Surplus Funds Basics: Helping Homeowners Recover What Is Theirs

by bam

When a home sells at a tax or foreclosure auction for more than the debt against it, the extra money belongs to the former owner, and a great deal of it is never claimed. This course teaches where that money comes from and where it sits, what the Supreme Court settled in Tyler v. Hennepin County and what it did not, how to read a county surplus ledger, how to verify who is entitled, and how the claim is actually filed. It covers the honest economics of doing this as a service: the fee caps in Florida and Georgia, the fact that Texas prohibits a non-attorney from charging at all, the deadlines that end a claim, and the disclosure model that is both the ethical choice and the only one that works in all three states. It teaches the industry as it actually operates, including the practices that got the fee caps written, and it is honest about how much of the money in this field is made selling training rather than recovering funds. Built on statutes read directly and dated, with a method for researching any county rather than a summary table that goes stale. Not legal advice.