Four steps. No upfront costs. We handle the research, filings, and court process while you focus on what matters to you.
Most people assume recovering surplus funds is complicated and slow. The reality is that once we know your case, the process is fairly straightforward. Here's what working with us actually looks like.
You fill out our free form with your name, email, phone number, county of the property, and the foreclosed property address. That's it. We don't ask for financial account numbers or sensitive documents at this stage.
We then pull the court records for your case and check the certificate of disbursements to determine whether surplus funds exist and roughly how much they total. This happens within 24 hours, and there's no charge for it.
If surplus funds exist, we email you a simple agreement that spells out exactly what we do, the contingency fee percentage, and the payment terms. No legalese, no buried clauses, no pressure to sign on the spot.
You read it, ask us any questions you have, and decide whether to move forward. If you decide not to, that's fine. The eligibility check was free and commits you to nothing.
Once you sign, we go to work immediately. We prepare and file the motion with the Clerk of Court, obtain any missing case documents directly from the court, handle any subordinate lienholder notifications or disputes, and attend any required hearings on your behalf.
We keep you informed at every major step. If something changes or a complication arises, you hear from us first, not last.
Once the court grants the motion and orders disbursement, the Clerk sends the surplus funds. We deduct our contingency fee and send you the remainder, typically within 10 business days of the court order.
You receive the funds by check, direct to your bank account if you prefer. Done.
The surplus recovery process involves more steps than most people expect. We take care of all of them.
We pull the foreclosure or tax deed case file directly from the Clerk of Court, identify the certificate of disbursements, and confirm the surplus amount.
We draft the motion, notice of claim, and any supporting documents required by the court and the specific county where your case was filed.
We file the claim with the appropriate Clerk of Court office, pay all filing fees on your behalf, and track the case through the docket.
If a subordinate lienholder (second mortgage holder, HOA, mechanic's lien holder) contests the claim, we handle the legal response and court proceedings on your behalf.
If the former homeowner has passed away, we handle the additional documentation required to establish heir standing and file in the correct name.
We attend any hearings required by the court in connection with your surplus claim. You don't need to show up unless you want to.
No. 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 court orders disbursement to you, and the funds come directly to you. Our fee is deducted from the disbursement.
No. We work entirely on contingency. If we don't recover your surplus funds, you pay us nothing. All court filing fees and case research costs are advanced by us and never passed on to you.
We handle it. Subordinate lienholder disputes are a routine part of surplus recovery. We file the appropriate responses, submit supporting documentation, and attend hearings as needed. This is included in our standard service, not billed as extra.
We research the case thoroughly before we take it on. We don't file claims where the legal standing is questionable or where there are obvious obstacles we can't overcome. If we say we can help you, we mean it.
Note: Under Florida Statute 45.032(3)(a), you have the right to file a surplus funds claim directly with the Clerk of Court without legal representation. Surplus Claim Advocates provides research, documentation, and filing assistance services. We are not a law firm. Recovery timelines and outcomes vary by case. Past results do not guarantee future outcomes.
The eligibility check takes about two minutes. Within 24 hours, you'll know whether surplus funds exist for your property.
Start the Free Eligibility Check →Questions first? (305) 555-0199 · Contact us