When a foreclosure or tax deed sale in Osceola County, Florida brings in more than the debt owed, the leftover is a surplus. Those funds may belong to you.
In Kissimmee, St. Cloud, and across Osceola County, many residents are bombarded by for-profit surplus recovery companies offering quick cash in exchange for high-percentage fees. Surplus Advocates provides a safer choice. As a nonprofit surplus recovery firm, we protect families, charge only fair nonprofit-based contingency fees, and handle the process ethically.
Start Your Free Review
Call 407‑SURPLUS (407‑787‑7587) or begin online to request a confidential case review. No upfront costs. No out of pocket costs. No fee at all unless you recover.
Kissimmee • St. Cloud • Celebration • Poinciana • Buenaventura Lakes • Harmony
People First: Our nonprofit mission is to protect homeowners and heirs.
No Upfront Payments: You pay nothing unless recovery is successful.
Local Court Knowledge: Familiar with Osceola filings and court procedures.
Respectful Communication: No harassment, just straightforward help.
Confidential Process: Your data is always secure.
Osceola is one of Florida’s fastest-growing counties, driven by tourism, development, and population growth. With frequent foreclosure and tax deed sales, surplus funds are common—but so are disputes and missed deadlines.
Surplus Advocates manages the process, defends your surplus against sham claimants, and ensures your funds don’t slip away.
Kissimmee • St. Cloud • Celebration • Poinciana • Buenaventura Lakes • Harmony • and surrounding Central Florida communities.
✔ No upfront fees
✔ Nonprofit-based, transparent contingency agreements
✔ Respectful, ethical outreach — no pressure tactics
✔ Local focus and consumer-first mission
A surplus (also called excess proceeds or an overbid) is money left after a court‑ordered sale when the winning bid exceeds the amounts owed. Surplus Advocates helps eligible owners and heirs recover funds that may be owed to them.
Our nonprofit mission means client protection, lower nonprofit‑based fees, and no high‑pressure tactics. We focus on returning funds to the right people, not maximizing commissions.
No. There are no upfront costs. Our nonprofit‑based contingency fee applies only if we recover funds and are paid out of the court registry at the same time the rest of the surplus is disbursed.
Some cases wrap up quickly, but others depend on the court’s schedule and whether competing claims exist. We’ll guide you through the timeline.
Yes. We routinely assist Floridians who have moved or are out of state. We coordinate everything securely.
Most clients do not. We manage the process and advise you if any additional steps are needed.
Kissimmee • St. Cloud • Celebration • Poinciana • Buenaventura Lakes • Harmony • and surrounding Central Florida communities.
Call 407‑SURPLUS (407‑787‑7587) or request a confidential review online. We’ll confirm eligibility and outline next steps—no obligation.
It’s common to be solicited by multiple for-profit “surplus chasers.” Before you sign anything, talk with us—your nonprofit alternative. We’re not trying to get rich from your case, we can always beat any other advertised surplus recovery fee, there are no hidden fees or costs, and we never receive a dime unless you recover.
Yes—surplus claims made with the court must be made within certain timeframes. Acting quickly is essential not only to ensure the claim is timely filed before the money is turned over to the state, but also to make sure no one tries to abscond with the money.
Surplus Advocates is a collective of experienced agents and professionals who have identified problems in the ways surplus funds are overseen and administered.In the course of our collective professions, we have witnessed millions of dollars being stolen from homeowners, and millions more lost to exploitation and unlawful fees. Occasionally a crime ring will make the news, or an attorney will be sent to jail or disciplined, but the same loopholes and oversights have been exploited year after year.We formed Surplus Advocates as a non-profit to help foreclosed owners and to show that there is a way for a private organization to recover tax deed and foreclosure surplus funds for owners without any additional cost to the government, and without engaging in exploitative practices. Unlike for-profit surplus chasers, who frequently only try to track down owners they can get the largest fees from, our goal is to help anyone, whenever possible, without charging any out of pocket fees. We then use the fees and costs we receive from the court registry to further our mission, rather than line our pockets.
© 2025 Surplus Advocates, Inc.
A Delaware Non-Profit Organization
All Rights Reserved
