Your Money
Is Waiting.
After a foreclosure sale in Florida, any surplus belongs to you — the former property owner. We recover it with no upfront cost.
How Recovery Works
Built on Integrity
Every fee is capped by Florida statute. Every case is handled with full transparency.
Legally Compliant
Every case follows FL Statute 45.033 and FL Ch. 717. Our fee is capped by law — never a penny more.
Secure Platform
Built on PCI-compliant infrastructure. Your data is encrypted, funds tracked, and every action audited.
No Lawyer Required
We handle all legal filings and court proceedings. You're welcome to consult one, but you don't need to.
Zero Upfront Cost
We only get paid when you get paid. Our 12% contingency fee comes from the recovered surplus only.
Families We've Helped
Real families. Real recoveries.
Every case represents a family getting back what's rightfully theirs.
$26,400
Recovered
“My house sold at auction two years ago and I just moved on. A friend mentioned this and I honestly thought nothing would come of it. They found $26,400 sitting in the court registry. I didn't even know that was a thing.”
Carla M.
Miami-Dade County
$45,800
Recovered
“Lost our home in 2021. Between that and everything else going on, I wasn't in a headspace to chase money. PayHeld did all of it — filed, waited, followed up. I just signed a couple of papers. Got $45,800 back.”
James R.
Broward County
$158,000
Recovered
“My mom passed right after the foreclosure closed and I was the one handling her estate. I had no idea there was surplus money. These guys found it, filed for it, and we got $158,000 back. That changed everything for our family.”
Sandra & Luis V.
Miami-Dade County
$47,900
Recovered
“I tried doing this myself first. Spent three weeks getting nowhere with the clerk's office. PayHeld had everything filed within days. The $47,900 showed up in my account two months later.”
Marcus B.
Palm Beach County
$218,000
Recovered
“Honestly I was sure it was a scam. My neighbor told me about it and I was ready to hang up. But they explained the fee upfront and said there's no cost if nothing comes through. They were right — $218,000 came through.”
Elena T.
Miami-Dade County
$52,000
Recovered
“I'm on a fixed income and the foreclosure wiped me out. I didn't even know to ask if there was money left over. PayHeld found $52,000 waiting in the court registry. I cried when the check came. I'm not embarrassed to say that.”
Dorothy K.
Hillsborough County
$31,100
Recovered
“We moved to Georgia after losing the house in 2022. Never thought to check if there was surplus. PayHeld handled everything from a distance — I never had to travel back to Florida. Got $31,100 back.”
Andre & Monique J.
Broward County
$31,000
Recovered
“The foreclosure was 2019. I had no idea there was a 5-year window to claim this money. PayHeld found $31,000 in a case I'd completely forgotten about. Had no idea these funds just sit there waiting.”
Patricia O.
Orange County
$561,000
Recovered
“I'm a single mom. Losing that house was brutal. Getting $561,000 back — I still can't wrap my head around it. The property had a lot of equity. PayHeld recovered every cent the law allows.”
Yolanda F.
Miami-Dade County
$47,900
Recovered
“Mi esposo y yo perdimos nuestra casa durante la pandemia. No sabíamos que había dinero esperándonos. PayHeld nos ayudó con todo. Recuperamos $47,900 — fue un alivio enorme para nuestra familia.”
Rosa & Miguel A.
Miami-Dade County
$26,100
Recovered
“They told me there were two liens that would need to be cleared first. I was worried the whole thing would fall apart. They sorted it out with the court and I still walked away with $26,100.”
Timothy N.
Lee County
$52,000
Recovered
“My brother referred me. His case got him $40k, mine got me $52k. Honestly just shocked this money was sitting there. The whole process took about 10 weeks.”
Kevin W.
Duval County
$26,400
Recovered
“My house sold at auction two years ago and I just moved on. A friend mentioned this and I honestly thought nothing would come of it. They found $26,400 sitting in the court registry. I didn't even know that was a thing.”
Carla M.
