 In 2022, at Stephen and Becky Sword's home in Chicago, a letter arrived from the Social Security Administration. When Becky Sword read it, she was stunned to discover that she and her husband owed Social Security $51,887 and were expected to repay it within 30 days. That letter changed your life? Oh, yeah. Are you scared? He's thinking we're going to lose our house. You know, what are we going to do? I mean, we're very scared.