Surplus Fund Recovery

The County Has Your Money.We Know How to Get It Back.

When a home sells at a foreclosure or tax auction for more than was owed, the extra money belongs to the former owner or their family. Most people never find out. We do the digging, and you pay nothing unless we recover it.

Find Out What You Are Owed Call (754) 354-7668
or see exactly how it works ↓
✓ Zero upfront fees ever
✓ We show you county proof first
✓ You only pay after you are paid
Why We Reached Out to You

This Money Already Belongs to You.

In plain terms, this is money the county is holding for you. When a home is sold at a foreclosure or tax auction for more than was owed, the leftover money belongs to the former owner or their family, not the bank and not the county.

State law requires the county to hold these funds for you. Most people never claim them for one simple reason: they never find out the money exists. Read the full story →

What We Do

Specializing in Legal Surplus Fund Recovery

When a property goes through foreclosure or tax sale, the county holds any leftover funds under your name. These funds do not disappear. They wait. We locate them and return them to the people they actually belong to.

01

Foreclosure Surplus Recovery

When a foreclosed property sells at auction for more than the mortgage owed, the difference belongs to the former homeowner. Most people never receive the county notice. We find those funds and file the claim on your behalf.

Check your eligibility →
02

Tax Deed Surplus Recovery

When a property is sold at a tax deed auction for more than the taxes owed, a surplus is created in the former owner's name. These funds sit in the county registry waiting to be claimed. We handle the entire filing process.

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03

Heir and Estate Claims

If the original owner has passed away, their heirs still have a legal right to the surplus. We help families navigate the estate process to ensure the funds reach the right person. These cases often carry a higher recovery amount.

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We Know What You Are Thinking

You Have Heard This Before. Here Is the Difference.

"Is this even real? It sounds too good to be true."

These funds are public record. They sit in county court registries across the country. Before we ever contact you, we pull the actual court documents confirming the funds and your name. You see that evidence before you agree to anything.

"What is the catch? Why would you do this for free?"

It is not free. We earn a percentage of what we recover for you, but only after you receive your money. If we do not recover anything, you owe us nothing at all. Our incentive is completely aligned with yours.

"Why has nobody told me about this money before now?"

The county sends one notice to the foreclosed address where you no longer live. After that they have met their legal obligation. The funds sit and wait. Most people only find out when someone like us does the digging and reaches out directly.

"I will restore to you the years that the swarming locust has eaten."Joel 2:25

How It Works

A Clear Process. No Surprises.

We handle everything from the first search to the final payout. Here is exactly what happens, step by step.

1

We Check If You're Owed

We search county and court records to confirm whether surplus funds are sitting in your name.

Free, and you are under no obligation.
2

We Verify Ownership and Eligibility

We confirm you are the rightful party, whether you are the former owner or an heir, and gather what the county requires. Before you sign anything, we show you proof from the county first.

You see the evidence before any agreement.
3

You Complete Simple Paperwork

We prepare the forms and walk you through signing. No legal background needed on your end, and we advance all costs.

No money leaves your pocket.
4

We Coordinate the Recovery

We file the claim and manage the process from start to finish. When the law requires legal representation, we coordinate with experienced legal professionals.

We stay on it so you do not have to.
5

You Get Paid, and So Do We, Only Then

Once your claim is approved and the funds are released, you receive your money. We collect our agreed percentage only after you have been paid.

If nothing is recovered, you owe nothing.

What to Expect

Initial review
Usually within 24 to 48 hours of your request.
Case evaluation
A few business days, depending on the records involved.
Recovery timeline
Varies by county and court. Some cases resolve in a few weeks, others take several months, especially heir and estate claims.

We cannot control the county's timeline, but we stay on top of it so nothing stalls.

See It Before You Trust It

Do Not Take Our Word for It. Verify It Yourself.

Anyone can promise you money. We would rather prove it. Before you ever sign anything, we hand you the facts and invite you to check them with the county on your own.

Your Free Claim Verification Report

We send you a written report showing the exact amount being held, the county holding it, the case number, and the deadline to claim it. It is free, and it is yours whether or not you ever hire us.

