You don't have to take the determination at face value; you can fight it, first through the Social Security Administration's internal appeals or review process, then later, if need be, to court. You can fight it yourself or you can hire a lawyer, which is recommended, given both the amount of money at stake and the complexity of SSA appeals. However, first you should request the SSA explain and document the reason for the determination; then you should review it carefully, being honest with yourself. If you end up believing that it is correct--that you should truly overpay--you may be best off trying to work out a settlement or payment plan (which a lawyer can also help you with) rather than trying to fight a legitimate determination.