Foreclosure Isn’t the End: How Surplus Funds Can Help You Rebuild Financially

Many people don’t realize how powerful surplus funds can be in helping them move forward. Here are real ways these funds have helped others bounce back after foreclosure:

1. Secure New Housing
   Pay first and last month’s rent or put a down payment on a more affordable home.
   
   

2. Eliminate Debts
   Pay off credit cards, medical bills, or auto loans to reduce financial stress quickly.
   
   

3. Rebuild Credit
   With some financial stability, you can begin repairing your credit score and future loan eligibility.
   
   

4. Create a Safety Net
   Set money aside for emergencies, future rent, or unexpected life events.
   
   

5. Support Your Family
   Cover childcare, school supplies, or essential bills to stabilize your household.
   

Why Most People Never Claim Their Surplus Funds

Surplus funds are commonly left unclaimed. Why?

• They moved and never received official notice

• They didn’t understand what “surplus” meant

• They assumed the bank kept everything

• They thought it was too complicated to claim

Don’t let misinformation stop you from recovering what’s legally yours.

How to Find Out If You’re Owed Surplus Funds

Follow these simple steps to start your recovery process:

1. Find the County Where the Foreclosure Occurred
   Search the Clerk of Court or Trustee’s Office where the home was located.
   
   

2. Call the Office & Ask About Surplus Funds
   Provide your name and the former property address. Ask if funds exist in your name.
   
   

3. Request Instructions for Filing a Claim
   Most counties will provide clear steps. You may need proof of identity and foreclosure records.
   

Don’t Wait! There’s a Deadline

Each state has its own claim period. Some allow 1 year, others 2–5 years. If you miss the deadline, the funds could be:

• Forfeited to the state

• Claimed by other creditors
  

Act quickly before it’s too late.

Not Comfortable Doing It Alone? We Can Help.

You don’t have to face paperwork or legal confusion alone.

At Heritage Surplus Solutions, we help people just like you:

→ Locate unclaimed surplus funds

→ Navigate the court and claim process

→ Avoid mistakes that cause delays

→ Get paid, without any upfront cost

Real People. Real Results.

Lisa thought foreclosure had ended her chances of starting fresh. After losing her home during a divorce, she contacted us, and we helped her recover $32,000 in surplus funds.

With that money, she secured a new apartment, cleared past bills, and launched a small business from home.

You deserve a comeback like that, too.

Take the First Step Toward Recovery

Foreclosure is a chapter, not the end.

Let us help you turn the page.

📞 Call us at +1 888-981-9848
📧 Email [email protected]
🌐 Visit heritagesurplus.com

There may be thousands of dollars waiting for you. Let’s find it, together!