Surplus Funds Recovery
We help individuals recover unclaimed surplus funds after foreclosures, tax sales, and other financial events. No upfront costs. No risk. Just results.
What We Recover
After a property is sold at auction for more than what was owed, the excess belongs to the former owner. Most people never find out. We do.
When your home sells at foreclosure auction for more than the outstanding mortgage, the difference is legally yours. We file the motions and handle every step of the court process.
Properties sold at tax deed sales often generate thousands in surplus funds held by the county clerk. We identify these funds and recover them on your behalf.
Sheriff sales, HOA foreclosures, and other forced property sales can produce excess proceeds. If your property was sold, you may have money waiting.
How It Works
We handle the entire claims process from research through disbursement. You focus on your life. We focus on your funds.
We review county records, court documents, and auction data to determine if surplus funds exist from your property sale.
We verify your eligibility, gather all necessary documentation, and confirm the funds are available for recovery.
We file claims with the appropriate court or county office, handle all legal requirements, and pursue your funds through to disbursement.
Once approved, surplus funds are released directly to you. Our fee is only collected upon successful recovery.
Florida Surplus Funds
Florida law protects your right to unclaimed surplus funds. Here's what you need to know.
When a property is sold at a foreclosure or tax deed auction for more than the total debt owed, the excess proceeds are called surplus funds. Under Florida Statute § 45.032 and § 197.582, these funds must be held by the court clerk or county and returned to eligible claimants — most often the former property owner or their heirs. Millions of dollars go unclaimed every year simply because people don't know the money exists.
Florida Statute § 45.032 governs foreclosure surplus funds and establishes the court process for claiming them. Florida Statute § 197.582 covers tax deed sales. Both statutes create a legal right of the former owner (and other subordinate lienholders in order of priority) to petition the court or county clerk for disbursement. The law sets strict deadlines — typically one year for foreclosure surplus — so acting promptly is critical.
Possibly. Eligibility depends on the type of sale, the county, and how much time has passed. Foreclosure surplus funds must be claimed within one year of the court's final order of disbursement under Florida law. Tax deed overages may have longer windows. We research your specific case at no cost to you and tell you exactly where you stand before asking for anything.
Yes. Heirs, surviving spouses, and estate representatives can be eligible claimants. The process typically requires additional documentation — probate records, death certificates, letters of administration — but it is entirely possible to recover funds on behalf of a deceased former owner. We handle this more complex documentation process regularly.
Nothing upfront, ever. We work on a contingency basis: we only get paid when you get paid. Our fee is a percentage of the recovered funds, agreed upon in writing before we begin. If we don't recover anything, you owe nothing. This structure aligns our interests completely with yours.
It varies by county, case complexity, and court docket. Straightforward foreclosure surplus claims typically take 60–120 days from filing to disbursement. Tax deed overage claims can be faster. We give you realistic timelines based on your specific county and case details — not generic estimates.
All 67 Florida counties. We're familiar with the court procedures, clerk offices, and county-specific requirements across the entire state — from Miami-Dade to Escambia. County-level knowledge matters because the process varies, and we've navigated it statewide.
Yes, and we'll never discourage you from doing so. The court process is technically open to self-represented claimants. However, the filings require knowledge of Florida civil procedure, correct identification of all liens and encumbrances, and meeting strict deadlines. Errors can result in delays, dismissals, or loss of the claim. We exist precisely for people who don't want to navigate this alone.
Free Claim Review
Tell us about your property situation. We'll research it at no cost and tell you exactly what, if anything, can be recovered. No obligation, no pressure.
Prosperity Claim Partners exists because the system doesn't make it easy. County clerks hold millions in surplus funds. Former homeowners and their heirs often have no idea the money exists. We bridge that gap with professionalism, transparency, and relentless attention to every claim.
Recovering what's yours. With integrity.