<prompt> Human: Hello Reddit as the title say my mother has put me in a financial bind .Im disabled have been my whole life , so recently I decided to take a trip down to the local social security office being that Im not able to work a physically demanding job. However after speaking with one of the representatives and explained to me I had an overpayment of well over 13k but I had never been on it before.. until I was told I had been on it my whole life. I tried explaining that I wasnt even old enough to manage it considering id been a child and all. However they stated that Im equally responsible for this debt. Another situation Im currently having is there is a credit card also taken out in my name without my consent let alone my knowledge I had seen this only after reeling through my credit report and noticing a Walmart card. I remembered seeing her with one but didnt realize this those years ago. It has since been charged off as a loss So Id like to know how can I fix any and all of this at all Thank you ahead of time  <response>: If you alleged that you are disabled, Social Security is bound by law to take a claim from you whether you have a past overpayment or not. Also, you have a right by law to file an appeal of the overypayment and to file for a waiver of the overpayment. These are 2 separate processes and you are eligible to apply for both. And to get decisions in writing from Social Security. Did the Social Security people not explain this to you? If not, go back and demand to speak with a supervisor. 