Okay, the first thing I would do is exhaust every avenue by which to contact the payee. If you reach the payee, then you ask for an accounting of your funds.
If you are unable to contact the payee or if there is fraud, then you need a civil attorney to help you sort this out. If you cannot afford one, then I recommend that you contact your local Legal Aid office or other low income legal services provider. If you cannot find one for your area, then try reaching out to your state bar association to help you track down the money.
Best of luck.
I agree with my colleague. I would also like to add that the Social Security office can make the payee give them an accounting. If you do not hear from your payee, I would try the Social Security office again.
You need to get an accounting from your payee and you need to make an application for a new payee.
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