How does one become homeless? I'm sure there are a million ways. One Los Angeles resident writes movingly about his rapid descent into homelessness because of a simple Social Security overpayment. It should have been easy to resolve the overpayment. He probably would have qualified for waiver of the overpayment since he's clearly poor and the overpayment wasn't his fault but no one told him the overpayment could be waived. He thought he had a repayment schedule worked out but apparently a Social Security employee didn't do what they were supposed to be so things reverted to the default mode of seizing 100% of each month's check until the overpayment is collected.
Why is it that seizure of 100% of each month's check is the default mode for overpayments? Is that really necessary? If the claimant is confused or even a little negligent or a Social Security employee doesn't promptly do what they're supposed to do, the claimant receives no check and many become desperate immediately. Remember, overpayments are often not the claimant's fault. Even if they are the claimant's fault, the fault is usually minor. Don't conflate overpayments with fraud.