Phantious Services LLC dba Overage Surplus Recovery
Meet Overage Surplus Recovery
Experts in Foreclosure Surplus Fund Recovery and Reclaiming Homeowners’ Lost Funds with Expert Foreclosure Surplus Fund Recovery
About Brenda Carter
Helping Homeowners, Heirs, and Families Recover Surplus Funds After Foreclosure
Hi, I’m Brenda Carter, founder of Overage Surplus Recovery, an asset recovery company dedicated to helping homeowners, heirs, beneficiaries, and families recover money that may be owed to them after a tax deed sale, mortgage foreclosure, sheriff sale, or other property auction.
Many former homeowners do not realize that when a property is sold for more than the amount owed, the remaining balance may create surplus funds, excess proceeds, tax sale overages, or foreclosure overages. These funds may legally belong to the former property owner, estate, lawful heirs, or eligible beneficiaries. My role is to help identify, verify, and guide clients through the recovery process with professionalism, compassion, and clear communication.
My journey began with a deep understanding of the financial challenges many families face, especially in underserved communities where people are often unaware of their rights after foreclosure. Through Overage Surplus Recovery, I am committed to helping individuals reclaim what rightfully belongs to them while reducing confusion, stress, and uncertainty.
As a former Federal Mortgage Loan Officer, Registered Heir Finder in multiple states, Licensed Private Investigator, Financial Literacy Coach, and Asset Recovery Specialist, I bring a unique combination of mortgage industry experience, investigative research, public records analysis, heir identification, and financial education to the surplus funds recovery process.
I work with homeowners, heirs, beneficiaries, and families to review foreclosure sale records, locate potential overages, verify ownership or heirship connections, and connect the proper parties with the information needed to pursue a claim. Whether the funds involve a tax deed overage, mortgage foreclosure surplus, HOA foreclosure surplus, probate-related surplus, or unclaimed property matter, my goal is to provide personalized support from start to finish.
My mission is simple: to help people recover available funds, protect their rights, and move forward with greater financial confidence. At Overage Surplus Recovery, we believe your loss is not always final. If surplus funds are available after the sale of your property or a loved one’s property, you may still have an opportunity to recover what is rightfully yours.
About Me
Hi, I’m Brenda Carter, as the founder of Overage Surplus Recovery, I specialize in helping individuals reclaim excess proceeds following tax and mortgage foreclosures. My journey in this field began with a deep understanding of the challenges faced by homeowners, particularly within minority communities. Driven by a personal history of overcoming financial hardships as a single mother and a first-time homeowner at age 46, I leveraged my experiences to provide comprehensive financial recovery services. My background as a Federal Mortgage Loan Officer and a Financial Literacy Coach enriches my ability to offer tailored solutions that not only address immediate financial relief but also promote long-term financial literacy and stability. Leading with empathy and a commitment to community service, I actively contribute to various non-profit initiatives, underscoring my dedication to empowering others to regain financial independence and security.
Our Company
Overage Surplus Recovery
Overage Surplus Recovery: Your Trusted Partner in Claiming What’s Yours. Specializing in surplus fund recovery across the United States, we’re dedicated to guiding you through the complex process of claiming overdue funds without any upfront costs.
- Efficient
- Experienced in the Field
- Trust Worthy
- 100% Satisfaction
Our Mission
At Overage Surplus Recovery, our mission is clear: to forge lasting relationships with our clients, ensure transparency throughout the recovery process, and secure your rightfully owed funds with no upfront fees. Success for us is measured by the funds we recover for you.
Ready to explore your foreclosure surplus fund possibilities?
Contact Overage Surplus Recovery today for a no-obligation consultation. Let us help you reclaim what’s yours with no upfront fees.
Our Expertise
Leveraging in-depth knowledge of state laws and a nationwide reach, Overage Surplus Recovery expertly navigates government agencies to reclaim your funds. We celebrate every victory, big or small, by delivering checks to clients for funds they were previously unaware of.
Meet Our Attorney
Whitman, LLC is a Pennsylvania law firm focused on business, employment, and litigation services.
Mr. William Whitman
Mr. William Whitman help business owners, managers, and individuals solve their business and legal problems so they can get back to doing what matters most to them.