United States Department of Veterans Affairs
United States Department of Veterans Affairs

Debt Management Center

Frequently Asked Questions

How do I go about getting my Certificate of Eligibility? Is it possible to get a listing of VA properties for sale in my area?

What steps do I need to take to request a waiver of my debt? Is there a specific form I need to use to do so?

Is it possible to make payments on my debt, or set up partial withholding from my benefits in order to repay this debt?

I don’t understand how I was overpaid. Can you send me an audit of my account?

What gives you the authority to take my Social Security benefits?

Why are you taking my Social Security benefits when you could be offsetting my monthly VA benefits?

Can I have the offset from my Social Security benefits reduced?

Can I make payments instead of having my Social Security benefits offset?

Why was my account turned over to the Department of the Treasury?

How do I go about getting my Certificate of Eligibility? Is it possible to get a listing of VA properties for sale in my area?   top

The best source of information for getting a Certificate of Eligibility is the VA Eligibility Centers. VA Regional Offices can be reached toll-free at 1 800 827-1000 for general information about the home loan program. Information about VA properties for sale can be found on the Home Loan Guaranty Services website.

What steps do I need to take to request a waiver  of my debt? Is there a specific form I need to use to do so?  top

To request a waiver, you need to state, in writing, that you want to request “waiver of collection” (use those exact words) and the reasons you feel you should not be held liable for the debt. You should explain the circumstances leading to the overpayment and the steps you took to prevent the overpayment from occurring. You should also complete and return the Financial Status Report that was enclosed with your notification letter.

Is it possible to make payments on my debt, or set up partial withholding from my benefits in order to repay this debt?   top

Monthly payments or withholdings from benefits can be accepted if they will clear the debt in a reasonable timeframe. If your proposed repayment plan will take longer than a year to repay your debt, you need to complete and return the Financial Status Report, which was enclosed with your notification letter.

Submit this form along with your proposed repayment plan by mail or fax to:

U.S. Department of Veterans Affairs
Debt Management Center
P.O. Box 11930
St. Paul, MN 55111
(612) 970-5688 (fax)



We will notify you if your plan is acceptable, and when the withholding will start, or when you should begin making your payments.

I don’t understand how I was overpaid. Can you send me an audit of my account?   top

You can call our toll-free number 1 800 827-0648, and explain to the operator that you would like an audit or your overpayment. The audit will also include your repayment options.

What gives you the authority to take my Social Security benefits?  top

Authority comes from the Debt Collection Act of 1982 and the Debt Collection Improvement Act of 1996.

Why are you taking my Social Security benefits when you could be offsetting my monthly VA benefits?   top

Your account was sent to the Department of the Treasury for their offset program prior to resumption or initial payment of your monthly VA benefits. We will not stop offset of other Federal payments you receive now or in the future. We must utilize a guaranteed source of collection until the debt is paid in full. If offset of both your VA benefits and Social Security is creating a financial hardship, you may request a reduction in the total amount being withheld. To do so, complete a Financial Status Report and send it to the Debt Management Center. Make sure you complete item 24B.

Mail or fax the completed form to:

U.S. Department of Veterans Affairs
Debt Management Center
P.O. Box 11930
St. Paul, MN 55111
612-970-5688 (fax)

Can I have the offset from my Social Security benefits reduced?   top

We will review your account for possible reduction once we receive a completed Financial Status Report. You must write an amount you want VA to consider for possible offset on the Report.

Can I make payments instead of having my Social Security benefits offset?  top

The Department of the Treasury will continue to offset a portion of your Social Security payments even if you make voluntary payments directly to VA. The Government must utilize a guaranteed source of collection if one is available. However, making voluntary payments could serve to reduce the additional fees you must pay to the Treasury for their collection services.

Why was my account turned over to the Department of the Treasury?  top

Your account was turned over to the Department of the Treasury because the account was seriously delinquent and you were not responding to our requests for payment.