Every year in Palm Beach County, homes and properties are sold at foreclosure or tax deed auctions. When a winning bidder pays more than the debt, the difference becomes what’s called a surplus. That money doesn’t belong to the lender or the buyer—it may belong to you.
But here’s the problem: for-profit “surplus chasers” aggressively contact former owners with high-pressure pitches and inflated fees. That’s why Surplus Advocates exists. We are a Florida-based nonprofit organization, committed to helping Palm Beach families and heirs recover their rightful funds ethically, securely, and at a fair nonprofit-based fee.
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Start Your Free Review
Call 407‑SURPLUS (407‑787‑7587) or begin online to request a confidential case review. No upfront costs.
Palm Beach County • West Palm Beach • Boca Raton • Delray Beach • Boynton Beach • Jupiter • Palm Beach Gardens • Wellington • Lake Worth Beach
Mission First, Not Profit First
Our only goal is to return money to rightful owners. For-profit companies focus on maximizing commissions.
Transparent, Nonprofit-Based Fee
You’ll never pay upfront. Our contingency fee is clearly stated and capped by nonprofit principles.
No High-Pressure Sales Tactics
We don’t hound you with robocalls or scare tactics. We inform, protect, and serve.
Local Experience
We know Palm Beach County’s courts and procedures, from West Palm Beach to Boca Raton, Jupiter to Belle Glade.
Privacy & Security
Your information stays confidential. We don’t sell or trade your personal data.
When a foreclosure or tax deed auction in Palm Beach County brings in more money than the debt owed, the leftover balance becomes a surplus (also called “excess proceeds” or an “overbid”).
Recovering these funds isn’t as simple as it sounds—it requires filings, deadlines, and court compliance. That’s where Surplus Advocates steps in: we handle the process from start to finish so you don’t have to navigate the legal maze.
Confirm Eligibility — We review whether surplus funds exist in your name.
Handle the Paperwork — Court filings and documentation are done properly and on time.
Defend Against Competing Claims — If multiple parties try to claim the funds, we protect your interests.
Secure & Private Process — We safeguard sensitive information at every step.
Nonprofit-Based Contingency — You pay nothing upfront, only if we succeed.
Clear Communication — We keep you updated without confusing legal jargon.
From the coastal towns to the Glades communities, Surplus Advocates proudly serves every corner of Palm Beach County:
West Palm Beach • Boca Raton • Delray Beach • Boynton Beach • Jupiter • Palm Beach Gardens • Wellington • Lake Worth Beach • Royal Palm Beach • Riviera Beach • Greenacres • Belle Glade • Pahokee • South Bay • Palm Springs • Lantana • Lake Park • Tequesta • Juno Beach • Highland Beach • Manalapan • Ocean Ridge • South Palm Beach • and more.
You will never pay upfront.
You’ll always know the fee before we begin.
You’ll be treated with dignity, not pressured.
Your information stays private.
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.
Timelines vary by case, court queues, and any competing claims. Some matters resolve in weeks; others take longer. We keep you informed throughout.
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.
All communities countywide, including the cities and neighborhoods listed above.
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.
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
