Tax-sale surplus
Potential funds remaining after a property tax sale and the required amounts are paid.
Your Surplus Recovery Advocate
What’s owed to you
is found.
A tax sale, mortgage foreclosure, or other sale may leave money behind. Owed & Found Recovery Services helps identify potential surplus funds and guides you through the next steps toward a claim.
Contact RhoniA real person. A clear conversation. One step at a time.
Understanding surplus funds
A sale can leave
a balance behind.
When a property is sold through certain tax or foreclosure proceedings, there may be proceeds left after the required amounts are paid. Those remaining proceeds are often called surplus funds or overages.
Whether money is available—and who can claim it—depends on the sale, the records, and the applicable requirements. We begin with the details of the individual case. Our focus includes tax-sale surplus, mortgage-foreclosure surplus, and other potential surplus proceeds.
Funds we research
All surplus funds.
One personal approach.
Foreclosure surplus
Potential proceeds remaining after a mortgage foreclosure sale and the required debts and costs are paid.
Other surplus funds
Other potential surplus proceeds are reviewed individually to determine the source of the funds and the appropriate next steps.
Our process
Clarity at every step.
Review the records
We research public sale records and available fund information, then check the property, sale details, and office responsible for the potential surplus.
Discuss your situation
We explain what the records show, discuss your connection to the property, and identify information that may be needed to support a claim. Former owners, heirs, and other parties may have different requirements.
Plan the claim process
If you choose to work with us, we explain the services and fees in writing, help organize the next steps, and keep you informed as the claim moves forward. The office or court holding the funds determines the outcome. Some claims require an attorney.
Personal service
You’ll know who
you’re working with.
I’m Rhoni Hartsock, owner and your surplus recovery advocate. I started Owed & Found Recovery Services to help people understand and pursue surplus funds they may be entitled to claim, including tax-sale and mortgage-foreclosure proceeds.
My background in sales, homeowner restoration, and social work has taught me the value of clear communication and personal follow-through. I bring that same approach to surplus recovery: explain what was found, answer your questions, and help you understand the next steps.
Missouri is the initial focus of my research. If your property is in another state, contact me so we can discuss whether I can assist with your situation.
Email me directly
Your questions
Start with the facts.
Do you work with both tax-sale and foreclosure surplus?
Yes. Our research covers both tax-sale surplus funds and mortgage-foreclosure surplus funds, as well as other potential surplus proceeds. Each case is reviewed individually because the records and claim requirements can differ.
Does being contacted mean I’m guaranteed money?
No. A potential record must be verified. Eligibility, available funds, required documents, and the outcome of a claim depend on the individual case. Recovery is not guaranteed.
Can I look into a claim myself?
You can contact the office or court holding the funds to ask about its claim requirements. Our service is an optional way to get help with research and the recovery process.
Can you help if the former property owner has passed away?
Contact Rhoni to discuss the property and your relationship to the former owner. We can begin by reviewing the available records. Inheritance and estate questions may require an attorney, and being a relative does not by itself establish a right to the funds.
What information helps you review my situation?
Start with your name, contact information, and the property address or county and state. If you have a sale date, case number, or letter about the funds, mention that too. Rhoni will explain what additional records may be needed after the initial review.
How long does recovery take?
There is no single timeline. Record availability, claim requirements, competing claims, and the office or court handling the funds can affect how long the process takes. We discuss the known steps after reviewing your situation and do not promise a payment date.
How are fees handled?
Any proposed fee and the scope of services will be explained in a written agreement for your review before you choose to proceed. Contact Rhoni to discuss your situation.
What should I include in my first email?
Your name, the property’s city and state, and whether you received a letter from us are enough to begin. Please don’t email Social Security numbers, bank details, or identity documents.
Are you a government office or a law firm?
No. Owed & Found Recovery Services is a private business operating under Rvisions Enterprises LLC. We are not affiliated with a government agency and do not provide legal advice.
Let’s talk
Have questions about
potential funds?
Reach out to Rhoni for a personal conversation about what you found or a letter you received.
563-212-2041Rhoni@owedfoundrecovery.comSend an emailowedfoundrecovery.comTo get started, include your name, the property address or county and state, and the best way to reach you. Please share only basic information in your first message.