When a property is sold at a tax auction or foreclosure for more than the balance owed, the county holds the excess proceeds in escrow. Vanguard Overage Group navigates the complex judicial motions, title audits, and statutory deadlines to return those funds directly to you—with zero upfront cost.
We advance 100% of legal, research, court filing, and mobile notary expenses.
We dispatch a licensed notary directly to you. No court appearances required.
All recoveries disburse directly via county warrant or verified attorney IOLTA.
Enter the Audit Reference ID printed on the top right corner of your Vanguard notification letter to inspect your verified county surplus dossier.
No recovery, no fee. We absorb all upfront legal, title research, and court filing costs.
Every claim is verified directly through county treasury ledgers and civil court dockets.
We send a commissioned notary to your home or office for a seamless 15-minute signing.
Strict adherence to state-specific statutory fee caps, disclosures, and bar rules.
Municipalities and courts enforce strict evidentiary rules before releasing excess proceeds. Our compliance team manages the entire administrative and legal burden from initial audit to final check disbursement.
Our research division audits county court registries and treasury ledgers to identify unreleased tax-sale and foreclosure surplus funds before statutory forfeiture deadlines expire.
We conduct comprehensive title and heirship research to verify the rightful owner of record or legal heirs, while scrubbing for competing junior liens or judgments.
Once authorized via a brief Mobile Notary visit, our team—alongside specialized local counsel—prepares, notarizes, and submits all motions, affidavits, and claim packages.
Upon county or judicial approval, the recovered funds are disbursed through verified escrow or IOLTA trust accounts. You receive your net recovery check directly.
When a municipality or mortgage lender auctions a property, they are legally only entitled to collect the delinquent taxes or loan balance plus administrative auction costs. Any dollar bid above that threshold is Surplus Equity ("Overage") that belongs to the former property owner.
Filing an unverified claim or working with an unvetted "finder" can result in rejected petitions, triggered subordinate liens, or missed statutory deadlines.
| Recovery & Compliance Standard | Vanguard Overage Group Institutional Fiduciary | Filing Alone (Self-Rep) | Amateur "Finders" |
|---|---|---|---|
| Upfront Legal, Court & Filing Costs Filing fees, probate/heirship affidavits, and attorney retainers | $0 Upfront (100% Covered) | $1,500 – $3,500 Out-of-Pocket | Often Hidden or Deducted |
| Forensic Title & Subordinate Lien Scrub Verifying junior mortgages, HOA liens, or judgments before filing | Full Title Abstract Included | High Risk of Wiping Payout | Rarely Performed |
| Direct Mobile Notary Dispatch In-person notarization at your home or workplace | Nationwide Dispatch Included | Self-Arranged | Mail-In Only |
| Judicial Court Motion Representation Required for judicial foreclosure surplus disbursements | Licensed Local Counsel | Must Hire Own Attorney | Cannot Practice Law |
| Protected Escrow / IOLTA Disbursement Transparent check clearing & fiduciary accounting | Guaranteed Trust Account | Direct from County | Unregulated LLC Account |
Clear, straightforward answers regarding your property rights and how surplus recovery works.
Speak directly with a Senior Recovery Auditor today or verify your Claim Reference ID to receive your official county ledger summary in writing.