

Elissa on July 12, 2020:

I would like to sign it. I owr over 4000

Jenn on July 02, 2020:

Our family was hit hard as well. Through my husbands employer he would work a week off a week and sometimes only a few hours in a week and was approved unemployment. He was to pay back 10,000 we currently still owe 7,000. He was doing it how they explained it to him bu company and unemployment to find out later he was overpaid and they wanted to prosecute him but we got lucky there because he was honest told truth. He did end up getting fired from job for fraud. I always thought fraud was when you know you are committing the crime. He didnt know he wasnt doing it right and why wait so long before they tell you. i would like to join the class action. it ruined our life to.

Kelly on May 05, 2020:

I can only wish my situation was f'd up to the extent that you have experienced.when I read your story I could have swore that I had written it, word for word, with one exception...I was required to pay back $34,700 and change, which actually totalled over $50,000 by the time I washed my hands of the heartless bastards. I worked the same job for 15 years and was entitled to what I received. I wasn't fraudulent and to the best of my knowledge did everything that was asked to do or was required to do. I was overpayed and demanded to repay ever cent as well as an additional $16,000 in interest and penalties over the last seven years. My wages were garnished for seven years. My life was completely controlled as to where I could go and what I was going to eat, thanks to the meager wages I was allowed to keep. Even though I earned a fair wage I was forced to the food banks and community action and loans from friends and family to stay alive. Had I known I would be thrown into poverty by the very agency that I thought was offered to help when chips were down, pulled the carpet right out from under us and kicked us while we were down. Repeatedly! I could rant forever but who wants to hear that? I would, however, love to tell my stories over the misery and hardship my family and I were put through, because of a mistake that they made, to a jury of my peers. I definitely believe that I am deserving of not only the $16,000 I was charged in penalties and interest but also compensation for the hell myself and my friends and family were thrown into. I can honestly say that I don't know that I will be able to recover, mentally or financially, from this horribly bexhausting experience, in this lifetime. Thanks for the help.

Doug on December 14, 2019:

I hate them so much. Im going threw the same thing right now. They want about 2400 back. Always get hung up on. They never call you back.

Tracy warren on November 03, 2019:

i am stil dealing with this and i too feel wronged and i did everything they asked and went to scheduled work groups and meetings with a worker and not once was i told i was doing anything wrong and that i was reporting everything right n that all looked correct,,,after a year i was no longer claiming benefits and i later get notice i owe over 14000...WTH,, So i too will stand up and give you my name and be part of a lawsuit...that i feel i was wronged

hope9595 on October 06, 2019:

I will never file for unemployment benefits again. I am beyond sick and afraid. Like im losing sleep. So in addition to being employed part time now i am afraid of being in trouble for not understanding their beyond trickly rules. I teach part time at a local community college. They will not allow us to teach more than a maximum of nine hours per week because they do not want to give us retirement or benefits. We always go a month in between semesters with no pay or work. This happens about 4 times per year. Our union fought for us to have a right to file for unemployment during the breaks and when we have reduced course loads since we are not regular employees of the school system. So I have been overpaid by 6100 dollars. This is about half of my total claim for last year. Also I received penalties and forfeit days and entered into a repayment plan. Received two letters about right to appeal and another from investigations stating that if i dont pay it back they will garnish my wages, income tax, put it on my credit. That is if I'm lucky. I am afraid they think I did something on purpose. In NYS you are supposed to be able to receive while working part time. When I applied I was completely unemployed. Most of the year I worked a maximum of six hours per week.. Another thing is our hours worked do not necessarily get recorded for the week that we actually worked. Its a super confusing system. They take our total hours and divide them equally for a semester. So now, what the Board of Higher Ed reported to unemployment and what actually occurred do not match. Thing is I wasnt even trying to hide anything. I put the unemployment payments on my income tax return and paid taxes on it. I even reapplied for this year when I only received one class. I am going to pay 200 per month through February and then give them my entire tax return for the rest, earned income credit and all. I am a single mom of two boys. Husband is deceased. It just seems so unfair when you have wealthy people out there scamming the system and you penalize hard working people.

Kyla on September 29, 2019:

I forgot that i left a hostile temp job that i worked at for a week after completing a several months long assignment for the same temp company and this happened to me. Thankfully i only owe 200 something but it still pisses me off that they gave it to me in the first place if i didnt "deserve" it. Isnt that what the week waiting period is for? Jesus...govt do your job.

Sam on August 05, 2019:

I am suffering through this right now and that is how i found this article. I was accepted for unemployment and now after 1 month of receiving it and a total of 2 months later they are now saying i owe them over $2000 dollars!!

Marcus Foster on August 02, 2019:

I am going thru this now. I was overpaid two checks months ago for a total of $550. They are demanding all the money that I legally drew for the year plus the $550. By the time I received notice and penalties are added they said I owe over $7100. What the hell?

Ken Ryu on July 06, 2019:

When i first filed for unemployment, i was suppose to get a phone call interview from the EDD, but i never got one. I never got a payment because of this. EDD sided with the employer. I then had to file an appeal to get in front of a judge. Myself and my employer were present, and the judge sided with me. I basically got kick back for about a month and a half on a debit card. I start a new job next week and will notify the EDD so they can stop benefits. Where people get in trouble is when they get a job, no matter the pay or hours, they continue to receive benefits, and not tell the EDD. They will eventually find out and thats when you get the overpayment letter. it doesn't matter if you get a pt job 10 hours a week and it's not enough. The EDD just wants you to get a job to stop payment to you. They don't care if it supports your family or not. They are trash like that. Gotta play by the rules. Back to my story, my employer filed an appeal. I got the letter today. Says i have to do nothing unless requested for information, which would mean another hearing, another judge. I got kick back $3100 but when i start his new job, i will stop benefits

Erica Waldron on June 06, 2019:

YES...This is exactly what happen to me.

It was over 12 years ago.

I only received the benefits for a couple of months. Then I received the letter stating that I had been over paid and that my benefits where gonna stop.

The letter stated that I could appeal this, but the reason your collecting unemployment is because you DONT HAVE A JOB.

So when they start demanding payment right a way....thats a joke.

Who can do that at that time. When I found out my benefits where going to be stopped. The last thing on my mind was trying to fight this.

My top focus was making sure there was a roof over my head and food in my stomach. After that, I lost my apt and I spend the n