Under Florida law, if your property sold at auction for more than what was owed, the extra money may be owed to you. We recover it with zero upfront cost and no fee unless funds are recovered.
We'll verify if you have money waiting. Usually within 24 hours.
When a property is sold at a foreclosure auction in Florida, it sometimes sells for more than the amount owed on the mortgage and court costs. That extra money is called surplus funds, and under Florida Statute 45.032 it is generally presumed payable to the owner of record as of the date the lis pendens was filed, after timely subordinate lienholder claims are resolved and subject to court determination.
Many people who go through foreclosure have no idea this money exists. The court doesn't send you a check automatically. You have to file a claim, and if you don't act within the legal timeframe, those funds can be transferred to the State of Florida.
Surplus Claim Advocates handles every step: the court search, the paperwork, the filing, and the hearings. You don't have to figure out Florida circuit court procedure on your own.
⚡ The average surplus recovery for our Miami-Dade, Broward and Palm Beach clients is between $15,000 and $65,000.
A simple, transparent process. We handle everything from the first court search to the day disbursement hits.
Submit your info. We research court records, the certificate of disbursements, and verify if surplus funds exist for your property.
Within 24 hoursIf funds exist, we send a plain-language recovery agreement. You review it, sign, and we go to work. No money out of your pocket at any point.
Same dayWe prepare all court documents, file the motion with the Clerk, handle subordinate lienholder disputes, and attend any hearings.
1–4 weeksOnce the court orders disbursement, the Clerk releases the funds into our attorney's trust account. The agreed fee is deducted there and your share is sent to you within 10 business days, with a written accounting.
30–90 days totalUnder Florida law, multiple parties may be eligible to recover surplus funds from a foreclosure or tax deed sale.
If you were the owner of record on the date the lis pendens was filed, Florida law presumes you are entitled to the surplus after timely subordinate lienholder claims are resolved. Bankruptcy requires separate review, since surplus funds may be property of the bankruptcy estate.
If the former homeowner has passed away, legal heirs, estate representatives, and successors may claim the surplus. We handle probate-related claims and can guide you through proving eligibility.
Surplus funds also arise from tax deed sales: when a property is auctioned for unpaid property taxes and sells for more than the tax debt, the former owner may be entitled to the difference.
In a space full of questionable mailers and aggressive solicitors, we built our business on trust, transparency, and results.
We work purely on contingency. If we don't recover your surplus funds, you owe us nothing. Not a single dollar.
We're based in South Florida and personally familiar with the Miami-Dade, Broward and Palm Beach Clerk of Court systems. Not a call center in another state.
We verify your eligibility within 24 hours and file claims immediately. Most clients see their funds within 30–90 days.
Our team speaks English and Spanish. Your primary language shouldn't determine whether you get money that's legally yours.
We explain every step, every fee, and every document. You'll never be surprised. Our contract is plain-language and FL-compliant.
A licensed Florida attorney files and pursues your claim, and the recovered money is held in that attorney's regulated trust account until your share is paid out. Florida Statute 45.032(3)(a) protects your right to file a surplus claim without any representative. That disclosure is always in our agreement.
These are former homeowners who didn't know they had money waiting in the court registry. We found it for them.
"I lost my condo in Hialeah and thought everything was gone. Surplus Claim Advocates contacted me, explained the whole process, and within 60 days I had a check for $38,200. I couldn't believe it."
"My mother passed away and her home was foreclosed. I had no idea there were surplus funds. The team handled the probate complexities and recovered over $52K for our family. Grateful beyond words."
"I got all kinds of suspicious letters after my foreclosure. Surplus Claim Advocates was the only company that was transparent about fees and the process. Professional from start to finish."
Under Florida law, unclaimed surplus funds are transferred to the State after one year. Once that happens, the recovery process becomes significantly harder and slower. Don't wait.
Check My Eligibility Now →Everything you need to know about surplus funds recovery in Florida.
If your home was sold at foreclosure or tax deed auction in Florida, there may be surplus funds waiting for you right now. Find out in 24 hours. It's free.
Check My Eligibility, It's Free →Or call us: (305) 356-4008 · Hablamos Español