Excess & Surplus Funds Recovery Resources

Learn how excess and surplus funds work, who may be eligible, and how to claim money owed after foreclosure or tax sales in Georgia. Browse our guides below.

Excess & Surplus Funds Recovery by County

If you want county-specific information and help, choose your county below:

Educational Guides & County Resources

Gwinnett County courthouse building in Lawrenceville Georgia where tax sales and excess funds claims are processed

Understanding Gwinnett County Tax Sale Overages (What Happens to the Extra Money?)

February 10, 20262 min read

Understanding Gwinnett County Tax Sale Overages

When a property is sold at a Gwinnett County tax sale, many people assume the county keeps everything.

That’s not true.

If the property sells for more than the amount owed in taxes, liens, and fees, the remaining money — called tax sale overages or excess funds— may legally belong to the former owner or their heirs.

Most people never realize this money exists.

Here’s how it works.

What Are Tax Sale Overages?

A tax sale happens when unpaid property taxes lead to the property being auctioned.

If:
Sale price > total debt owed

The extra money becomes overages.

That difference does not disappear or automatically belong to the government. It may be claimed by the rightful party.

Where Does the Money Go After the Sale?

After the auction, Gwinnett County typically:

  • pays unpaid taxes

  • pays liens and costs

  • holds any remaining funds

Those leftover funds may sit with the county until someone files a claim.

Sometimes that money remains unclaimed for years.

Who Can Claim Overages?

You may qualify if you are:

  • the former property owner

  • a family member or heir

  • the executor of an estate

Proper documentation is usually required to prove your relationship to the property.

Why Do So Many Funds Go Unclaimed?

Common reasons include:

  • people move and never receive notices

  • heirs don’t know the property was sold

  • the process feels confusing

  • no one checks county records

As a result, thousands of dollars may sit untouched.

How to Check if You’re Owed Money

You can manually search county records, but it takes time and experience to know what to look for.

We provide afree claim checkto quickly determine whether excess funds may exist in your name.

👉Start your free Gwinnett County claim check

Need County-Specific Help?

For full details on the process and how we help:

👉 Gwinnett County Excess & Surplus Funds Recovery Services

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Tommy Loch

Written by Tommy Loch, owner of Loch Family Asset Recovery Group. Tommy is dedicated to helping Georgia families recover surplus and excess funds from tax sales and foreclosures. With years of experience navigating county and probate systems, he ensures clients never pay upfront fees—Loch Family covers all costs and only gets paid when funds are successfully recovered.

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