The process begins with a simple conversation. Whether you're a former homeowner, an heir to an estate, or someone who has just learned your property sold at foreclosure, reach out to us and share what you know. You don't need to have any documents ready or understand the legal process — that's our job.

Once we hear from you, our team will quickly determine whether your case may involve unclaimed surplus funds and explain exactly what comes next, at no cost to you.

Our team immediately goes to work researching the foreclosure sale associated with your property. Using court records, foreclosure filings, and public databases, we verify whether surplus funds were generated — meaning the property sold for more than the total amount owed — and confirm that those funds are currently held in the court registry.

This investigation is thorough and entirely handled by us. You won't need to dig through paperwork or navigate court systems on your own.

Surplus funds are deposited directly with the court after a foreclosure sale. They don't disappear — but they won't be sent to you automatically either. Someone has to file the right legal paperwork to release them.

Establishing who is legally entitled to the funds is a critical step. Our team uses public records, probate filings, title research, and other documentation to verify your identity and your rightful standing as the claimant. If the original homeowner is deceased, we work with heirs and estates to determine the proper parties.

We handle the research carefully and completely, so that when the claim is filed, the court has everything it needs to recognize you as the rightful recipient.

Before any legal work begins, we walk you through a straightforward contingency agreement. This document authorizes Visionary Surplus Recovery and its network of attorneys to pursue the claim on your behalf — and it means there are no upfront fees of any kind. You pay nothing unless funds are successfully recovered.

We want you to feel confident and fully informed before signing anything. Our team is happy to answer every question you have about the agreement and what to expect from the process ahead.

No upfront costs. No out-of-pocket expenses. Our fee is only collected as a percentage of the funds we recover for you — so our success is tied directly to yours.

Once the agreement is signed, our attorneys take the lead. They prepare and file all required legal motions with the court, respond to any procedural requirements, and coordinate with all parties involved — including the court clerk, any lienholders, and other potential claimants who may have a stake in the funds.

Every detail is managed by qualified legal professionals who know Florida's surplus funds statutes and court procedures. Your claim is positioned as clearly and compellingly as possible to move toward approval.

Once the judge signs the order approving the claim, the court releases the surplus funds. Your portion is then sent directly to you via ACH wire transfer or check — whichever you prefer. The timeline varies depending on the court's schedule and case complexity, but our team keeps you informed at every stage so you're never left wondering where things stand.

For many of our clients, receiving these funds comes as a genuine relief — money they didn't know existed and never expected to see. That moment is exactly why we do this work.