Surplus Funds Recovery for Lienholders and Creditors

If you hold a valid lien, judgment, or claim, you may be entitled to excess funds.

When a property is sold at foreclosure or tax sale, the proceeds first go to satisfy the debt that caused the sale. If there is money left over, other lienholders and creditors with valid claims may have the right to collect those surplus funds.

At E. Albert Law, LLC, we represent lienholders, judgment creditors, financial institutions, and other interested parties in recovering funds they are legally entitled to.

Why Work With Our Firm?

Recovering funds after a foreclosure or tax sale requires proper documentation, strict deadlines, and sometimes court hearings. Our firm brings the legal expertise and process management needed to secure your claim efficiently and ethically.

• Knowledge of Georgia law: We handle foreclosure and tax sale overages across the state.
• Documentation-driven process: We help you prepare and present the required lien, judgment, or payoff records.
• Court representation: If disputes arise, we represent your claim in interpleader proceedings or hearings.
• Ethical fee model: We believe in fairness and transparency. Our fees are structured to keep the process cost-effective for creditors while maintaining strict legal compliance.

What to Expect

1. Intake – Complete our online form and provide your lien, judgment, or supporting documentation.
2. Evaluation – We review your claim and confirm whether your lien or judgment is enforceable against the funds.
3. Engagement – If the claim is valid, we provide a written engagement agreement outlining representation and fees. If the claim is in interpleader, an interpleader contract will also be required.
4. Claim Filing – We submit the necessary pleadings with the trustee or court and respond to any objections.
5. Distribution – Once approved, we disburse funds to you through our firm's trust account.

Georgia's Lowest Fee Model for Excess Funds

At E. Albert Law, LLC, our mission is simple: clients should keep the majority of their recovery.

Our Unique Low Fee Model

At E. Albert Law, LLC, we believe that homeowners and heirs should keep the majority of their excess funds. That's why we've created one of the most competitive fee structures in Georgia for surplus funds recovery.

• Standard Cases: We charge only 10% for straightforward, non-litigated cases.
• Litigated Cases: For matters requiring court filings, motions, or hearings, our fee is capped at 15%. Even when litigation is necessary, our clients still retain the majority of their recovery.
• Cases with Third-Party Affiliates (TPAs): When clients are introduced to us through a TPA, our fees are even lower to ensure claimants walk away with the largest possible share of their funds.

Contingency Fee – No Recovery, No Fee

Our fees are contingency-based. That means you pay nothing upfront. We only get paid if we successfully recover funds on your behalf. If there is no recovery, you owe us nothing. This keeps our goals fully aligned with yours, maximizing the amount you take home.

Where Your Interest Sits in Line

Payment order decides most of these cases. The lender that foreclosed is paid first, then costs, then whoever holds the next recorded interest. A junior lienholder may recover in full, in part, or not at all, and the answer usually comes from the title record rather than from argument.

We start there. Before you spend anything, our office reads the chain of title, lists every recorded interest, and tells you where yours falls. If nothing is likely to reach you, we say so in the first conversation. Otherwise you get a plain estimate of the amount and the timeline.

Documentation carries the day. A recorded security deed, a judgment with a date, a payoff statement, a corporate resolution showing who may sign: these are the pieces that win. We tell you exactly which ones your file is missing and, where possible, obtain them for you.

Nothing here moves on sympathy. A claim is decided by dates and documents, so we gather both before promising you anything.

Ask us early and the answer is cheap. A lienholder who calls the week of the sale often recovers in full, while one who calls a year later may find the balance already distributed.

Deadlines are unforgiving but they are not secret. We put every relevant date in writing at the start, and we calendar them ourselves.

If the money is deposited with a court, an attorney has to respond inside the court's schedule. Missing that window forfeits the position no matter how strong the underlying lien may be.

Fees stay proportionate. For smaller balances we will tell you when the cost of pursuing a claim is likely to exceed what it returns.

Get Started Today

If you are a lienholder, creditor, or other interested party with a potential claim, don't wait — statutory deadlines apply, and delaying may forfeit your right to recover.

Contact Us Today

Please note: Our office does not respond to requests for excess funds lists. Please contact the county directly.

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