Got an overpayment notice, what now? - what worked for you?

The agency says I reported earnings incorrectly, but I think I followed the instructions. I have read a lot of threads here and could not find my exact situation. The letter mentions an appeal window and a repayment plan. Who should I talk to first?

If you are unsure, free legal aid in your area may help for this kind of notice.

I asked for a waiver and a plan in the same call, and they gave me both forms. It was less scary than I expected.