Field Guides
Surplus recovery, explained straight.
Operator-to-operator guides on foreclosure surplus leads and surplus funds recovery: how excess proceeds and overage leads actually work, what separates a skip-traced lead from a spreadsheet row, and how to get paid on Florida surplus funds. Statute-grounded, no guru math.
June 18, 2026
Florida Foreclosure Surplus Funds, Explained Plainly (Ch. 45, sec. 45.032 and 45.033)
A plain, statute-grounded guide to Florida foreclosure surplus funds. Get the two clocks right: the owner's 1-year window (sec. 45.032) and the 60-day assignment filing deadline (sec. 45.033). For recovery operators.
Read the guideJune 25, 2026
Is Surplus Funds Recovery a Scam? A Straight Answer You Can Send a Homeowner
Are surplus funds recovery companies a scam? Some are, most legit ones are not. Here are the real red flags, the Florida statutes that protect you, and the 12% rule.
Read the guideJune 12, 2026
What a Surplus Lead Actually Is (and Why a County PDF Is Not One)
Learning how to find surplus funds leads starts with one truth: a county PDF is not a lead. Here is the manual chain from docket to dial, and what "call-ready" really means.
Read the guide