The Only Non-Profit Profit Surplus Recovery Organization.
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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.
We exist for one reason: to make sure families get their rightful foreclosure and tax deed surplus funds back without being shaken down by for-profit “surplus chasers” who think your hardship is their payday. We’re structured as a nonprofit for one simple reason: to serve you, not ourselves.
When we discuss your situation, our first thought is how much of your money can we get back into your pocket, not how much we can get into ours.
Florida Statute section 45.033 states that the maximum amount a surplus chaser should ever charge for a foreclosure surplus recovery is 12%. That includes all fees. You should never sign a second agreement that pays an attorney, and you should never sign a flat-fee agreement. The point of those agreements is to charge more than 12% and hope no one does the math and notices. Finally, if someone knocks on your door and sayd they can save your home or tries to buy your surplus for a few thousand dollars, don’t sign the contract.
If you’ve fallen victim to one of these scams, reach out to us, and we’ll review the facts for free.
Hardee
Hendry
Hernando
Highlands
Hillsborough
Holmes
Indian River
Jackson
Jefferson
Lafayette
Lake
Lee
Leon
Levy
Liberty
Madison
Manatee
Marion
Martin
Miami-Dade
Monroe
Nassau
Okaloosa
Surplus Advocates is a Florida‑focused nonprofit dedicated to foreclosure surplus and tax deed surplus (excess proceeds/overages) recovery across all 67 counties.
We saw families and heirs confused by post‑sale paperwork while being bombarded by aggressive pitches. We built a mission‑driven, transparent alternative that puts consumers first.
To locate, verify, and recover surplus funds ethically and efficiently—prioritizing clarity, compliance, and respect throughout the process.
No pushy scripts, no surprise add‑ons, and no maze‑like contracts. Our nonprofit model emphasizes plain‑language agreements, clear fees, and documentation you can verify.
Statewide—Miami‑Dade, Broward, Palm Beach, Hillsborough, Orange, Pinellas, Duval, Polk, Lee, Pasco, Brevard, Seminole, Volusia, Sarasota, Manatee, Collier, Lake, Osceola, and every other county.
County‑by‑county know‑how with Clerk of Court and Tax Collector workflows, surplus ledgers, docket tracking, heir research, and coordination when legal issues arise (e.g., liens or competing claims).
Yes. Our process is built around Florida Statutes Chapters 45 and 197 (judicial foreclosures and tax deed distributions), with meticulous records and timelines for each county’s procedures.
Owners of record at the time of sale, heirs/estates, and entities such as LLCs and trusts, including out‑of‑state families and personal representatives.
No upfront fees. We charge a clearly disclosed contingency‑based administrative fee that applies only when funds are released. Our goal is to push for-profit bad actors out of this at-risk service area, and we will beat any quoted fee.
Secure intake, identity verification, and restricted document sharing. We keep sensitive data off open channels.
Accuracy, transparency, and compassion. If a company pressures you to sign fast, hides fees, or can’t show written proof—those are red flags we help clients avoid.
Attorneys are prohibited from calling or approaching a potential client to seek their business. Additionally, attorneys cannot pay someone else to do these things for them. They also can’t pay commissions or share fees with non-attorneys.
As a result, if you’re being directly contacted by someone claiming to be an attorney or working for an attorney, they are very likely violating rules of professional conduct which could subject the attorney to professional discipline.
Call or text 407‑SURPLUS, or send the property address/case number through our secure contact form. We’ll confirm eligibility and outline next steps for your county.
© 2025 Surplus Advocates, Inc.
A Delaware Non-Profit Organization
All Rights Reserved
