About Us

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Surplus funds are the remaining funds after a foreclosure auction — funds that belong to the previous property owner. These funds arise from situations like tax or mortgage foreclosures, where the property is auctioned off to cover outstanding debts.

Here’s how it works:

• Tax Foreclosures: When property taxes go unpaid for an extended period, the county holds an auction to recover the owed amount. If the property sells for more than the owed taxes, the excess (surplus funds) is payable to the former property owner.
• Mortgage Foreclosures: When a mortgage goes unpaid, the bank auctions the property to recover the outstanding balance. Any excess proceeds above the owed amount belong to the homeowner, their heirs, or any other lienholders.

Surplus funds are often left unclaimed due to a variety of reasons, but most commonly, individuals simply aren’t aware that they’re entitled to them. Here’s why:

1. Complexity: The process of filing for surplus funds requires navigating legal procedures and paperwork — something most people aren’t familiar with. Legal assistance is often necessary.
2. Lack of Awareness: After being evicted or foreclosed upon, many believe that all is lost and don’t realize they may still be entitled to money from the auction.
3. Perceived Finality: Once the eviction happens, individuals often think the matter is over. They may not know that surplus funds are still available.
4. Emotional Stress: Foreclosure is an emotionally taxing experience. People may be overwhelmed by financial stress and may not pursue the funds that could be their financial lifeline.
5. Professional Fees: While asset recovery firms charge a success fee, typically ranging from 15% to 33%, this often deters people from pursuing the recovery themselves.

The truth is, recovering surplus funds is not easy. It involves navigating through complicated paperwork, legal requirements, and court channels. Most people, understandably, don’t have the time or resources to do this on their own.

This is where Rivendell Consulting can make all the difference. We specialize in helping individuals claim their surplus funds — ensuring they get the financial relief they deserve, without the headache.

Rivendell Consulting is here to make the process of recovering surplus funds simple, transparent, and stress-free. Here’s how our services benefit you:

1. Expertise & Efficiency: Our team knows the ins and outs of surplus fund recovery. We handle all the legal intricacies and file the necessary paperwork to ensure a smooth claim process.
2. Maximized Recovery: With years of experience, we’re able to recover the highest possible amount for our clients. Our deep understanding of the system allows us to avoid common pitfalls and mistakes.
3. No Upfront Fees: We work on a contingency basis, meaning you don’t pay a dime unless we successfully recover your funds. It’s a risk-free opportunity for you.
4. Compassionate Service: We understand the emotional and financial toll foreclosure takes. Our goal is to provide relief, hope, and a fresh start to those who need it most.

We know that the idea of surplus fund recovery can seem too good to be true, but we pride ourselves on honesty, transparency, and a genuine desire to help. When you partner with Rivendell Consulting, you can rest assured that we’ll guide you through every step of the process. We only get paid when you get paid, and our fee structure is fair and transparent — no hidden charges, no surprises.

Don’t let your financial relief slip away. Let Rivendell Consulting help you recover the funds you’re entitled to, and get the fresh start you deserve.

Contact us today to schedule a consultation, and let us take the burden off your shoulders.

Rivendell Consulting: Your Partner in Surplus Fund Recovery.
Where transparency meets compassion — because everyone deserves a second chance.