Confirm It With the County

We give you the case number and the county clerk's phone number so you can call and confirm the funds are real, in your name, before you make any decision. We will even wait on the line while you do.

We Never Touch Your Money

You never pay us a dollar out of pocket, and we never ask for your bank login or a payment to "release" funds. Our fee is a percentage of what we recover, and it only comes out after your money has been recovered. If we recover nothing, you owe nothing.

No Upfront Fees

We advance all costs. You pay nothing until funds are successfully recovered on your behalf.

We Handle the Paperwork

Documentation, filings, follow-up. Everything is managed by our team start to finish.

Secure and Confidential

Your information is never shared or sold. We never ask for financial account access.

Fully Compliant

We follow the surplus fund laws and filing rules in every area we serve.

Questions

Frequently Asked Questions

Surplus funds, sometimes called an overage or excess funds, are the money left over after a property sells at a foreclosure or tax auction for more than the amount that was owed. When that happens, the extra proceeds belong to the original homeowner or their heirs. Not the bank, and not the county.

You have been identified as the party entitled to claim these funds because property you owned went through a foreclosure or tax sale, or because you are an heir to property that went through a sale. The county is required to notify you, but that notice goes to the foreclosed address where you no longer live, so most people never see it.

The funds sit in the county court registry. They are the direct result of a foreclosure or tax deed sale where the property sold for more than what was owed, and they stay there until a valid claim is filed. If no claim is filed within the statutory deadline, the state can permanently absorb them.

Never. If you work with us, you will not pay a single dollar out of pocket. We advance all the costs and fees required to process your claim. We are only paid on the back end, after we have successfully recovered the funds on your behalf.

We work on contingency. We agree on a percentage before anything begins, and we only collect it once the county releases your funds and you have been paid. If nothing is recovered, you owe us nothing. Our incentive is simple: we do not get paid unless you do.

It depends on the county and the type of claim. Some cases move in a matter of weeks, others take several months, especially heir and estate claims that involve additional documentation. We handle the filing, track the status, and keep you updated the whole way so you are never left wondering.

Everything we work from is public record. Before we ask you to sign anything, we show you documentation directly from the county confirming the funds exist and that you are the entitled party. You see the proof first. When legal representation is required, we coordinate with experienced legal professionals, and you are welcome to verify anything independently.

The only way to know for sure is to check the county and court records for the property. That is exactly what we do, for free. If a home you owned was sold at a foreclosure or tax auction for more than was owed, there is a real chance funds are waiting in your name. Reach out and we will look for you, with no cost and no obligation.

A fair question, and you should ask it of anyone who contacts you about money. Here is how we are different: we never ask for a dollar upfront, we show you county documents proving the funds exist before you sign anything, and we only get paid a percentage after the money reaches you. We will never ask for your bank login or a payment to "release" funds. If anyone ever asks you for money upfront to claim surplus funds, walk away.

Honestly, yes. The money is legally yours, and you are allowed to file the claim on your own. Here is what is involved: filing the right paperwork with the court, proving ownership, responding to any competing claims from lienholders, and tracking the case through the county system before a deadline. In Florida, claims are filed through a licensed attorney, which we coordinate. Many people find one missed form or a blown deadline can cost the entire claim, so they would rather have someone who does this every day handle it, and pay only if the money actually comes through. Either way, we will show you the facts so you can make the choice that is right for you.

Our Team

Real People. A Real Family.

We are a family business, not a call center. When you work with us, you are working with the same two people from the first conversation to the day your funds arrive. We answer the phone, we know your name, and we treat your money the way we would want ours handled.

Isaiah, Julie, and their daughter Viola, the family behind Provision Recovery
Isaiah & JulieFounders, Provision Recovery

"We built this because money that belongs to a family should find its way home. If we reached out to you, it is because we already found yours."

Do Not Wait Too Long

The Window Is Open Right Now.

Surplus funds are only held for a limited time. After that period, the state can permanently absorb them through a legal process called escheatment. If money is waiting in your name, the sooner we start, the better. Let us help you close this in your favor.

Find Out What You Are Owed Call (754) 354-7668
Call Now Check If I'm Owed