Your property sold for more
than you owed. That money
does not belong to the bank.
When a home sells at foreclosure or tax sale for more than the debt, the difference belongs to the former owner or their heirs — not the bank. We find it, and licensed Texas attorneys file to get it released to you.
Takes two minutes. No cost, no obligation, no pressure.
Illustration only. Every file turns on the actual bid, the actual payoff, and what else was recorded against the property. We work out your real number before anyone signs anything.
The arithmetic is simple. The paperwork is not.
A foreclosure sale is an auction. When bidding runs past the payoff, the extra money is held for the person who lost the property — not the lender. Most people are never told it exists.
How a claim actually moves
- 01
Free claim review
You give us the property and rough sale date. We work out the payoff and what's recoverable — no cost, no obligation.
- 02
Documented and signed
We confirm your identity and right to the funds. You sign one plain engagement letter that states the fee in writing. Nothing is filed until you do.
- 03
Attorney files the claim
A licensed Texas attorney files the petition, notifies the parties, and appears at the hearing — including any competing lien claims.
- 04
The court releases your funds
The clerk disburses on the order. Our fee comes out of the recovery as written; the balance is yours, with a copy of the order.
Who the money belongs to
The former owner
You lost the property, but not your right to what the sale brought above the debt.
Heirs of a deceased owner
If the owner has passed, the claim passes to the estate and its heirs.
Co-owners and part-owners
Inherited a share, or owned with a spouse or partner? Your interest carries a share.
Businesses and investors
An LLC, partnership, or trust has the same right to the excess as an individual.
Why people call this desk
Attorneys file it, not a call center
A surplus claim is a court petition and a hearing. We assemble the file; a licensed Texas attorney signs and files it.
Heirship is the hard part — and it's what we do
When the owner has died, the claim stalls on who the heirs are. We build the family trees and affidavits that close files other companies abandon.
Nothing out of pocket, ever
No retainer, no fees. Our cut comes out of the recovery, in writing before you sign. Recover nothing, owe nothing.
These claims expire
Texas tax-sale excess proceeds must generally be claimed within two years of the sale, then the money is gone for good. Foreclosure surpluses face their own deadlines and competing lienholder claims. The sooner a claim is on file, the better it sits.
Questions
What does it cost?
Nothing upfront. We are paid a percentage of what is actually recovered, agreed in writing before any work is filed. Recover nothing, owe nothing.
Is this a scam? Someone else already contacted me.
It is a real area of law, which is why it attracts bad actors. A legitimate firm never asks for money upfront, never asks you to sign over the deed or assign the funds, and puts the fee in writing first. See our page on the red flags.
The owner passed away. Can we still claim it?
Yes — it's much of what we do. The claim passes to the estate and its heirs. The court needs proof of who the heirs are, usually an affidavit of heirship, and we build that.
How long does it take?
A clean claim with a living owner often resolves in two to four months, set by the court's calendar. Deceased owners, multiple heirs, or a competing lien take longer.
Why do I need an attorney?
Releasing money from a Texas court registry takes a petition and a court order, which a non-law-firm can't file. We do the research; licensed Texas attorneys file it.
Find out if there is money waiting
Tell us the property and roughly when it sold. We check the sale, the payoff and the county record, and give you a straight answer — including when the answer is nothing.
- No cost and no obligation for the review
- We tell you the number before you commit to anything
- No deeds, no assignments, nothing signed over
- You owe nothing unless funds are recovered
Prefer email? info@overagedesk.com