Help with information and forms, not legal advice

You don't need a lawyer
to understand your rights.

Illustrative: a $9,400 SSA overpayment, decoded in 60 seconds. Waiver path found, Form SSA-632 drafted, 24 days still on the clock.
example outcome, not a real client

Official notices hide remedies most people never find in time. Waive reads your letter, finds your deadline, and shows you the way out, in under 60 seconds.

Got an SSA overpayment noticeServed a debt lawsuit

Try a sample notice How it works

60s
avg. read time: 5
jurisdictions, more to come: 100%
answers with a source: 0
guesses made

Decoded notice

8days

SSA Overpayment Notice

Social Security Administration

Claimed: $1,240.00

Remedy found: Waiver

Fault not required, SSA error likely

Presumption fires

Overpayment occurred while SSA had all the facts, shifts burden back

SSA

SSA-632 draft ready

Copy to clipboard · 3-section filing

Deadlines computed by tested code · sources cited

The problem

Real people. Real letters.
Real consequences for not knowing.

CASE 01

I got a letter saying I owe $3,200 to Social Security. I panicked and didn't respond. They garnished my benefits six weeks later.

Lost by silence

SSA overpayment · waiver was available · 60-day window missed

CASE 02

I was served a debt claim for a card I hadn't used in years. I didn't know I could challenge the limitation period. Default judgment entered.

Lost by silence

Debt claim · limitations defense available · no response filed

CASE 03

Waive told me there was a waiver available and drafted the form. I filed it the same day. The overpayment was waived in full.

Escape hatch found

SSA overpayment · SSA-632 filed · waived in full

The law gave you a way out. Most people never find it.

Waive exists for the moment you get that letter and don't know what to do next.

How it works

Three steps.
From confused to confident.

Under 60 seconds. No legal knowledge required.

01
Upload your letter
Take a photo or upload a PDF of the notice you received. It's read by a local AI model, never sent to a paid third-party cloud service.
PDF · Photo · Any jurisdiction
02
We find your deadline
Waive calculates exactly how many days you have left, accounting for weekends, holidays, and your jurisdiction's rules. No guessing.
Always calculated by code
03
You get a clear path forward
We show you what options you have, what to do next, and give you a ready-to-file draft if one applies. Plain English, every time.
Remedy · Draft · Citations

What makes it different

Built for the moment,
when the stakes are real.

§ 1

AI reads. Code decides.

Your deadline and your options are always calculated by tested code, never guessed by AI. The AI only reads your letter and explains the result in plain English.

No AI branches in any legal outcome

§ 2

Every deadline is verified.

We test every deadline formula against real statutory calendars, including holidays and weekends. If the code says you have 8 days, you have 8 days.

70+ tests, 0 mocked deadlines

§ 3

Every claim has a source.

Nothing is made up. Every remedy and deadline we show you traces back to a real statute, regulation, or court rule, and we show you the source so you can verify it yourself.

100% cited, no fabricated statutes

§ 4

Built to grow with you.

Waive already covers SSA overpayments and debt lawsuits across 4 jurisdictions. New notice types can be added in hours, not months. Evictions, CRA notices, EI denials are next.

4 jurisdictions, more coming

Coverage

Two injustices, five jurisdictions,
one engine.

Each one below is a verified config profile, the court, the form, the deadline, the limitation period, and the citations. The engine never changes. These cards are rendered straight from the same data the tool runs on.

SSA overpayment