When James Mizelle retired in 2001, he started drawing a pension from his 27-year career with AT&T and other phone companies.
Fifteen years later, he got a letter saying his benefits were miscalculated and demanding he repay $32,116.05. Mr. Mizelle, living in Round Hill, Va., replied that he couldn’t repay. Within weeks, he heard from a collection agency.
“That money had been spent,” says Mr. Mizelle, 70, who had incurred medica bills in a battle with prostate cancer. “I could not pay it back.”
The former programmer and human-resources worker is among potentially hundreds of ex-employees whom AT&T Inc. has dunned

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