<prompt> Human: I was laid off last October and apparently my previous employer paid me a few hundred each month in DecJanFeb without me noticing. Now I got a letter saying I owe them 2500 and have 20 days to pay. Can they actually collect this? Can I set up a low payment plan instead?  <response>: If they overpaid you then yes, you owe them the money. You can probably set up a reasonable payment plan. What do you mean by low? Something like 50month isnt reasonable. 