RECOVER YOUR LOST FUNDS TODAY
Brown 2nd Chance Recovery
Recover Your Surplus Foreclosure & Bankruptcy Funds—With Integrity and Compassion
We help individuals and families recover the funds they may be legally entitled to after a foreclosure or bankruptcy. With professionalism, experience, and care, Brown 2nd Chance Recovery is your trusted partner in reclaiming what’s rightfully yours.
At Brown 2nd Chance Recovery, we partner with individuals and families impacted by foreclosure or bankruptcy. Many people don’t realize they may be owed surplus or overage funds after their property is sold. We help you identify these funds and guide you through the recovery process—handled with integrity, clarity, and compassion every step of the way.
What Are Surplus and Overage Funds?
Surplus funds are the proceeds remaining after a home is sold at a foreclosure auction and all debts and obligations have been satisfied. If there is money left over, it belongs to the former property owner—but many never claim it.
Surplus Funds
Bankruptcy overages occur when funds remain after all creditors have been paid through a bankruptcy proceeding. Like surplus funds, these overages are often unclaimed by those who are rightfully entitled to them.
Who Gets Paid First?
If surplus funds exist, they are distributed in this general order:
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Primary mortgage lender
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Property tax liens
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IRS liens or other federal obligations
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Judgment creditors (if applicable)
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The former property owner (you)
Many people don’t realize these funds belong to them.We’re here to make the recovery process clear, legal, and stress-free
Bankruptcy Overages
Why Choose Brown 2nd Chance Recovery?
We believe everyone deserves a second chance—and a fair shot at reclaiming what’s rightfully theirs.
Over 5 years of experience in asset and fund recovery
Personalized, one-on-one client support
Transparent, no-upfront-fee process
Legally compliant, attorney-reviewed procedures
Proven track record of successful recoveries