Under Florida law, if your property sold at auction for more than what was owed, the extra money belongs to you. We recover it — with zero upfront cost and zero risk.
We'll verify if you have money waiting — within 24 hours.
When a property is sold at a foreclosure auction in Florida, it sometimes sells for more than the amount owed on the mortgage and court costs. That extra money is called surplus funds — and under Florida Statute 45.032, it legally belongs to the former homeowner.
Many people who go through foreclosure have no idea this money exists. The court doesn't send you a check automatically. You have to file a claim — and if you don't act within the legal timeframe, those funds can be transferred to the State of Florida.
Surplus Claim Advocates handles the entire recovery process so you don't have to navigate the legal system alone.
⚡ The average surplus recovery for our Miami-Dade and Broward clients is between $15,000 and $65,000.
A simple, transparent process — we handle everything from research to disbursement.
Submit your info. We research court records, the certificate of disbursements, and verify if surplus funds exist for your property.
Within 24 hoursIf funds exist, we send a simple recovery agreement. You sign — we go to work. No money out of your pocket at any point.
Same dayWe prepare all court documents, file the motion with the Clerk, handle subordinate lienholder disputes, and attend any hearings.
1–4 weeksOnce the court orders disbursement, the Clerk sends the funds. We deduct our fee and send you the rest within 10 business days.
30–90 days totalUnder Florida law, multiple parties may be eligible to recover surplus funds from a foreclosure or tax deed sale.
If you were the owner of record on the date the lis pendens was filed, you have first priority to claim surplus funds — regardless of your current financial situation or bankruptcy status.
If the former homeowner has passed away, legal heirs, estate representatives, and successors may claim the surplus. We handle probate-related claims and can guide you through proving eligibility.
Surplus funds also arise from tax deed sales — when a property is auctioned for unpaid property taxes and sells for more than the tax debt. Former owners of tax deed properties are eligible.
In a space full of questionable mailers and aggressive solicitors, we built our business on trust, transparency, and results.
We work purely on contingency. If we don't recover your surplus funds, you owe us nothing — not a single dollar.
We're based in South Florida and personally familiar with the Miami-Dade and Broward Clerk of Court systems. Not a call center in another state.
We verify your eligibility within 24 hours and file claims immediately. Most clients see their funds within 30–90 days.
Our team speaks English, Spanish, and Haitian Creole — because your language shouldn't be a barrier to getting your money.
We explain every step, every fee, and every document. You'll never be surprised. Our contract is plain-language and FL-compliant.
Unlike some recovery companies, we never ask you to assign your ownership of the surplus. Your rights stay yours throughout the process.
These are former homeowners who didn't know they had money waiting — until we found it.
"I lost my condo in Hialeah and thought everything was gone. Surplus Claim Advocates contacted me, explained the whole process, and within 60 days I had a check for $38,200. I couldn't believe it."
"My mother passed away and her home was foreclosed. I had no idea there were surplus funds. The team handled the probate complexities and recovered over $52K for our family. Grateful beyond words."
"I got all kinds of suspicious letters after my foreclosure. Surplus Claim Advocates was the only company that was transparent about fees and the process. Professional from start to finish."
Under Florida law, unclaimed surplus funds are transferred to the State after one year. Once that happens, the recovery process becomes significantly harder and slower. Don't wait.
Check My Eligibility Now →Everything you need to know about surplus funds recovery in Florida.
If your home was sold at foreclosure or tax deed auction in Florida, there may be surplus funds waiting for you right now. Find out in 24 hours — it's free.
Check My Eligibility — It's Free →Or call us: (305) 356-4008 · Hablamos Español · Nou Pale Kreyòl