1. Whoever dwells in the shelter of the Most High will rest in the shadow of the Almighty.         2. I will say of the Lord, “He is my refuge and my fortress, my God, in whom I trust.” - Psalm 91: 1-2 

Licensed Private Investigator - License# 1215
Alabama

Let Us Help You Claim Your Surplus Funds​

Licensed Private Investigator (LPI)
Alabama License #: 1215

The Quick Truth...

Foreclosure Refunds are real, and we help our clients (who may be owed a substantial amount of money back) – all with NO upfront costs to you.

Our first step is researching the claim and finding who the legal claimant is. The next step is getting your permission to recover these proceeds on your behalf quickly before these unclaimed funds are taken by the government agency holding them.  We take a long burdensome process and transform it into a painless engagement to get our clients the money that is rightfully owed to them. Essentially, we provide a ‘concierge-like’ service and handle everything from A-Z throughout the recovery process. 

Arnell Carmichael
Our Process
The Audit

Routine audits are made on government agencies across the United States and great efforts are expended to locate the rightful owner(s).

Call Us

We will answer any questions you may have, then begin the process to find any money that may be available for you.

Paperwork

Once you have agreed to let us work your claim, we will set up a time for you to sign and notarize several pages of paperwork.

Return Paperwork

Return the paperwork back to us via mail or email. Submit all the necessary paperwork and we cover all the upfront costs on your behalf

Waiting Time!

You sit back and let us do the work. We will contact you as soon as a check is ready and on it’s way! Claims are usually paid out within 3-4 months.

 Overage Refund Recovery is an organization that specializes in finding and recovering undiscovered assets. Some of the sources of money that we locate are from Tax and Mortgage Foreclosure auctions. We research the information and then contact the rightful owners to help them get their Funds back for themselves!

For example, in the case of real estate that was owned, Properties are sold either at foreclosure or tax sale auction. Many times the amount owed to lien holder or creditors gets overpaid to the government and they take it if no one claims it. In cases of Bankruptcy, an old discharged bankruptcy can sometimes yield funds. There are many more sources. We would be more than happy to explain where your funds were generated from.

We know how much the claim is but need your approval to pinpoint the exact location of those funds within the government agency. Once you sign, we will complete the drill down process to identify the unclaimed fund account and immediately file to get it released on your behalf.

We work on a contingency basis and are only paid a minor percentage when and if we successfully recover the funds for you. Once you sign our contingency fee agreement, we’ll cover all the costs of retrieving those funds on your behalf including but not limited to Attorney’s fees, filing fees, court costs etc. We do this every day and NEVER charge you a penny out of pocket to get you your money.

Government agencies don’t make the process of finding and claiming those funds easy. It requires a lot of paperwork, legal motions and follow-up. You could hire a lawyer to help but they typically cost more than the claim itself and you have to pay them upfront to get started. With us, you pay nothing up front and we know how to keep costs low. You need an experienced professional that knows the process inside and out to maximize your chance of getting that money.

Every Government agency, Bank or Private organization handles the claims process differently. Depending on the local rules of law and the type of claim it is typically anywhere from 60 -120 days on average from the filing date. Some cases may take even more time, however we have seen many cases get paid out quicker.

Contact us by phone or email with your situation and one of our helpful and friendly associates will immediately help you with your claim. Once you sign — we get to work! We will keep you informed throughout the process, from submission, to follow-up to the official release of funds. Transparency and trust is how we operate.

NO. The concept of lost or forgotten funds or assets has been around for a long time. The federal, state and local governments as well as private banks, HOA’s and others hold over a staggering $50 Billion Dollars in unclaimed funds. Yes, that’s where we come in. We do not charge you any money upfront for our services. We work on a contingency basis and are only paid when and if we successfully recover the funds for you. WE WILL NEVER ASK YOU FOR ANY PAYMENT INFORMATION. 

Recovered For Clients
$ 0
Recovery Success Rate (once funds are verified)
0 %

Let Us Help You Claim Your Surplus Funds!

Recovery Wall

What Our Clients Say About Us

Don't take our word for it. Hear what our customers say...

