What to do if you owe the VA money

The VA can create a debt if it paid you too much, or if you have unpaid copays. You have options, and acting early helps.

What you may need

Step 1: Read the letter closely
It explains why you owe and lists deadlines. Benefit debts and health care copay debts are handled by different offices.
Step 2: Ask for a payment plan
You can ask to pay a little each month. This can stop the VA from taking your full payment.
Step 3: Ask for a waiver if paying would hurt you
A waiver asks the VA to forgive the debt. You must show that paying would cause hardship. There are time limits, so do not wait.
Step 4: Dispute it if you think it is wrong
You can say you do not believe you owe the money. A free VSO can help you write this.

Do not ignore a VA debt letter. The VA may take money from future payments or tax refunds if you do not respond.

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