I had my Social Security check deposited directly to Sovereign Bank a bank in Jersey Shore on Feb. 1. On Feb. 15, I received a letter from the Social Security Administration, Mid Atlantic Program Service Center, in Philadelphia. This letter read as such: "Based on the information we have, we cannot pay benefits beginning February 2013. We have determined that you need help managing your payments. We will be selecting a qualified person to receive your payments. We call this person a representative payee. It will be your payee's duty to manage your social security payments for you and use them for your needs."