Hello and welcome,
If the amount you were overpaid is not in dispute, you would typically be required to repay the amount you were overpaid to the employer.
Six months is normally not an unreasonable time for the employer to identify the overpayment and the law does impose an obligation on the employee to recognize whether they are being paid properly as well.
You could wait for the employer to file suit against you seeking a judgment for the amount owed, but a judgment would negatively affect your credit rating.
Since seeking a court order can be expensive and time-consuming, you do have some leverage to negotiate a settlement and release of claims with the employer in an attempt to avoid litigation.
If you can pay a lump sum, that would typically be best to offer, or a smaller lump sum along with incremental payments for the remainder.
The employer is likely to waive interest since it was their error, but will likely demand at least 75% of the amount be repaid.
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