Money may be waiting for you after a foreclosure or tax sale.
When a property sells for more than what was owed, the difference belongs to the former owner. Those overages often sit unclaimed in county and court accounts. vlb consumer advocates locates that money, verifies your right to it, and recovers it on your behalf.
No upfront fees. You pay nothing unless we recover funds for you.
A property sold at foreclosure or tax auction often brings more than the debt owed against it. That excess is called a surplus, or overage, and by law it belongs to the prior owner or their heirs.
The problem is that this money rarely finds its way back on its own. Claims involve county records, court filings, lien verification, and strict deadlines. Many rightful owners never learn the money exists, and unclaimed balances are eventually absorbed by the state. vlb consumer advocates exists to close that gap. We do the research, prove your entitlement, and manage the filing so the funds reach the person they are owed to.
A deliberate path from discovery to disbursement.
Select a step to see exactly what we handle. Every claim follows the same careful sequence, and nothing is asked of you before there is money to recover.
We audit the record
We review public foreclosure and tax-sale records to identify surplus balances tied to your property and confirm the amount actually held by the county or court.
- Search county and court holding accounts
- Confirm the exact surplus amount on deposit
- Check the claim window and deadlines
We verify your claim
We establish your legal standing as the rightful owner or heir, trace any liens or competing interests, and assemble the documentation a court will require before releasing funds.
- Confirm ownership or heirship
- Identify and resolve liens or competing claims
- Prepare supporting documentation
We file and represent
We prepare and submit the petition, respond to the holding authority, and manage every deadline and follow-up so your claim moves forward correctly the first time.
- Draft and file the claim petition
- Correspond with the county or court
- Track every deadline on your behalf
You receive your funds
Once the claim is approved, the recovered surplus is disbursed to you. Our agreed fee is deducted only from what is recovered, so you are never out of pocket.
- Funds disbursed directly to you
- Fee taken only from recovered money
- Clear written accounting of every dollar
Built around your interests, not against them.
Surplus recovery has drawn its share of bad actors. We work the opposite way: plainly, on paper, and with your consent at every step.
You never pay to start, and you never pay out of pocket. Our compensation is a clearly stated percentage of funds we successfully recover for you. If we recover nothing, you owe nothing.
-
No money out of your pocket
You pay nothing to begin and nothing along the way. Our fee comes only from funds we recover for you.
-
Everything in writing
Our fee and terms are disclosed in a clear agreement before you sign. No hidden charges and no surprises later.
-
Your information stays private
Details you share are used only to research and pursue your claim. We never sell your information, and you can stop at any time.
Questions, answered plainly.
If you do not see your question here, call us at 754-334-0161 or send a note through the form below.
Find out, with no cost or obligation, whether funds are owed to you.
Share a few details about the property and how to reach you. A representative will review the public record and follow up directly. There is no fee for this review.
No upfront fees. We respond within one to two business days.
Thank you. Your request is in.
A representative will review the public record for your property and reach out within one to two business days.