After foreclosure, you may be entitled to surplus funds from your home's sale. We help homeowners like you claim what you're owed—with no upfront costs.
Your Trusted Partner in Foreclosure Recovery
At Your Money Menders, we specialize in helping former homeowners recover surplus funds—money that remains after a foreclosure sale pays off the mortgage and associated costs. Many homeowners don't realize they have a legal right to these funds.
When your home is sold at a foreclosure auction for more than what you owed, the difference belongs to you. However, the legal process to claim these funds can be complex and time-consuming. That's where we come in.
From Foreclosure to Financial Recovery
A Simple, Transparent Process to Recover Your Funds
Contact us for a free consultation. We'll review your foreclosure case to determine if surplus funds are available and calculate the potential amount you may be entitled to receive.
We gather all necessary documentation, prepare legal petitions, and file the required motions with the court on your behalf. Our team handles all the paperwork and legal complexities.
We represent you throughout the legal process, including court appearances if necessary. We notify all parties involved and advocate for your right to the surplus funds.
Once the court approves your claim, typically within 90-120 days, the surplus funds are released. You receive your money, minus our agreed-upon service fee.
Comprehensive Foreclosure Recovery Solutions
We conduct thorough research to identify if surplus funds exist from your foreclosure sale and calculate the exact amount you're entitled to claim.
Our team prepares all necessary legal documents, petitions, and motions required to file your claim with the court efficiently and accurately.
We handle all court appearances and legal proceedings on your behalf, ensuring your rights are protected throughout the recovery process.
We navigate complex lien priority issues and work to maximize your recovery after subordinate lienholders receive their entitled portions.
Deadlines matter. We act quickly to file your claim before statutes of limitation expire, ensuring you don't lose your right to surplus funds.
Stay informed every step of the way with regular updates on your case status, court dates, and expected timelines for fund recovery.
The Right Partner for Your Financial Recovery
We work on a contingency basis—you only pay when we successfully recover your funds. No risk, no hidden fees.
Years of experience helping homeowners recover millions in surplus funds from foreclosure sales.
Our team of foreclosure recovery specialists understands the legal process and knows how to navigate the complex court system to get you results.
We expedite the recovery process to get your funds as quickly as possible—typically within 90-120 days.
We understand the challenges of foreclosure and treat every client with respect, dignity, and empathy.
Your personal information and case details are handled with the highest level of security and confidentiality.
Get Answers to Common Questions About Surplus Funds
Foreclosure surplus funds are the excess money remaining after a foreclosed property is sold at auction and all debts (mortgage, taxes, legal fees) are paid. If your home sold for more than what was owed, you're legally entitled to claim the difference.
Contact us for a free case review. We'll research your foreclosure case to determine if surplus funds exist. You may have surplus funds if the auction sale price exceeded your outstanding mortgage balance, property taxes, and foreclosure costs.
The average time to recover surplus funds is typically 90-120 days after filing your petition with the court. The exact timeline can vary depending on court schedules, whether other parties file competing claims, and the complexity of your case.
We work on a contingency basis with no upfront costs. Our fee is a percentage of the recovered funds, which we'll clearly explain during your free consultation. You only pay if we successfully recover money for you.
Yes, subordinate lienholders (such as second mortgage holders, HOA liens, or tax liens) have priority claims to surplus funds before the homeowner. However, once their legitimate claims are satisfied, any remaining funds belong to you as the former property owner.
Yes, statutes of limitation apply to surplus fund claims, which vary by state. In some states, unclaimed surplus funds may be transferred to the state's unclaimed property division. It's important to act quickly—contact us as soon as possible to protect your rights.
Typically, no. Our legal team handles all court appearances and proceedings on your behalf. We'll keep you informed throughout the process and only require your attendance if absolutely necessary for your specific case.
The IRS may consider surplus funds as taxable income, and you may need to report them on your federal tax return. Tax implications can vary based on your individual circumstances. We recommend consulting with a tax professional about your specific situation.
Free Consultation • No Upfront Costs • Fast Recovery
Ready to claim your surplus funds? Contact us today for a free case review. Our team is here to help you every step of the way.
(678) 243-0050
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Saturday: 10:00 AM - 2:00 PM