Reclaim Your Surplus Funds Today

Helping Homeowners Reclaim Their Assets

We are an asset recovery & foreclosure assistance company that specializes in helping individuals and families get back funds that are rightfully owed to them known as “Surplus Funds”. According to Fla. Statute 45.032(1)(c) by law, the amount of whatever is left from the foreclosure sale must be paid to the previous homeowner. In addition, we perform an audit on the county records, and the county provides us with information and updates on each claim. Our Process is very simple

• We do Legal Compliance - We consult with our in-house attorneys to process the assets claims. Our attorneys make sure there is no mistake when it's time to file.

• We Research your Claim - We research and track where you might have a legitimate claim. We find out what kind of liens may still be owed to other lender parties.

150K+

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Trusted by Many

Proven Success

We Found Money That Belongs To You, Let Us Help You Get It Back

Step 1

After your home or a deceased relative’s home has been sold in a foreclosure auction, Helping Hand Recovery have found that the sale price was higher than the amount owed. This extra money legally belongs to you!

We will assist and support you every step of the way. We have worked with millions of families and individuals who previously lost their home due to foreclosure. Below is a step-by-step process

Step 2

Helping Hand Recovery identified the funds that are currently being held in the county court registry as a result of the property going through the foreclosure sale.

Step 3

We audit and use land records, government databases, public records, and skip trace tools to identify you as the rightful claimant for surplus funds.

Step 4

After a free consultation, you sign an agreement which allows us to process the claim at no upfront or out-of-pocket cost to you.

Step 5

Once you’ve signed, we do all the work. Our attorneys draft and file all of the appropriate notices and motions. We coordinate with the attorneys from the other parties involved and set a hearing in front of the judge.

Step 6

Once the judge grants the order and disburses us the funds, we send you an ACH or a Wire transfer or overnight you a check.

Frequently asked questions

What are Surplus Funds?

Surplus funds can also be referred to as an “overage”, or “excess funds”. When a property goes into foreclosure, it sells at auction. The foreclosure may be an association foreclosure, a mortgage foreclosure, or a tax-deed foreclosure for example. In any case, when the property sells, it often times will sell for more than the amount for which it was being foreclosed on. These excess funds are called a “surplus”, and these excess funds belong to the original home-owner, or heirs to the original home-owner!

Where are Funds From?

The funds we are calling you about are held in the county court registry. They are the result of an association foreclosure, a mortgage foreclosure, or a tax-deed foreclosure sale, where the amount the property sold for at auction is more than the amount it was being foreclosed on for. These are called “surplus funds”.

Who can Claim These Surplus Funds

Our pricing varies The Legislature in the State of Florida has been very specific in how they worded the law on who is entitled to surplus. Here is the “legalese” version our attorney uses, and below it, our version that’s easier to interpret
2021 Florida Statutes
Title VI – Civil Practice and Procedure
Chapter 45 – Civil Procedure: General Provisions
45.032 – Disbursement of Surplus Funds After Judicial Sale.

Whoever owned the property on the date the lawsuit was filed is the party who can claim surplus funds. They can make that claim after any lienholders are paid what they are owed on the property. Other lienholders might be: second or third mortgages, city liens (unpaid water, electricity, trash, etc.), code enforcement violations (didn’t fix something the city asked you to), UCCs (people who have a secured asset they have loaned to you like solar power on the roof, or hot water heaters, etc.) During our case review, our expert specialist will walk you through all the details of your case and who may or may not claim surplus.

A lot of times, we see the investor or purchaser at auction try and make a claim for surplus funds. This happens a lot when the homeowner isn’t represented by us. If nobody files an objection to this claim, a lot of judges will grant it. As a result, money that actually belongs to you (the prior homeowner) instead gets wrongfully disbursed to the new buyer of the home at auction. We can and will fight this on your behalf!

Can I Collect These Funds on My Own?

Typically with a mortgage surplus, a motion needs to be filed with the court so that these funds can be collected. In order to do this, you can hire an attorney on your own which is very costly – attorneys typically charge an hourly rate which you will have to pay out-of-pocket, even if they aren’t successful. Alternatively, if you find an attorney that works on contingency, then they will charge a fee as high as 45% or more! However be aware, some attorneys may not understand the process of processing these types of claims, and this can cost significant amounts of money if not done properly.

When the claims are more complex in nature, our attorneys need to work diligently to establish you as the rightful recipient of these funds, and to ensure that the court orders a release of these funds by the agency holding them.

However, By working with Helping Hand Recovery, all of the attorney’s fees and related expenses are completely covered by us. There are zero out-of-pocket expenses that you will incur. And we work strictly on a contingency basis, so we only get paid when/if you get paid! And if we are not able to recover any funds on your behalf, then our services are 100% free of charge!

Our team of foreclosure experts have identified that you have rights to claim funds as a result of a foreclosure sale. Our experts have performed public record searches, skip traces, and court docket reviews to determine this information. This may be a property that you owned, or one that you are an heir to, whether it was your parents, siblings or even distant relatives. We are experts in proving your rights to claim these funds and getting the courts to disburse them to you as soon as possible.

Lets Get In Touch

Contact us to reclaim your surplus mortgage funds. Our team is here to assist you in the asset recovery process.

Call/Text

(833) 438-2708

Support

support@helpinghandrecovery.org