Overage Surplus Funds Team
Reclaim Your Rights, Restore Your Future.
We help individuals navigate the complex world of tax and mortgage foreclosures by reclaiming surplus funds, improving their credit, and providing essential financial education to transform their financial distress into long-term stability.
Overage Surplus Funds Team
Reclaim Your Rights, Restore Your Future.
We help individuals navigate the complex world of tax and mortgage foreclosures by reclaiming surplus funds, improving their credit, and providing essential financial education to transform their financial distress into long-term stability.
Overage Surplus Funds Team
Reclaim Your Rights, Restore Your Future.
We help individuals navigate the complex world of tax and mortgage foreclosures by reclaiming surplus funds, improving their credit, and providing essential financial education to transform their financial distress into long-term stability.
What Foreclosure Surplus Funds?
Unclaimed Money You Might Be Entitled To
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. These funds could be rightfully yours, waiting to be claimed.
How Surplus Funds Occur
When Auctions Exceed Expectations
During a foreclosure auction, properties sometimes sell for more than the outstanding debt. This excess becomes surplus funds, creating an opportunity for former homeowners to reclaim what’s rightfully theirs.
Services We Provide
Overage Surplus Recovery offers comprehensive services designed to assist clients in reclaiming surplus funds from tax and mortgage foreclosures, while also providing crucial emotional and mental support to those who have lost their homes. Here’s an expanded overview of our services, emphasizing our holistic approach to both financial recovery and emotional well-being:
Surplus Recovery Assistance
Credit Restoration Services
Educational Workshops
Emotional and Mental Counseling
Join us now!
and let’s bridge the wealth gap together
With Overage Surplus Recovery, reclaiming your rights and restoring your future isn’t just a possibility—it’s your right, and we’re here to make it happen. We are the solution, not a dollar sign.
About Us
We’re not just about recovering funds; we’re about restoring hope and rebuilding futures. Our team provides comprehensive support, from financial literacy and credit improvement to mental and emotional counseling. We equip our clients to not only regain homeownership but to sustain it with confidence.
Experienced Professionals
will help you reclaim what's yours with no upfront fees.
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.
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.
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.
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.
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
Please review these frequently asked questions to see if they address your concerns.
Overage Surplus Recovery is dedicated to identifying and reclaiming surplus funds for individuals resulting from foreclosure sales. Our mission is to ensure that these funds rightfully return to their owners or heirs by employing thorough research and recovery processes.
Surplus funds originate from property auctions where the sale amount exceeds the debt owed to creditors and lienholders. We advocate for returning this excess to the former property owner or their beneficiaries. Unclaimed funds within a state-determined period risk being permanently absorbed by governmental agencies.
Our operations span nationwide, conducting audits on government entities to locate overage funds owed to individuals.
Utilizing advanced research techniques, skip tracing, and online investigations, we identify the rightful recipients of the surplus funds.
To maintain privacy and security, the specifics of the claim, including its value and location, are disclosed only after a contingency fee agreement is established with our clients.
Government bodies holding these funds do not make them easily searchable online, and our discovered funds differ from those listed on state unclaimed property websites. Without expert assistance, the probability of independently locating these funds is minimal.
Our firm operates on a no upfront fee basis, covering all expenses related to the claim filing and recovery process. Remuneration is solely obtained from a portion of the successfully recovered funds, ensuring the majority share is allocated to our clients.
The duration for fund recovery varies by agency and claim type, ranging from as short as 10 days to as long as 90 days post-filing.
To begin, contact us via phone or email. Our team will provide a comprehensive consultation, followed by the dispatch of necessary documentation for your signature. Upon receipt of the completed paperwork, we will promptly assemble your claim package for filing and keep you informed throughout the recovery process until the funds are securely in your possession.
Send us a message
Tell us how we can help you!
Overage Surplus Funds Team
Reclaim Your Rights, Restore Your Future.
We help individuals navigate the complex world of tax and mortgage foreclosures by reclaiming surplus funds, improving their credit, and providing essential financial education to transform their financial distress into long-term stability.
Overage Surplus Funds Team
Reclaim Your Rights, Restore Your Future.
We help individuals navigate the complex world of tax and mortgage foreclosures by reclaiming surplus funds, improving their credit, and providing essential financial education to transform their financial distress into long-term stability.