Falling behind on mortgage payments can feel overwhelming — especially when you're unsure of your options or what comes next. Pre-foreclosure and foreclosure can bring stress, uncertainty, and financial strain, but you don’t have to face it alone.

 

At TYDE Associates, we understand the emotional and financial toll this process can take. That’s why we’re here to guide you every step of the way.

 

Our team connects you with the right resources — including real estate experts and surplus fund recovery specialists - us!

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​INITIATING THE SURPLUS FUNDS

RECOVERY PROCESS

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If your home has been sold at auction and you're interested in filing a claim for any potential surplus funds, our team would be happy to walk you through how the process works and assist you.

 

 

Filing a surplus funds claim is not as simple as filling out a form—it involves strict legal procedures, deadlines, and potential obstacles that could cause delays or result in a denied claim.

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• Complexity: Many homeowners don’t know where to start. Every state has different laws regarding surplus funds, and claimants must follow the correct steps, provide proper documentation, and often deal with government agencies or courts.

• Time Sensitivity: There are deadlines to file a claim, which vary by state. If you miss the deadline, you risk losing your money permanently.

• Potential Challenges: Claims may be contested by creditors, require court approvals, or demand extensive paperwork to prove ownership and eligibility. Without the right approach, your claim could be delayed or denied.

 

We know the legal process inside and out. Our team ensures that all documents are filed correctly and on time, increasing your chances of a successful recovery.

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Navigating Legal Paperwork is Confusing – We Handle the Process So You Don’t Have To

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The legal paperwork involved in surplus funds recovery is often technical, overwhelming, and filled with legal jargon

that can be difficult for the average person to understand.

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• Understanding Legal Requirements: Claimants must submit affidavits, court petitions, and supporting documentation that proves they are entitled to the surplus funds. One small mistake or missing document can result in delays or outright rejection.

• Government and Court Filings: In some cases, claims must be filed through a court system, requiring legal motions or hearings. Without experience in legal filings, navigating this process can be frustrating and time-consuming.

• Creditors & Third-Party Claims: If other parties (such as lienholders or debt collectors) try to claim a portion of the funds, you may need to defend your claim.

 

We handle everything for you—from gathering required documents to filing claims with the appropriate agencies and courts. Instead of spending weeks or months trying to figure it out alone, you can rely on our expertise to ensure a smooth, stress-free process.

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FAQs:

Q: What if I’ve never received a notice?
A: You may still be entitled to funds. We can help verify if a surplus exists under your name.

Q: How long does it take to get surplus funds?
A: Every case varies, but most are processed within 30–90 days once the claim is submitted.

Q: Is this a scam? Why haven’t I heard of this before?
A: Surplus funds are a legal right, but many people simply aren’t aware of them. We’re a licensed business with real clients and real results.

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Let’s Reclaim What’s Rightfully Yours
Your foreclosure may have closed one chapter — but it doesn’t have to end your financial story. We’re here to help you move forward.