Overage Surplus Funds Team
Unlock Your Excess Proceeds with Overage Surplus Recovery
Leaders in Foreclosure Surplus Funds Assistance.
About Me
I'm Brenda Carter
Welcome! I’m Brenda Carter, President and CEO of Overage Surplus Recovery, with over 20 years in the accounting field. My expertise lies in financial literacy, specializing in credit repair and asset recovery, alongside my role as a Federal Mortgage Loan Officer and Title Agent across the US. My mission is driven by my deep faith and commitment to impact my community positively, aiming to empower through financial education and support. While you go through this transition, my job is to assist individuals in reclaiming their rightful funds held by the county, state, and treasury departments.
Why Choose Us
Choosing Overage Surplus Recovery means partnering with experienced professionals dedicated to maximizing your surplus fund claims. Our success stories reflect our commitment to personalized, ethical service in reclaiming what’s rightfully yours.
Experienced Professionals
will help you reclaim what's yours with no upfront fees.
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.
What Foreclosure Surplus Funds?
Surplus funds, also referred to as overage or excess funds, are the funds remaining after the tax deed or mortgage is paid through the final judgment of a foreclosure auction by the county.
What Happens After a Foreclosure?
In the event of a Tax Deed or Mortgage foreclosure, the county holds a foreclosure auction on your property due to unpaid taxes or mortgage. The opening bid at this auction is for taxes or mortgage owed.
The former homeowner is unaware that these properties sell for an amount higher than the opening bid, therein creating remaining profit due to the previous owner.
The county will send out surplus notification letters at the last known recorded address of the former homeowner, subsequently it’s the home they foreclosed on so they are actually never informed.
What Are Unclaimed State Funds?
Unclaimed state funds are forgotten money and securities due to individuals due to dormant accounts in financial institutions, insurance and utility companies, securities, and trust holdings. These items are uncashed checks, money orders insurance policies, stocks, bonds, mutual funds, trust funds, royalties, and escrow accounts.
Our Services
Our comprehensive services range from initial surplus fund evaluation to full legal support. At Overage Surplus Recovery, we simplify the process, ensuring you understand your rights and the steps to claim your funds.
State Overage Refunds
Recover unclaimed overages from state-held funds with precision and expertise.
Real Estate Foreclosure Refunds
Specializing in reclaiming surplus funds from real estate foreclosures for rightful owners.
Bankruptcy Overage Refunds
Navigate bankruptcy claims to secure overages owed to you with professional guidance.
Tax Foreclosures Refunds
Expert assistance in retrieving your entitled refunds from tax foreclosure sales.
How It Works
Our Process
The journey to reclaiming your foreclosure surplus funds is straightforward with Overage Surplus Recovery. From the initial consultation to the final claim, we’re with you every step of the way. Discover our step-by-step process tailored to Florida’s unique legal landscape.
The Audit
Routine audits are made on government agencies across the United States and great efforts are expended to locate the rightful owner(s).
Call Us
We will answer any questions you may have, then begin the process to find any money that may be available for you.
Paperwork
Once you have agreed to let us work your claim, we will set up a time for you to sign and notarize several pages of paperwork.
Return Paperwork
Return the paperwork back to us via mail or email. Submit all the necessary paperwork and we cover all the upfront costs on your behalf
Waiting Time!
You sit back and let us do the work. We will contact you as soon as a check is ready and on it’s way! Claims are usually paid out within 3-4 months.
100% Risk Free
We work on a contingency basis and are only paid when we successfully recover the funds for you! Totally Risk Free For You
BBB Accredited
BBB Accreditation signifies that any business that meets the standards is "committed to make a good faith effort to resolve any consumer complaints."d.
Frequently Asked Questions
Overage Refund Recovery is an organization that specializes in finding and recovering undiscovered assets. Some of the sources of money that we locate are from Tax and Mortgage Foreclosure auctions. We research the information and then contact the rightful owners to help them get their Funds back for themselves!
For example, in the case of real estate that was owned, Properties are sold either at foreclosure or tax sale auction. Many times the amount owed to lien holder or creditors gets overpaid to the government and they take it if no one claims it. In cases of Bankruptcy, an old discharged bankruptcy can sometimes yield funds. There are many more sources. We would be more than happy to explain where your funds were generated from.
We know how much the claim is but need your approval to pinpoint the exact location of those funds within the government agency. Once you sign, we will complete the drill down process to identify the unclaimed fund account and immediately file to get it released on your behalf.
We work on a contingency basis and are only paid a minor percentage when and if we successfully recover the funds for you. Once you sign our contingency fee agreement, we’ll cover all the costs of retrieving those funds on your behalf including but not limited to Attorney’s fees, filing fees, court costs etc. We do this every day and NEVER charge you a penny out of pocket to get you your money.
Government agencies don’t make the process of finding and claiming those funds easy. It requires a lot of paperwork, legal motions and follow-up. You could hire a lawyer to help but they typically cost more than the claim itself and you have to pay them upfront to get started. With us, you pay nothing up front and we know how to keep costs low. You need an experienced professional that knows the process inside and out to maximize your chance of getting that money.
Every Government agency, Bank or Private organization handles the claims process differently. Depending on the local rules of law and the type of claim it is typically anywhere from 60 -120 days on average from the filing date. Some cases may take even more time, however we have seen many cases get paid out quicker.
Contact us by phone or email with your situation and one of our helpful and friendly associates will immediately help you with your claim. Once you sign — we get to work! We will keep you informed throughout the process, from submission, to follow-up to the official release of funds. Transparency and trust is how we operate.
Our Happy Clients!
Martin Smith
Shelly Barns