GodzGot Me
Honestly I thought it might have been a scam but I talked to Arnel and his team and he helped straighten out a lot of things with my dad’s estate. Thank you
Rolltide256
I would highly recommend Overage Refund Recovery! Overage Refund Recovery was able to recover over $90K that I was totally unaware of and got me the funds as expeditiously as possible. Every member of the team was highly professional and I received timely updates on my case. Even when the county added additional hurdles to recover my funds, Overage Refund Recovery stayed by my side and walked me through the process. I am grateful for this organization and would say if you get contacted by them for refund recovery that you would be in good hands.
Briana Dillard
Outstanding Service and Fast Results!
Overage Refund Recovery, LLC was an absolute pleasure to work with! They helped me recover surplus funds from a recent foreclosure, and I couldn’t be more grateful. From the very beginning, they were clear, professional, and great at communicating—always prompt with responses and ready to answer any questions I had.

They told me the process could take 2–3 months, but to my surprise, they were able to recover the funds in less than a month! The entire experience was smooth, stress-free, and handled with care. I highly recommend them to anyone going through a similar situation. Wonderful team and truly outstanding service!
Heather Chapman
We lost our home to foreclosure last year. We didn’t know what to do so just kind of waiting for it to hit our credit to file bankruptcy. Then we received a phone call one day from Arnell Carmichael from overages recovered. We thought it was a scam or fake but they had their homework already done. They helped us get something off our home and took a few things off our credit from another mortgage and lien on our home. We did nothing but answer their questions here and there, this all started on march 12, 2025 and we had money in our account on may 7, 2025. They didn’t procrastinate they were very prompt and so amazing.. we were struggling financially and this little bit has helped us tremendously… most amazing company.. thank you guys so much we are blessed you happened to stumble across our home… 🙏🙏
Timothy Forrester
N Hallett
I am 100% glad that I made the smart decision of hiring Arnell Carmichael and his team (Overage Refund Recovery LLC). On several occasions we had issues with the trustee but Arnell went above and beyond staying on top of them each and every time to make sure we received our funds as quickly as possible. People like him are few and far between these days. Do yourself a favor and hire the guy with all the good reviews and bbb rep so you don't get got by the many other people posing in this line of business as trustworthy. Once again thank you so much sir for all of your hard work and your service to our country as a veteran. We highly appreciate and recommend you.
Bertha Cox
The company and the people are great so if you are in need of help to recover money from your family and loved ones for any reason please give these people a call they will help you in any way they can
Destanye Hogan
This was the best decision I made to use Overage Refubd LLC this company. I was not aware of the funds I had access to once our house was foreclosed on after my mom passed. With the help of Arnell we recovered $120,000.00 if fee were very reasonable and he helped me along every step of the way. With him assisting me I don’t know where I would be: I was able to have a fresh start on life. SERVICES ARE 10/10 I would definitely use him over and over again. Don’t be skeptical he walked me through every step and handled all the paperwork. Very professional and efficient. Thank you again for helping me in my time of need.
Jamie Quick
Jennifer Daniels
I had a great experience working with this company. They were very professional and did a great job keeping me up to date with the process. I would highly recommend their services!

100% Risk Free

We work on a contingency basis and are only paid when we successfully recover the funds for you! Totally Risk Free For You

BBB Accredited

BBB Accreditation signifies that any business that meets the standards is “committed to make a good faith effort to resolve any consumer complaints.”

Honestly I thought it might have been a scam but I talked to Arnel and his team and he helped straighten out a lot of things with my dad’s estate. Thank you
Response from the owner:We’re thrilled to hear that Arnell, and the team were able to assist you with your dad's estate! Thank you for trusting us and for taking the time to share your positive experience. Your satisfaction means a lot to us. We’re here if you need any further assistance.
I would highly recommend Overage Refund Recovery! Overage Refund Recovery was able to recover over $90K that I was totally unaware of and got me the funds as expeditiously as possible. Every member of the team was highly professional and I received timely updates on my case. Even when the county added additional hurdles to recover my funds, Overage Refund Recovery stayed by my side and walked me through the process. I am grateful for this organization and would say if you get contacted by them for refund recovery that you would be in good hands.
Response from the owner:Mr. Morgan, thank you for your fantastic review and recommendation! We are thrilled to hear about your positive experience and successful recovery of funds. Our team strives to provide professional support and timely updates, and we're glad that we could assist you even when challenges arose. Your gratitude motivates us to continue delivering excellent service. We appreciate your trust in Overage Refund Recovery!
Outstanding Service and Fast Results!
Overage Refund Recovery, LLC was an absolute pleasure to work with! They helped me recover surplus funds from a recent foreclosure, and I couldn’t be more grateful. From the very beginning, they were clear, professional, and great at communicating—always prompt with responses and ready to answer any questions I had.

