Information and Services

 

At Foreclosure Focus, we deliver targeted media coverage, strategic press releases, and in-depth reporting across the foreclosure and real estate landscape. Our mission is to inform, connect, and amplify the voices of those involved in foreclosure recovery, property rights, housing policy, and financial justice.

Business & Industry

We collaborate with foreclosure attorneys, surplus recovery agencies, investors, and real estate professionals to help promote services, cases, and trends shaping the distressed property space. Our press releases enhance visibility, build credibility, and connect businesses to their ideal audience.

Tourism & Destination

Foreclosures often impact entire communities — including vacation and destination markets. We highlight housing shifts in high-traffic tourist zones, short-term rental foreclosures, and real estate transitions in seasonal destinations.

Education & Training

We support educational institutions, nonprofits, and training providers with press campaigns that spotlight foreclosure education, homeowner support initiatives, financial literacy programs, and industry-specific workshops.

Government & Programs

We cover government foreclosure programs, surplus disbursement efforts, legal reforms, and initiatives aimed at protecting homeowners. Our reporting helps demystify policy and connect the public with the resources they need.

📰 Media Spotlight

Real Stories, Real Impact

At Foreclosure Focus, we don’t just cover headlines — we highlight the human stories behind them. From homeowners reclaiming lost equity to legal teams fighting for financial justice, our media spotlight series brings attention to those transforming foreclosure outcomes.

Featured Story
From Foreclosure to Freedom:
After losing their home in a sheriff’s sale, one Ohio family believed everything was gone — until they discovered they were owed nearly $90,000 in surplus funds. With help from a local surplus recovery advocate, they filed a claim and received their check in under 60 days. Stories like these remind us why access to information matters.


🎙️ Expert Voices

Insights from Industry Leaders

Foreclosure Focus features commentary from attorneys, investors, counselors, and educators working on the front lines of foreclosure and surplus fund recovery. Their insights help our readers better understand legal trends, market shifts, and practical strategies for navigating distressed real estate.

Recent Contributors Include:

  • Angela Torres, Esq. – Foreclosure & Surplus Fund Litigation

  • Mark Riggins – REO & Tax Lien Investor

  • Renee Bryant – HUD-Approved Housing Counselor

Are you a subject matter expert with a story to share? Contact us to contribute to Foreclosure Focus.


📍 State-by-State Foreclosure Watch

Regional Trends & Legal Developments

Each month, we track foreclosure data and surplus fund activity across the U.S. Our state watch series helps professionals and property owners stay ahead of trends that affect recovery timelines, eligibility requirements, and disbursement strategies.

April Highlights:

  • Florida: Increased claim filings due to new outreach efforts and updated surplus forms

  • Ohio: Courts resume aggressive docket clearing, leading to more sheriff sales

  • Indiana: Pending legislation may improve heir notifications in surplus cases

  • Oklahoma: Tulsa and Oklahoma County both report a rise in unclaimed surplus cases


🧰 Tools & Resources

Claim Smarter, Not Harder

We believe that clear access to public records and procedural documents should be the norm, not the exception. That’s why we’ve compiled a growing library of tools to help attorneys, homeowners, and recovery agencies work faster and more accurately.

Included in our resource library:

  • Foreclosure sale calendars (state and county)

  • Surplus claim form samples

  • Affidavit of heirship templates

  • Case search databases for property and court records

Need help finding a specific document? Let us know — we’re here to help.


💬 Community Voices

Testimonies from the Front Lines

Foreclosure affects lives — but recovery can restore hope. At Foreclosure Focus, we invite individuals impacted by the foreclosure process to share their experiences. Whether it’s a family who claimed surplus funds or a notary who witnessed the final signature, your story matters.

“We lost the house, but we didn’t lose everything. A press release helped us find the funds we didn’t even know existed.” – Michelle R., Indiana

Want to share your foreclosure journey? Submit your story and help others find their way forward.

Latest Foreclosure & Surplus Fund Reports | The Foreclosure Focus

Latest Foreclosure & Surplus Fund Reports

Trusted Updates on Surplus Funds, Foreclosure Trends, and Housing Policy in 2025

🔥 Featured Surplus Fund Guides

🏠 Foreclosure News & Housing Crisis Coverage

📜 Government & Budget Policy Updates

💰 State-Specific Surplus Fund Recovery

👪 Heirs, Estates & Family Support

🎓 Education & Awareness Campaigns

🔎 More Articles

Browse all articles and reports mentioning “Surplus Funds” on our search archive:

View Surplus Fund Archive →
Understanding Foreclosure Surplus Funds | The Foreclosure Focus

Understanding Foreclosure Surplus Funds

What They Are and How to Claim Them

What Are Surplus Funds in a Foreclosure?

Surplus funds, also known as excess proceeds or foreclosure overage, refer to money left over after a foreclosed property is sold and all debts (like a mortgage or liens) are paid. If the sale price exceeds the amount owed, that extra money becomes surplus funds. Learn more about what surplus funds are.

How Are Surplus Funds Generated?

Surplus funds come from competitive bidding at sheriff or trustee sales. When third-party buyers pay more than the debt owed, the difference becomes court-held surplus. After satisfying the mortgage and liens, remaining funds go to the homeowner. See an example of how surplus funds can help.

Who Is Eligible to Claim Surplus Funds?

  • Former Homeowners: Typically entitled to remaining funds after all other debts are paid.
  • Junior Lienholders: Secondary mortgage holders, tax liens, or HOA dues may claim first.
  • Heirs of the Homeowner: Can claim surplus funds through probate or affidavits. Learn how heirs can claim funds.
  • Other Claimants: Such as co-owners or judgment creditors, may also be eligible.

How to Recover Surplus Funds: Step-by-Step

  1. Check for Surplus: Contact your local court or trustee to confirm surplus exists.
  2. Identify the Holder: Usually a court clerk (judicial states) or trustee (non-judicial).
  3. File a Claim: Submit a motion or petition for surplus funds. Forms vary by state. Here’s how to file a claim.
  4. Prove Your Right: Provide ownership docs, ID, or probate evidence as required.
  5. Meet Deadlines: File on time; some states require claims within 30–60 days.
  6. Attend Hearings: If needed, present your claim before a judge.
  7. Get Paid: If approved, you’ll receive funds via check from the court or trustee.

Beware of Surplus Fund Scams

Unfortunately, this space attracts predatory actors who offer to “help” but charge up to 75% of the funds. Legitimate services often charge less and some states even cap fees. See how to spot and avoid scams.

Need Help? Trusted Support Is Available

Claiming surplus funds is your right, and with the right guidance, it can be stress-free. Our guides and professional resources can help you get started today. Contact The Foreclosure Focus for free resources, FAQs, and support.

The Foreclosure Focus | Surplus Funds & Foreclosure Media Experts

The Foreclosure Focus

Surplus Funds Recovery & Foreclosure News Experts

Our Locations & Listings

Contact Information

Address: 500 S Australian Ave, Unit 600, West Palm Beach, FL 33401

Phone: (561) 941-4853

Email: [email protected]

Website: www.theforeclosurefocus.com

Business Hours: Open 24 Hours, 7 Days a Week

About The Foreclosure Focus

At The Foreclosure Focus, we specialize in crafting high-impact press releases and media content centered around foreclosure trends, surplus fund recovery, real estate litigation, and housing market developments. Our mission is to provide trustworthy information and advocate for homeowners and heirs navigating the complex foreclosure process.

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