Your Questions, Our Answers.

When a property is sold at a foreclosure auction (either mortgage or tax foreclosure) for more money than was owed to the bank or county, the excess money is called "surplus funds" or "excess proceeds." This money legally belongs to the former homeowner, or their heirs if the owner is deceased. It's often thousands, even tens of thousands, of dollars that people don't realize they're entitled to.

Imagine your home was sold for $200,000, but you only owed $150,000. That leftover $50,000 is surplus funds. Would it surprise you to learn this money is just sitting there, waiting for you?

Many former homeowners don't receive direct notification about surplus funds from the county or bank. That's where we come in. We conduct thorough research into property records and foreclosure sales to identify potential claims. If you've lost a property to foreclosure, there's a good chance you might be owed money. The best way to find out is to book a free discovery call with us. What's the risk in discovering if you have a claim?

This is a common and understandable concern, especially given the prevalence of scams. We assure you, surplus funds are real, and your right to them is legally protected. Surplus Prosperity operates with complete transparency and integrity. We never ask for any upfront fees or personal financial information beyond what's necessary for your claim. We are paid only upon successful recovery of your funds. Our mission is to provide clarity and compassion, not confusion or false promises. We understand your skepticism; how would it feel to have genuine peace of mind?

Our service operates on a contingency basis. This means **you pay absolutely nothing out-of-pocket, ever.** We cover all research costs, filing fees, and administrative expenses. We only receive a fee if and when we successfully recover your surplus funds. If we don't recover anything, you owe us nothing. This eliminates all financial risk for you.

The timeline can vary depending on the county, the complexity of the claim, and how quickly necessary documents are provided. Typically, once a claim is filed, it can take anywhere from 90 days to 6 months for the funds to be released. We work diligently to expedite the process and keep you informed every step of the way. What's your biggest concern about the waiting period?

Commonly required documents include proof of identity (ID), proof of ownership of the foreclosed property, and potentially documents related to the foreclosure case or heirship (if you are claiming as an heir). Don't worry if you don't have everything readily available; we'll guide you through exactly what's needed and assist you in obtaining them.

In many states, there are statutes of limitations on how long you have to claim surplus funds. However, these timeframes can vary, and sometimes, exceptions apply. Even if it's been several years, it's always worth checking! We can research your specific situation to determine if a claim is still possible. Don't let a missed opportunity cost you. What's the harm in finding out?

While you are legally permitted to file a claim on your own, the process can be complex, time-consuming, and frustrating. Many people prefer to work with specialists like us. We have the expertise, systems, and network to navigate the legalities efficiently, often recovering funds faster and with less hassle than trying to do it yourself. You don't need to hire a separate attorney; we manage the process for you. How much is your peace of mind worth?

Yes, absolutely. If your property has a pending auction date, it's critical to act fast. We can explore options to purchase your property before the auction. This allows you to avoid the credit damage of a foreclosure and potentially walk away with cash in hand. This is a separate service from surplus funds recovery but is a vital solution for homeowners in distress. Don't wait until it's too late; a simple conversation can provide clarity.