Surplus Funds/Excess Proceed Claims

---

As a surplus funds attorney, I help homeowners nationwide recover money owed to them after a foreclosure or tax sale.

Surplus funds — also called excess funds, overages, or excess proceeds — are the extra money left when a foreclosed property sells for more than the debt owed. By law, these funds belong to the former owner or other parties with a valid claim, not the lender or the county.

Foreclosures occur through tax sales, sheriff’s sales, or mortgage foreclosure auctions. When the sale price exceeds the amount owed, the surplus is available to be claimed by the former owner, lienholders, or others with a recorded interest. Claim deadlines vary by state — in Georgia, homeowners have up to five years to claim tax sale overages before the money goes to the state.

Unfortunately, many rightful owners lose their funds due to missed deadlines, incorrect filings, or scams. My firm works directly with counties and trustees to file accurate claims quickly, protecting clients from fraud and maximizing their recovery.

I’ve helped clients reclaim anywhere from $5,000 to $200,000, and we work on a contingency fee basis — no recovery, no fee.