A foreclosure sale can clear more than the debt owed. The extra — the surplus — belongs to the previous owner, and it sits with the court or county until someone claims it. This course covers the mechanism in plain language: mortgage vs tax sale, who is legally entitled, where the money is held, and why most owners never find out it exists.

One real recovery file, walked end to end: how it surfaced on a county list, how the record was verified, how the claimant was located and signed, what the attorney filed, and how it paid out. Names and numbers are redacted where they should be — the process is real everywhere else. This is what the work actually looks like.