Overpayment letter from the unemployment office

I received a letter saying I was overpaid about $650 on my claim. I would rather hear the honest version than the polite one. I cannot afford to repay it all at once. 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.