In most states, foreclosure sales follow a streamlined process where lenders initiate proceedings to recover unpaid debts. After the required notices and waiting periods, properties are sold at public auctions to the highest bidder. The sale proceeds are used to pay off mortgages, taxes, and liens, with any surplus funds—known as overages—legally belonging to the homeowner. Unfortunately, many homeowners are unaware they have a right to claim these funds.

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