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Commission agreements are creatures, of contract, which means that whatever your commission agreement imposes as a term or condition to earning the commission will typically be enforceable. There is nothing unlawful about a commission policy providing that a commission is not earned until a later date. So, provided you were given notice of this policy in advance of receiving the commission, it would generally be enforceable. This means that your employer could theoretically sue you to recover the commissions that were not technically "earned."
The good news is that employers in these circumstances are generally willing to negotiate because they recognize that litigation would cost them time and money. So, perhaps you can negotiate a partial repayment, or some sort of installment plan without interest. That would typically be the best approach under the circumstances you describe.
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