Pre Foreclosure

A pre-foreclosure occurs when a homeowner has fallen behind on mortgage or property tax payments and the property is at risk of foreclosure. Many individuals feel overwhelmed during this stage and are often unaware that they may still have time and options available before the property is sold.

At Let Us Help Legal Services, we help homeowners explore potential solutions that may assist in preventing foreclosure and protecting their financial future. Depending on the situation, assistance may include foreclosure defense resources, legal referrals, communication with lenders or agencies, and access to programs that may provide financial relief or assistance that does not need to be paid back.

Our goal is to help individuals understand every option available to them before it is too late. We believe no homeowner should have to navigate the foreclosure process alone.

EXCESS PROCEEDS / SURPLUS FUND

In some foreclosure or tax sale cases, properties are sold for more than the amount owed to the lender or taxing authority. When this happens, the remaining balance may become excess proceeds or surplus funds. In many situations, former property owners, heirs, or other interested parties may be legally entitled to recover those funds.

Unfortunately, many individuals never realize the money exists or do not understand the process required to claim it.

At Let Us Help Legal Services, we review foreclosure and tax sale cases to help determine whether compensation may be available based on the results of the sale. Our team assists clients in understanding their rights, reviewing the foreclosure process, and navigating the recovery process from start to finish.

If funds may be owed, we work to help ensure clients understand the steps necessary to pursue recovery.