Miami-Dade County
$45,800
Recovered
“Lost our home in 2021. Between that and everything else going on, I wasn't in a headspace to chase money. PayHeld did all of it — filed, waited, followed up. I just signed a couple of papers. Got $45,800 back.”
James R.
Broward County
$158,000
Recovered
“My mom passed right after the foreclosure closed and I was the one handling her estate. I had no idea there was surplus money. These guys found it, filed for it, and we got $158,000 back. That changed everything for our family.”
Sandra & Luis V.
Miami-Dade County
$47,900
Recovered
“I tried doing this myself first. Spent three weeks getting nowhere with the clerk's office. PayHeld had everything filed within days. The $47,900 showed up in my account two months later.”
Marcus B.
Palm Beach County
$218,000
Recovered
“Honestly I was sure it was a scam. My neighbor told me about it and I was ready to hang up. But they explained the fee upfront and said there's no cost if nothing comes through. They were right — $218,000 came through.”
Elena T.
Miami-Dade County
$52,000
Recovered
“I'm on a fixed income and the foreclosure wiped me out. I didn't even know to ask if there was money left over. PayHeld found $52,000 waiting in the court registry. I cried when the check came. I'm not embarrassed to say that.”
Dorothy K.
Hillsborough County
$31,100
Recovered
“We moved to Georgia after losing the house in 2022. Never thought to check if there was surplus. PayHeld handled everything from a distance — I never had to travel back to Florida. Got $31,100 back.”
Andre & Monique J.
Broward County
$31,000
Recovered
“The foreclosure was 2019. I had no idea there was a 5-year window to claim this money. PayHeld found $31,000 in a case I'd completely forgotten about. Had no idea these funds just sit there waiting.”
Patricia O.
Orange County
$561,000
Recovered
“I'm a single mom. Losing that house was brutal. Getting $561,000 back — I still can't wrap my head around it. The property had a lot of equity. PayHeld recovered every cent the law allows.”
Yolanda F.
Miami-Dade County
$47,900
Recovered
“Mi esposo y yo perdimos nuestra casa durante la pandemia. No sabíamos que había dinero esperándonos. PayHeld nos ayudó con todo. Recuperamos $47,900 — fue un alivio enorme para nuestra familia.”
Rosa & Miguel A.
Miami-Dade County
$26,100
Recovered
“They told me there were two liens that would need to be cleared first. I was worried the whole thing would fall apart. They sorted it out with the court and I still walked away with $26,100.”
Timothy N.
Lee County
$52,000
Recovered
“My brother referred me. His case got him $40k, mine got me $52k. Honestly just shocked this money was sitting there. The whole process took about 10 weeks.”
Kevin W.
Duval County
Results vary by case. All recoveries subject to court approval.
Serving All 67 Florida Counties
With primary focus in South Florida's highest-volume surplus counties. If your property was in Florida, we can help.
All 67 Florida counties covered. No matter where in Florida your property was, we can help you recover what's yours.
Frequently Asked Questions
When a property is sold at a foreclosure auction for more than the outstanding mortgage and liens, the excess amount — called "surplus funds" — belongs to the former property owner. Many people don't realize this money exists or how to claim it.
Nothing upfront. We work on a contingency basis — we only get paid when you get paid. Our fee is capped at 12% of the recovered surplus under Florida Statute 45.033(3)(d).
Typical timelines range from 30 to 120 days depending on the county, case complexity, and court scheduling. We handle all the legal filings and court appearances — you just wait for your funds.
No. Our process is designed so you don't need your own attorney. We prepare all the legal documents, file the motions, and handle court proceedings. However, you are always welcome to consult your own legal counsel.
We perform a thorough lien search during our due diligence process. Any valid liens (tax liens, HOA liens, judgments) are addressed as part of the court filing. The surplus you receive is after all valid liens are satisfied.
We serve all 67 Florida counties, with primary focus on Broward, Palm Beach, Miami-Dade, Hillsborough, and Orange counties — Florida's highest-volume surplus markets.
Money could be
waiting for you.
If your property was sold at a foreclosure auction in Florida, there may be surplus funds in your name. It takes 2 minutes to check.
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