Spouse passed away 2012. Ins. Co. overpaid benefit. I didn't realize it was not correct amount. I understood it to be $200,000, They sent $150,000. I used the money to pay debts. Turns out to have been $100,000 for each of us. When I found out and wanted money back, don't have it. I sent back what I could and requested 'hardship waiver' as their (All State) representative suggested. They are suing any way. I am retired disabled Vet. fighting cancer with meager pension income. I can't pay it back. What should I do?