Recovering surplus funds is not always simple. Here are a few challenges to be aware of:
- Short Deadlines – In some counties, homeowners only have 60–120 days to file a claim.
- Multiple Claims – Competing lienholders or heirs can delay the process.
- Scams – Unlicensed individuals may try to charge upfront fees or steal your claim.
- Legal Paperwork – The process can require motions, affidavits, and court hearings.
Because of these issues, it’s often wise to consult someone experienced in foreclosure law.
