Do I Still Have Rights After Foreclosure? Discover What You’re Still Entitled To

Losing your home doesn’t have to mean losing everything. Many homeowners are unaware that they could be entitled to surplus funds after a foreclosure sale. This guide breaks down the rights you still have and explains how to claim money that may be legally yours.

What Are Surplus Funds?

Surplus funds are the leftover money after your home sells at auction, once all debts (mortgage, taxes, legal fees) are paid off.

Quick Example:

• Auction Sale: $210,000

• Mortgage + Fees: $170,000

• Surplus Funds: $40,000 — this could belong to you!

Your Rights After Foreclosure

✓ The Right to Claim Surplus Funds
Most states allow you to file a claim through the court or the trustee’s office.

✓ The Right to Be Notified
Some states require notice, but many homeowners don’t receive it, or it gets overlooked.

✓ The Right to Representation
You can seek professional help from surplus recovery experts like Heritage Surplus Solutions.

✓ The Right to Dispute Claims
If creditors try to claim your money improperly, you have the right to dispute it

Why Many Homeowners Miss Out
❗ Lack of awareness
❗ Moved and missed notifications
❗ Assumed the bank kept it all
❗ Thought claiming was too complicated

How to Find Out If You’re Owed Money
✓ Contact your County Clerk or Trustee
✓ Provide your name and property address
✓ Ask about surplus funds from your foreclosure

Or simply have a professional team (like us) do the legwork for you.

What If You Have Debts?
Liens like IRS debt or HOA fees may be deducted from the surplus first. Anything left after those payments is still yours.

Time Is Limited; Act Quickly

Each state has deadlines for filing. In some places, you could lose your rights within a year. Don’t delay, time matters.

At Heritage Surplus Solutions, we help homeowners claim what’s rightfully theirs with no upfront fees and full guidance.

📞 +1 888-981-9848 | 📧 [email protected] | 🌐 heritagesurplus.com

You may have lost your house, but you haven’t lost your rights. Let’s help you get what’s yours.