Told I owe money back on my benefits - what worked for you?

I received a letter saying I was overpaid about $450 on my claim. I am in Memphis, in case local advice matters. I cannot afford to repay it all at once. Has anyone disputed one of these?

Keep everything in writing and save the confirmation numbers. It saved me later.

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