HEARTHAVEN SOLUTIONS
Committed to integrity and expertise, HeartHaven Solutions turns unclaimed funds into realized abundance.
Lost Funds
Found Fast.
HeartHaven Solutions specializes in recovering surplus funds from tax sales and foreclosures. With a seamless and transparent process, we handle the complexities, paperwork, and stress of reclaiming lost funds.
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What are surplus funds?
Selling price at auction - delinquent property taxes = surplus funds
Surplus funds also known as tax overages or excess proceeds, are money left over after a property is sold at a foreclosure or tax lien auction.
When a property is auctioned for more than the amount owed in taxes, mortgage debt, or other liens, the extra money— belongs to the previous owner.
After the lien issuer is paid back..
and the property is sold..
the difference BELONGS TO YOU!
How it works
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Clients are sourced from public county records. From here our team of experts reaches out to potencial claimants to notify them of funds and educate them on the process. If the claimant would like to proceed a Surplus Funds Recovery Agreement is signed. This acts as a contract to protect claimants and contractors. It signifies that we have permission to file a claim on your behalf and retain a 30% finders fee only after you receive your funds. Our services are completely risk free with zero upfront cost!
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Our team will then work with the county holding the surplus to obtain any documents required for approval. This can include a surplus claim form, probate documents, death certificates and w-4s. The documents required can vary greatly from county to county, our attorneys ensure all requirements are fulfilled and documentation is accurate. From here we will set up an online or in-person notary (if required by the state and/or county) and do a final check before submitting to the state.
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After documents are accepted by the county, payments are typically sent via check or electronic wire transfer from the county to the claimant who is then invoiced for our services. Some counties may distribute payment to both parties initially. The details for your specific claim are outlined on the Surplus Funds Recovery Agreement Form.
FAQ
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At HeartHaven Solutions we have absolutely zero upfront costs. H.H.S will retain a 20 - 30% finders fee dependent on the complexity of your case and local regulation only after you receive your funds. We don’t get paid unless you do!
Depending on the state the claim is filed in we may require the assistance of a legal professional, however, we cover all fees associated with filing including legal fees and notaries.
Woohoo!
HeartHaven Solutions may also work cases pro - bono where third party fliers are not permitted. Providing life changing assistance to victims of foreclosure is incredibly fulfilling, and while donations are accepted and encouraged for our teams diligent work, they are not required.
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Yes! Claiming excess proceeds are 100% legal! Don’t just take our word for it!
Below you’ll find the links to the specific legal code permitting the retrieval of surplus funds for all 50 states.
We want to ease any hesitation you may have before working with us. Please feel free to reach out with any questions you may have.
State / Statute / Authority Short Note
AlabamaAla. Code § 40-10-28 Governs surplus funds after tax sale; procedure and redemption periods.
ArizonaA.R.S. § 33-812; A.R.S. § 42-18236 Disposition of excess proceeds from trustee/tax sales; claim procedures and unclaimed monies.
ArkansasArk. Code Ann. § 14-21-106 County handling of excess proceeds from tax sales; state maintains portal of unclaimed funds.
CaliforniaCal. Rev. & Tax. Code § 4674 Governs “excess proceeds” from tax sales; counties notify claimants.
ColoradoC.R.S. § 39-10-111.5 Addresses surplus from tax lien sales and claimants’ rights. ConnecticutConn. Gen. Stat. § 12-157 Tax collector’s sales; excess proceeds deposited with the court for distribution.
FloridaFla. Stat. § 197.582 Surplus funds from tax deed sales; claim procedures and clerk responsibilities.
GeorgiaO.C.G.A. § 48-4-5 Governs excess funds after tax sales; former owner/mortgagor entitled. HawaiiHRS § 667-3 Foreclosure procedures including surplus proceeds.
IdahoIdaho Code § 31-808 Directs counties on handling excess proceeds from tax deed sales; unclaimed to state treasurer.State Statute / Authority Short Note
Illinois35 ILCS 200/21-395 Governs surplus from tax sales; excess proceeds held by county and claimable by interested parties.
IndianaInd. Code § 6-1.1-24-7 Disposition of surplus from tax sales; claim procedures and deadlines.
IowaIowa Code § 446.20 Provides for handling surplus funds from tax sales; distributed to lienholders/owners.
KansasKan. Stat. Ann. § 79-2803 Surplus from judicial tax foreclosure sales; court directs distribution.
