How Long Does It Take to Get Surplus Funds in Hillsborough County?

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Typically sent out 30 to 90 days after filing.

If your home in Hillsborough County, Florida, has recently gone through foreclosure, and the auction brought in more than what was owed — you may be entitled to surplus funds. A common question we hear is: How long does it take to actually receive the money?

What Can Delay the Process?

• Heirs contesting ownership

• Improper filing or documentation

• Disputes from lienholders

How We Help Speed It Up

At Visionary Surplus Recovery, we handle the paperwork, court filings, and legal coordination to maximize your claim and minimize delays.

Don’t guess — let us do the heavy lifting.

Reach out today to learn if you’re owed money and how fast you could receive it. Contact Us

Typical Timeline for Surplus Funds in Hillsborough:

1. Foreclosure Sale Date – The process begins once the sale is completed.

2. Disbursement of Funds to Creditors – The mortgage holder is paid first, followed by any subordinate liens.

3. Surplus Declared by Court – If there’s money left, the court officially declares a surplus.

4. Claim Filing – Homeowners (or their representatives) file a motion or claim for the surplus.

5. Processing & Review – The court reviews the claim, verifies parties, and ensures no disputes exist.

6. Distribution – If no objections are filed, the check is typically sent out 30 to 45 days after filing.

Frequently Asked Questions – Surplus Funds in Hillsborough County

• How long does it usually take to receive surplus funds in Hillsborough County?

  Most surplus fund claims in Hillsborough County take between 4 to 8 weeks from the time a complete and valid claim is submitted to the Clerk of Court. However, delays can occur if there are disputes, multiple claimants, or probate issues involved.

• Who is eligible to claim surplus funds in Hillsborough County?

  The owner of record at the time of the foreclosure judgment, their heirs, or certain lienholders (depending on lien priority) may be eligible to claim surplus funds.

• Do I need an attorney to file a claim for surplus funds?

  While an attorney is not always required, having professional representation can help ensure the claim is filed correctly, reduce delays, and protect your rights if there are challenges or objections.

• Where do I file the claim for surplus funds in Hillsborough County?

  You must file your claim through the Hillsborough County Clerk of Court, typically in the same case file where the foreclosure judgment was entered.

• What documents are required to claim surplus funds?

  You will typically need:

  • A completed Claim for Surplus Funds form

  • Proof of identity

  • Proof of interest in the property (e.g., deed, will, or probate documents)

  • Any relevant legal filings or court orders if you're claiming on behalf of an estate

• What happens if multiple people claim the surplus funds?

  If there are competing claims (e.g., multiple heirs or lienholders), the court may hold a hearing to determine who is legally entitled to the funds. This can delay the release until a ruling is made.

• Can surplus funds expire or go unclaimed?

  Yes. If no one claims the surplus funds within a certain time (often 1 year in Florida), the funds may be transferred to the State of Florida as unclaimed property. You can still apply through the state after that, but the process becomes more complicated.

• How can I check if I’m owed surplus funds from a sale in Hillsborough County?

  Contact our team at Visionary Surplus Recovery. We’ll verify if funds are available for you at no cost or obligation.

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