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What Are Surplus Funds?

  • Definition: Surplus funds are the excess proceeds from the foreclosure sale of a property that exceed the amount needed to satisfy the outstanding mortgage, liens, and other debts.
  • Ownership: These funds belong to the former homeowner, but they are often unaware of their rights to claim them.

Strategies for Maximizing Surplus Funds:

  1. Timely Action: Act quickly after the foreclosure sale to claim the surplus funds before they are disbursed to other parties.
  2. Legal Expertise: Hire an experienced foreclosure attorney to navigate the legal complexities and maximize your claim.
  3. Identifying All Funds: Ensure all potential sources of surplus funds, such as overbids and excess proceeds, are identified and claimed.
  4. Negotiation Skills: Negotiate with creditors to reduce or eliminate any claims against the surplus funds, maximizing the amount you receive.
  5. Court Petition: File a court petition to claim the surplus funds and ensure your rights are protected.

Why Choose Foreclosure & Estate Planning Law Experts:

  1. Specialization: Our firm specializes in recovering surplus funds after foreclosure, ensuring a deep understanding of the process and laws involved.
  2. Track Record: We have a proven track record of successfully recovering surplus funds for our clients.
  3. No Upfront Fees: We work on a contingency basis, so you only pay us if we recover surplus funds for you.
  4. Personalized Service: We provide personalized attention to each client, tailoring our strategies to their specific needs and circumstances.
  5. Maximized Returns: Our expertise and strategies are aimed at maximizing the amount of surplus funds you receive.


Surplus funds after foreclosure can provide much-needed financial relief to former homeowners. However, claiming these funds can be complex and challenging. It's crucial to seek the assistance of an experienced attorney, like those at Foreclosure & Estate Planning Law Experts, to help you navigate the process and maximize your claim. Contact us today to learn more about how we can help you recover surplus funds after foreclosure.
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