If your waiver request is denied, you will need to appeal for a reconsideration of the waiver denial. This is the next step whether you had a personal conference or not. You have 65 days from the date of the denial notice to ask for reconsideration of the waiver denial.
If the reconsideration of the wavier denial is denied, you have 65 days from the date of the denial notice to ask for a hearing in front of an Administrative Law Judge (ALJ). Asking for an ALJ hearing on your waiver request will not stop Social Security from taking some or all of your check to repay what you owe.