Step-by-Step: How Surplus Funds Are Recovered in Indiana

Wondering how the surplus fund process actually works? This guide walks you through every step of recovering foreclosure surplus funds in Indiana—from sale to check in hand.

Our 7-Step Surplus Funds Recovery Process

1. Sale Occurs: Property is sold at sheriff’s sale for more than what’s owed on the mortgage, liens, and fees.
2. Surplus Identified: We confirm the overage amount by reviewing the sale certificate and court docket.
3. Ownership or Heirship Confirmed: We verify who’s entitled to the funds—either the prior homeowner or legal heirs.
4. Legal Documents Prepared: Our legal team drafts surplus claims, motions, affidavits, and any necessary probate forms.
5. Filing with County Court: Documents are submitted directly to the clerk or judge assigned to the surplus distribution.
6. Response or Review: We track objections, hearing dates, or notices of disbursement to avoid any delays.
7. Funds Released: The surplus funds are paid by check or direct deposit to you—the rightful claimant.

How Long Does It Take?

Each Indiana county operates on its own timeline, but most successful claims are completed within 30 to 90 days. Complex estate cases or creditor objections may take longer, but we always keep you updated.

Avoid These Common Pitfalls

• ❌ Missing the claim deadline
• ❌ Filing incomplete or incorrect paperwork
• ❌ Overlooking small creditor claims that delay disbursement
• ❌ Not proving heirship properly

That’s why our legal and admin team handles every detail.

Why Our Clients Trust This Process

• Clear Communication: We explain what’s happening at every stage.
• Reliable Legal Help: You’re backed by attorneys without paying hourly fees.
• No-Risk Service: You only pay if we recover money for you.
• Fast Filings: Our team files within days of verifying your case.

Start the Process Today

If your Indiana property sold at auction, don’t wait. Our 7-step process helps you recover what’s rightfully yours without stress or risk.