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When a foreclosed home sells for more than what was owed, the leftover money — called surplus funds — legally belongs to you, the former owner. Most people never find out in time. We help homeowners in Wisconsin and Florida recover what's theirs, and we don't stop at the check.
Here's what often happens: a property is sold at a foreclosure auction, and the winning bid is higher than the total owed on the mortgage. That difference doesn't go to the bank — it's money left over that legally belongs to the former homeowner. It can add up to tens of thousands of dollars.
The trouble is, the court system doesn't make this easy to find out. You'll eventually get a notice from the clerk of court, but by the time it arrives the clock may already be ticking on a deadline to file your claim. The paperwork is specific, filings often need to be notarized, and a single misstep can stall everything. As a result, a lot of families never collect money that was rightfully theirs.
We think that's wrong. So we help homeowners find out whether they're owed surplus funds and, if they'd like our help, we handle the entire claims process for them.
We'll always be upfront and put the terms in writing before you decide anything.
Losing a home is one of the hardest things a person can go through, and the funds are only one piece of the puzzle. What keeps most people up at night is a simpler question: where am I going to live? That's why we help with the whole transition, not just the paperwork.
We work with housing-assistance programs that can connect you with a caseworker and, depending on eligibility, help with deposits and first month's rent.
Many landlords are more willing to work with you when they can see in writing that you have proceeds coming. We can help document that.
Worried about being removed quickly? We can help you understand the timeline and, where possible, negotiate extra time to move.
We want to be completely clear about this: you have every right to file a surplus funds claim on your own, without paying anyone a dime. You don't need us. We'll even point you in the right direction if that's what you'd prefer.
Most people come to us because the process — court filings, notarized documents, strict deadlines, and follow-up — is overwhelming on top of everything else they're dealing with. If you'd like an experienced team to handle all of it and help you land on your feet, that's exactly what we're here for. Either way, the most important thing is that the money ends up where it belongs: with you.
A short, confidential conversation can tell you whether there's surplus money waiting for you — and help you take the next step with confidence. No upfront cost, no pressure.