Welcome

Going through a mortgage foreclosure can be a very difficult experience to deal with. At Silver Lining Relief, we understand that life can be unpredictable and, when it comes to losing your home, can leave you feeling overwhelmed.

But as a former homeowner you may be entitled to receiving funds from your county/state from what's called an excess proceed or surplus fund! What is a surplus fund you may ask? A surplus fund is the difference between sales proceeds from a property that has gone into auction and the debt amount previously owed leaving a "surplus" owed to the previous owner.

As a committed asset recovery provider, we specialize in locating and retrieving unclaimed funds on your behalf. Our process is simple, transparent, and hassle-free. We handle all the research, paperwork, and legal steps necessary to reunite you with what’s rightfully yours—with no upfront costs or no hidden fees.

Contact us at Silver Lining Relief to see how we can help you today!

<Varies per state. Not all states in the U.S legally permit the retrieval of surplus funds!>

Foreclosure

When a property goes into foreclosure, lenders seeking to reclaim the remaining balance will file notices such as auction notices to sell the property. Interested buyers are required to pay a deposit to participate in the auction. The buyer who bids the highest can pay by either in cash or certified funds and will receive a trustees/sheriffs deed. In the event no buyer puts a bid higher than the opening bid, the property goes back to the ownership of the lender, becoming what's called a Real-Estate Owned (REO).


Reclaiming Asset

Most people aren't aware or even believe that they're owed funds from the sale of their property. As an asset recovery provider, our job is to help notify and assist people in reclaiming what's rightfully theirs. This process typically involves filing numerous documentations which may include proof of ownership document, a claim form, tax deed document, a death certificate in some cases and various other forms which we handle. The requirements vary by state and not all states permit the recovery of surplus funds.

Surplus Fund Claim

The process of receiving a surplus fund can take weeks to months to process. At this stage, we follow-up with all the claimants, county or State Treasury department and attorneys to keep you updated on new developments. Upon receipt, we will then take a small negotiable fee (up to 20%) as stated on our agreement form as payment for our services.