We're a Florida-based firm that helps former homeowners recover the surplus funds left behind after a foreclosure or tax deed sale. We've been doing this work because too many people never know the money exists.
Most people who go through foreclosure think the process ends when the property is sold. They don't know that Florida law (Statute 45.032) entitles them to any money left over if the auction price exceeded what was owed on the mortgage and court costs. That surplus can be tens of thousands of dollars, and the court doesn't volunteer that information.
Meanwhile, former homeowners get bombarded with letters, some from companies that charge upfront fees, demand rights assignments, or make promises they can't keep. That's not a coincidence. It's a business model.
We built Surplus Claim Advocates to do things differently. We verify your eligibility before we charge anything. We explain every step of the process before you sign anything. And we never, ever ask you to assign away your rights to the surplus funds. Those rights stay yours.
We're not a law firm, we're not a certified surplus trustee under FL Statute 45.034, and we're not a real estate brokerage. We're a specialized research and documentation service.
What that means in practice: we dig through court records to find your case, verify whether surplus funds exist, prepare the claim documents, file them with the Clerk of Court, handle any subordinate lienholder disputes, and follow the process through to disbursement.
Under Florida Statute 45.032(3)(a), you have the right to file a surplus funds claim yourself, with or without any representative. We're here if you want someone experienced to handle it for you on a contingency basis. If you want to do it yourself, more power to you.
These aren't marketing slogans. They're the actual terms you get in our agreement.
We don't charge for research, form prep, or filing. If we don't find surplus or successfully recover it, you pay nothing. That's in writing, plain language, in our agreement.
No legalese runaround. Our agreement states exactly what we do, what we charge, and when. We email you a copy before you sign, and you can ask questions before you commit.
We never ask you to assign your ownership of the surplus funds to us or to any third party. The claim is filed in your name. The funds come to you.
We tell you where your case stands. If there are complications, we explain them. If something changes, you hear from us first. No disappearing acts.
We know the Miami-Dade and Broward Clerk of Court systems personally. We're not routing your case through a call center in another state.
English and Spanish. Because your primary language shouldn't determine whether you access money that's legally yours.
Our primary focus is Miami-Dade and Broward Counties, where we have the most direct experience with the local court systems. We also handle surplus claims throughout the rest of Florida.
Direct experience with Miami-Dade Clerk of Court filings, circuit civil foreclosure dockets, and tax deed surplus procedures. We handle cases in Miami, Hialeah, Coral Gables, Homestead, and all municipalities within the county.
Familiar with Broward's court systems and foreclosure surplus processes. We work with cases in Fort Lauderdale, Hollywood, Pembroke Pines, Coral Springs, and surrounding areas.
We handle surplus claims in all Florida counties, not just South Florida. If you went through foreclosure anywhere in the state, reach out and we'll either handle it directly or point you to the right resource.
Surplus funds can arise from any foreclosure or tax deed sale in any Florida county. If your property was auctioned and you think there may be money left over, contact us regardless of location.
We operate under Florida Statute 45.032, which establishes the legal right of former homeowners to claim surplus funds from foreclosure and tax deed sales. We are not a law firm and do not provide legal advice. We are also not a certified surplus trustee as defined under FL Statute 45.034.
Under 45.032(3)(a), homeowners have the right to file claims directly with the Clerk of Court without legal representation. We believe in being upfront about this because the right to self-file is your right, not a loophole we're exploiting.
Find out in 24 hours. Our free eligibility check takes about two minutes and commits you to nothing.
Check My Eligibility, Free →Prefer to talk first? (305) 555-0199 · claims@surplusclaimadvocates.com