Meet Redemptions LLC -Your Trusted Surplus Funds Recovery Team
Helping home owners recover Excess Proceeds with clarity, respect and dignity.
My Core Values
What guides our approach to helping every client recover their surplus funds.
Personalized Guidance
Every client has unique financial goals, timelines, and circumstances. I take the time to understand your specific situation and provide customized advice that aligns with your long-term objectives.
Complete Transparency
No hidden fees, no confusing jargon, no surprises. I explain every aspect of the excess proceeds or surplus funds process in plain language, from start to your check in hand. You'll always know exactly what you're signing.
Who We Help
We help individuals, businesses, and organizations recover unclaimed excess proceeds from tax sales and foreclosures across the country.
Frequently Asked Questions
Quick answers to common questions about working with us and the recovery process
Who is legally entitled to claim excess proceeds?
The primary entities eligible to claim the surplus funds include:
The Former Owner: The person or business entity that held the title at the time of foreclosure.
Subordinate Lienholders: Junior mortgage lenders, home equity lines of credit (HELOCs), and Homeowner Associations (HOAs) holding valid liens.
Legal Heirs: If the property owner is deceased, the rightful heirs can pursue the funds, often requiring probate court documentation.
How long do I have to file a claim?
Deadlines vary strictly by state and local jurisdiction, making swift action critical:
State-Specific Limits: States like Florida generally enforce a strict one-year limit from the disbursement certificate date, while Arizona allows up to two years before funds are deemed abandoned.
The Ultimate Consequence: If you miss the statutory deadline, the funds typically transfer to the state's unclaimed property division or general fund, making recovery significantly harder or impossible.
Why do I not know about my surplus funds?
By law, the county treasurer or foreclosure trustee is usually required to mail a notice of surplus funds to the owner’s last known address.
The Mail Delivery Problem: Because the foreclosure forces you out of the home, the official letter is almost always sent directly to the house you just vacated.
No Forwarding Address: If you did not immediately set up a forwarding address with the post office, or if the court mail was marked "do not forward," you would never see the letter
Lenders and Counties Have No Incentive to Call You
The entities handling the sale are under no legal obligation to track you down via phone, email, or social media.
No Phone Calls: Once the lender gets their exact payout, their legal involvement effectively ends.
The Government Keep System: If you fail to file a claim within the state's legal deadline, the money "escheats" (transfers) permanently into the county or state general fund. Because the government eventually keeps unclaimed money, they rarely allocate resources to find you.
Ready to Find Your Surplus Funds?
Many people don't know what happens after their foreclosure, We're here to educate and help you move forward confidently.
Redemptions LLC
Nationwide Coverage
We handle surplus funds claims in counties across the United States
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