Practical guides, plain-language explanations, and straight answers about Florida foreclosure surplus funds, the legal process, and what to watch out for.
A plain-language explanation of how surplus funds are created at a foreclosure auction, what Florida Statute 45.032 says about your rights, and why most people never know this money exists.
Read more →A step-by-step walkthrough of the surplus funds claim process specific to Miami-Dade Circuit Civil Court, including what documents you need, where to file, and what the timeline looks like.
Read more →The full text of FL 45.032 can be dense. This article breaks down what the statute actually says about who can claim surplus funds, when the deadline is, and what rights you have in the process.
Read more →Foreclosure surplus funds are one of those things that most Floridians have never heard of, even though state law has guaranteed the right to claim them for decades. The information gap is real and it's expensive.
We write these guides because we want former homeowners to know what they're legally entitled to before predatory companies use that same ignorance to sign them into bad deals. The more people understand the basics, the better decisions they make.
These articles are not legal advice and are not a substitute for consulting a licensed Florida attorney. They are intended to help you understand the landscape so you can ask better questions and make more informed choices.
If you have a specific situation and want a straight answer, contact us directly. We'll tell you what we find in your case and what your options are.
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