Behind on Your Mortgage? Don’t Let Foreclosure Catch You Off Guard.

If you’re struggling to make mortgage payments, foreclosure might already be underway—or just around the corner. It’s a stressful, confusing time, and it’s easy to feel like you’re out of options. But the truth is: you still have choices. And if your property ends up being sold, you may be owed money from that sale.

At Visionary Surplus Recovery, we help Florida homeowners understand their legal and financial options—and when foreclosure can’t be stopped, we help you recover the surplus funds that may be rightfully yours.

Call us today at (813) 934-4146 for a free, no-obligation consultation.

Know What to Do Before It’s Too Late

When facing foreclosure, many people focus only on the loan—but miss the bigger picture. You need to understand:

🔹 Your Immediate Options
There are multiple paths forward—some that help you keep your home, others that help you exit strategically:

• Reinstatement

• Loan Modification

• Forbearance

• Short Sale or Sell Before Auction

• Deed-in-Lieu

• Bankruptcy

• Payoff or Short Payoff

• And more...

We’ll help you understand what applies to you—and what to avoid.

Understand the Legal Side: The Court Case

Foreclosure is not just a notice from the bank—it’s a lawsuit filed in court. You have a right to respond and fight back, but time is limited. Even if the foreclosure goes through and your home is sold, the story might not be over.

If the sale generates more than what you owed, that extra money—called surplus funds—belongs to you. But you must take action to claim it, or it could be lost.

Let’s Break It Down: Your Next Moves

1️⃣ Call us at (813) 934-4146
We’ll review your situation and tell you whether surplus funds may be available—or what foreclosure options you still have.

2️⃣ Understand your strategy
Whether you want to keep the home or walk away with money, we’ll help you map it out.

3️⃣ Let us take the pressure off
Our team—working with experienced attorneys—can step in and handle the court process or surplus recovery paperwork for you.

4️⃣ Move forward with clarity and confidence
No guesswork. No upfront fees. Just a clear path forward.

Visionary Surplus Recovery
Helping Florida homeowners protect what’s theirs—before and after foreclosure.
📞 (813) 934-4146