I was sent a letter for debts owed without any accounting as to how I was overpaid. I reported all my income that year and my partners too. If I took time off to appeal it I would lose hundreds in wages so I agreed to a payment plan. They took one payment, then when my tax return was filed they took the balance, no request, no notice that the debt was resolved, nothing. I may have never owed them at all but honestly I knew I would lose either way.
Frustrated, angry, powerless and feeling like the whole process was unfair and opaque.