Homeowner Equity Advocates is committed to protecting your privacy. This Privacy Policy explains how we collect, use, protect, and disclose personal information obtained through our website, communications, and services.

We may collect personal information including, but not limited to, your name, contact information, property details, foreclosure or case information, identification documents, and other information necessary to evaluate and pursue surplus fund recovery. Information may be collected through website forms, electronic documents, email, phone calls, or third-party public records.

Personal information is used solely for the purpose of identifying potential surplus funds, communicating with clients, preparing claims, submitting documentation, and completing recovery services. We do not sell, rent, or trade personal information to third parties for marketing purposes.

Information may be shared only when necessary to perform services, including with courts, county agencies, financial institutions, electronic signature platforms, secure document storage providers, or other third parties directly involved in the recovery process. All reasonable steps are taken to ensure that information is handled securely and confidentially.

We implement commercially reasonable administrative, technical, and physical safeguards to protect personal information. However, no method of electronic transmission or storage is guaranteed to be completely secure, and we cannot guarantee absolute security.

Clients may request access to, correction of, or deletion of their personal information, subject to legal and contractual obligations. Continued use of our website or services constitutes consent to this Privacy Policy.

This Privacy Policy may be updated periodically. Changes will be posted on this page, and continued use of our services indicates acceptance of the updated policy.

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Electronic Records & Consent Disclosure

By using the Homeowner Equity Advocates website or engaging our services, you consent to conduct business electronically. This includes receiving disclosures, agreements, notices, authorizations, and records in electronic form.

You acknowledge that electronic records, electronic signatures, and digital acknowledgments are legally binding under the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state Uniform Electronic Transactions Acts (UETA). Electronic signatures carry the same legal effect as handwritten signatures.

You agree that documents may be delivered via email, secure portals, or electronic signature platforms and that electronic copies satisfy any legal requirement for written notice or record retention.

You may withdraw consent to electronic communications by providing written notice; however, withdrawal may delay or prevent our ability to provide services. You are responsible for maintaining accurate contact information and the ability to access electronic records.

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Client Contingency Agreement

Website Summary Version – Full Agreement Executed Separately

Homeowner Equity Advocates provides surplus fund recovery services on a contingency-fee basis. By engaging our services, the client authorizes Homeowner Equity Advocates to research, prepare, submit, and pursue surplus fund claims on the client’s behalf.

The client understands that Homeowner Equity Advocates is not a law firm, does not provide legal advice, and does not represent the client in any legal capacity. No attorney-client relationship is created.

Compensation is contingent upon successful recovery of surplus funds. If no funds are recovered, no fee is owed. The specific contingency percentage and payment terms are outlined in the client’s signed agreement.

The client affirms that all information provided is accurate and complete and agrees to cooperate fully during the recovery process. Failure to provide truthful or timely information may result in delays or termination of services.

The client acknowledges the right to pursue surplus funds independently at no cost through the appropriate government agency and chooses to engage Homeowner Equity Advocates voluntarily.

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Ethical Standards & Advocacy Commitment

At Homeowner Equity Advocates, advocacy is the foundation of our work. We exist to help homeowners and heirs recover money that rightfully belongs to them—funds that often go unclaimed simply because people are never informed they exist.

We are committed to transparency, integrity, and respect in every interaction. We clearly disclose that clients may recover surplus funds on their own at no cost and that our services are optional. We do not pressure, mislead, or exploit individuals during vulnerable moments.

We operate on a contingency-only model, meaning we are only paid when our clients are paid. Our goal is alignment—not profit at any cost.

We treat every client with dignity, confidentiality, and professionalism, recognizing that foreclosure and property loss can be emotionally difficult experiences. Our role is to guide, support, and advocate—not to take advantage.

We believe surplus funds belong to the people, not the system. Recovering them is not a loophole—it’s a right.

Your Rights as a Homeowner or Heir

As a homeowner or rightful heir, you have important rights regarding surplus funds that may remain after a foreclosure, tax sale, or similar legal proceeding.

You have the right to claim surplus funds on your own at no cost by contacting the appropriate court, county, or government agency directly. No company, including Homeowner Equity Advocates, is required for you to pursue these funds.

You have the right to clear, honest information about the recovery process, including how surplus funds are identified, how claims are submitted, and how compensation works. You have the right to ask questions at any time and to receive transparent answers.

You have the right to decline services, cancel discussions, or choose not to proceed without pressure or obligation. Participation in our services is voluntary.

You have the right to confidentiality and respectful treatment. Your personal information should be handled securely and used only for legitimate recovery purposes.

You have the right to understand all agreements before signing, including contingency fees and authorization terms. You should never feel rushed into signing documents.

Homeowner Equity Advocates is committed to honoring and protecting these rights in every interaction.

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Regulatory Compliance Statement

Homeowner Equity Advocates operates as an independent surplus fund recovery service and strives to comply with all applicable federal, state, and local laws and regulations governing asset recovery, consumer protection, electronic records, and privacy.

We do not provide legal advice, do not engage in the unauthorized practice of law, and do not represent clients in court. We do not misrepresent our services, government affiliation, or authority.

We comply with applicable electronic signature and record laws, including the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and relevant state Uniform Electronic Transactions Acts (UETA).

We follow applicable consumer protection standards, including truth-in-advertising practices, fair business conduct, and data privacy obligations. We do not charge upfront fees and operate on a contingency-only basis.

Where state-specific rules apply to surplus fund recovery, assignment of claims, or fee structures, we adjust our processes accordingly. Clients are encouraged to consult independent legal counsel if they have questions about their rights under state law.

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Consumer FAQ

What are surplus funds?

Surplus funds are excess proceeds that may remain after a foreclosure or tax sale once all debts, liens, and costs have been paid. These funds may belong to the former homeowner or their heirs.

Do I need to hire a company to recover surplus funds?

No. You may claim surplus funds on your own at no cost by contacting the appropriate government agency. Our services are optional and provided for convenience and assistance.

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How does Homeowner Equity Advocates get paid?

We work on a contingency basis. We are only paid if surplus funds are successfully recovered, as outlined in a signed agreement.

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Is recovery guaranteed?

No. Eligibility and approval are determined by the court or government agency. Some claims are denied or delayed based on legal or documentation requirements.

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How long does the process take?

Processing times vary widely by jurisdiction and are controlled by government agencies. Some claims take weeks, others may take several months.

Is Homeowner Equity Advocates a law firm?

No. We are not attorneys and do not provide legal advice or legal representation.

Is my information safe?

We take reasonable measures to protect your information and only share it when necessary to pursue recovery or comply with legal requirements.

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Our Trust & Transparency Promise

At Homeowner Equity Advocates, trust is not a marketing strategy—it is our operating standard.

We promise transparency in how we communicate, how we charge, and how we serve. We clearly disclose that clients can recover surplus funds on their own at no cost and that our services are optional.

We promise advocacy over exploitation. Foreclosure and property loss can be emotionally difficult, and we approach every case with respect, discretion, and care.

We promise alignment, not pressure. Our contingency-only model means we succeed only when our clients succeed. No recovery means no fee.

We promise honesty about outcomes. We do not guarantee results or timelines, and we do not exaggerate claims or expectations.

We promise confidentiality and professionalism. Your information is handled securely and only used for legitimate recovery purposes.

We promise ethical conduct. We do not misrepresent who we are, who we work for, or what authority we have.

We believe surplus funds belong to the people—not the system. Our role is to help return what is rightfully yours, with integrity at every step.