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Is this a credit union or co-op or community bank?
Whatever the case, if you don't bank there, there's nothing they can attach.
$ 700 debt.... Kinda low to interest debt collection.
Plus it's not your debt. The SS $ was moms. It's a debt of mom so debt of her estate.
I'd send them a certified letter stating that and that after 4 years (do exactly to moms DOD) any debt against her estate should have been done within a year of her death so family could responded to in timely manner.
If you did probate, you cite the probate court #. Claims by creditors would have to been submitted to court or executor within a period of time set by your state law. Like for TX, done within6 mos of Notice to Creditors printed in newspaper.
Hm. So essentially they credited the payment to your account, reimbursed Social Security, and then failed to debit your account...
I'm quite surprised they were able to do that. And $700 is a fat lump of money to find all at once. Can you make an appointment to go and see them and come to some kind of compromise arrangement? It is their fault, and at the very least they ought not to expect you to refund them just-like-that, all-in-one-go.
Ask for copies of all the relevant statements, clarify exactly what happened, and then - letting them do the talking - ask what they plan to contribute towards correcting *their* error.
But if it's all kosher, and you can check that there was an overpayment, and your SS office confirms that there isn't a cut-off point for correcting errors, you might have to pay up. Is it a lot of money?