Have questions about surplus funds in Indiana? We’ve answered the most common ones below to help you understand your rights, the process, and how National Equity Agency can help you recover what’s yours.
Surplus funds are the leftover money from a foreclosure sale when the winning bid exceeds the total amount owed on the mortgage, liens, and court costs. In Indiana, these funds are typically held by the county clerk or sheriff’s office and are available for claim by the former property owner or legal heirs.
We track foreclosure auctions and sheriff’s sales across Indiana and can determine whether surplus funds were generated by comparing the winning bid to the total debt owed. Contact us and we’ll verify it for you at no cost.
Each county has different timelines, but generally, surplus funds must be claimed within a specific period or they may be transferred to the Indiana Attorney General’s Unclaimed Property Division. The sooner you act, the better.
No. While some choose to hire legal counsel, our agency handles the process from start to finish—including legal filings—with no upfront cost. We only take a fee if funds are successfully recovered.
Yes. If the homeowner is deceased, verified heirs can recover surplus proceeds. We assist with affidavits of heirship, probate documents, and all necessary filings to establish your right to claim.
You can still claim surplus funds remotely. As long as you are the legal owner or heir, we can assist you regardless of your current location.
If you’ve received a notice about surplus funds, that’s a great sign. However, the process can still be complicated. We can step in and handle the paperwork and communication with the court to ensure you get your funds quickly and correctly.
Yes. If deadlines are missed or incorrect documents are filed, your claim may be denied. We work to prevent that by managing the entire process on your behalf.
Our Indiana surplus fund specialists are standing by to help. Whether you’re unsure about eligibility, timelines, or documentation—we’ve got answers.
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