KentuckyKy. Rev. Stat. § 426.705 Relating to judicial sales and distribution of surplus proceeds.
LouisianaLa. R.S. § 47:2196 Addresses surplus funds from tax sales; unclaimed funds remitted to state.
Maine36 M.R.S. § 943 Governs lien foreclosures; disposition of sale proceeds and excess.
MarylandMd. Tax-Prop. Code § 14-818 Details distribution of surplus proceeds from tax sales.
MassachusettsMass. Gen. Laws ch. 60, § 77B Distribution of proceeds from tax title foreclosure sales; court-supervised.
MichiganMich. Comp. Laws § 211.78t Governs distribution of surplus proceeds from property tax foreclosures.
MinnesotaMinn. Stat. § 282.08 Specifies allocation of proceeds from tax-forfeited land sales; includes surplus handling.
MississippiMiss. Code Ann. § 27-45-27 Disposition of surplus funds from land sold for delinquent taxes.
MissouriMo. Rev. Stat. § 140.230 Addresses surplus from tax sales; claimable by owner or lienholders. State Statute / Authority Short Note
New MexicoN.M. Stat. Ann. § 7-38-66 Governs distribution of surplus proceeds from property tax sales; claimable by property owner.
New YorkN.Y. Real Prop. Acts. § 1354 Foreclosure surplus handled by referee/court; distribution to mortgagor or junior lienholders.
North CarolinaN.C. Gen. Stat. § 105-374(i) Provides for distribution of surplus funds after tax foreclosure sales.
North DakotaN.D. Cent. Code § 57-28-20 Governs proceeds of tax foreclosure sales; surplus payable to property owner.
OhioOhio Rev. Code § 5721.20 Surplus proceeds from foreclosure sales distributed by court to owner or lienholders.
Oklahoma68 O.S. § 3131 Disposition of surplus from tax sales; owners may claim excess.
OregonORS § 275.275 Governs proceeds from tax-foreclosed property sales; surplus held for claimants.
Pennsylvania72 P.S. § 5860.626 Judicial sale surplus handled by court; paid to owners/lienholders.
Rhode IslandR.I. Gen. Laws § 44-9-40 Distribution of surplus from tax sales after redemption period.
South CarolinaS.C. Code Ann. § 12-51-130 Surplus proceeds from tax sales payable to defaulting taxpayer or estate.State Statute / Authority Short Note
South DakotaS.D. Codified Laws § 10-23-8 Governs distribution of surplus proceeds from tax deed sales; balance paid to former owner.
TennesseeTenn. Code Ann. § 67-5-2702 Provides for recovery of excess proceeds from delinquent tax sales.
TexasTex. Tax Code § 34.02 Surplus proceeds from tax foreclosure sales held by clerk; claimable by owner.
UtahUtah Code § 59-2-1351.1 Governs excess funds from tax sales; county treasurer holds for claimants.
Vermont32 V.S.A. § 5255 Distribution of surplus proceeds from tax sales to former property owner.
VirginiaVa. Code Ann. § 58.1-3967 Circuit court oversees tax sales; surplus proceeds distributed to owner/lienholders.
WashingtonRCW 84.64.080 Governs foreclosure sales; surplus funds remitted to property owner or lienholder.
West VirginiaW. Va. Code § 11A-3-44 Addresses surplus proceeds from sheriff’s tax sales; claimable by owner.
WisconsinWis. Stat. § 75.36 Governs distribution of surplus from tax deed sales; excess funds to former owner.
WyomingWyo. Stat. § 39-13-108 Provides procedures for handling excess proceeds from tax lien sales.
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The amount of time it takes to receive your funds after filing greatly depends on the complexities of each case. HeartHaven Solutions will work diligently to provide concrete time frames and expedite processing when possible. Typically they are received between 5 - 10 business days some may take up to 30 days.
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When a property is sold at auction and a surplus fund is realized the county is legally obligated to send just one letter to the last known address of the homeowner. Oftentimes the homeowner never receives this information since they are no longer at the property. Unfortunately, the county is not obligated to verify that the previous owner is aware of their surplus funds. That is why HeartHaven Solutions has made it our mission to seek out claimants and liberate them through unrealized wealth.
Contact us
We want you to feel empowered while walking through this process with us. Please share any questions or concerns you may have below and one of our agents will reach out as soon as possible. Prefer a call, text, or email back? Let us know and we would be happy to meet your needs!