Overpayment letter from the unemployment office - 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. I cannot afford to repay it all at once. Has anyone disputed one of these?

Read the letter for the appeal deadline and act on it, even if you think you will end up repaying. Then ask about a payment plan.