They told me the process could take 2–3 months, but to my surprise, they were able to recover the funds in less than a month! The entire experience was smooth, stress-free, and handled with care. I highly recommend them to anyone going through a similar situation. Wonderful team and truly outstanding service!
Response from the owner:Thank you for your wonderful feedback, Briana! We are thrilled to hear that you had a positive experience with our team and that we were able to recover your surplus funds quicker than expected. Your recommendation means a lot to us, and we are glad to have provided you with clear communication and support throughout the process. We appreciate your trust in us and look forward to helping others in similar situations. Thank you for choosing Overage Refund Recovery, LLC!
We lost our home to foreclosure last year. We didn’t know what to do so just kind of waiting for it to hit our credit to file bankruptcy. Then we received a phone call one day from Arnell Carmichael from overages recovered. We thought it was a scam or fake but they had their homework already done. They helped us get something off our home and took a few things off our credit from another mortgage and lien on our home. We did nothing but answer their questions here and there, this all started on march 12, 2025 and we had money in our account on may 7, 2025. They didn’t procrastinate they were very prompt and so amazing.. we were struggling financially and this little bit has helped us tremendously… most amazing company.. thank you guys so much we are blessed you happened to stumble across our home… 🙏🙏
Response from the owner:Thank you for sharing your experience, Heather. We're thrilled to hear that Arnell and our team were able to assist you in such a meaningful way during a tough time. It's our mission to support our clients and provide prompt solutions that can make a positive impact on their lives. Your kind words truly motivate us to continue our work. We're grateful to have been a part of your journey and wish you all the best moving forward.
I am 100% glad that I made the smart decision of hiring Arnell Carmichael and his team (Overage Refund Recovery LLC). On several occasions we had issues with the trustee but Arnell went above and beyond staying on top of them each and every time to make sure we received our funds as quickly as possible. People like him are few and far between these days. Do yourself a favor and hire the guy with all the good reviews and bbb rep so you don't get got by the many other people posing in this line of business as trustworthy. Once again thank you so much sir for all of your hard work and your service to our country as a veteran. We highly appreciate and recommend you.
Response from the owner:Thank you so much for your wonderful review, Nicholas! We are thrilled to hear about your positive experience with our Company. Your kind words truly motivate us to keep providing exceptional service. We appreciate your trust and recommendation!
The company and the people are great so if you are in need of help to recover money from your family and loved ones for any reason please give these people a call they will help you in any way they can
Response from the owner:Thank you for your wonderful review, Bertha! We truly appreciate your kind words and are glad to hear that you found our team helpful. Your support means a lot to us, and we're here for anyone who needs assistance. Thank you for recommending us!
This was the best decision I made to use Overage Refubd LLC this company. I was not aware of the funds I had access to once our house was foreclosed on after my mom passed. With the help of Arnell we recovered $120,000.00 if fee were very reasonable and he helped me along every step of the way. With him assisting me I don’t know where I would be: I was able to have a fresh start on life. SERVICES ARE 10/10 I would definitely use him over and over again. Don’t be skeptical he walked me through every step and handled all the paperwork. Very professional and efficient. Thank you again for helping me in my time of need.
Response from the owner:Thank you for your wonderful review, Destanye! We're thrilled to hear about your positive experience with Arnell and the recovery process. It's heartwarming to know that we could assist you during such a challenging time. Your kind words motivate us to continue providing excellent service. We're here for you whenever you need us!
I had a great experience working with this company. They were very professional and did a great job keeping me up to date with the process. I would highly recommend their services!
Response from the owner:Thank you for your wonderful review, Jennifer! We're thrilled to hear that you had a great experience with us and that our team kept you informed throughout the process. Your recommendation means a lot to us and thanks to you and Jamie once again!

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Unclaimed Funds May Be Waiting For You

We sympathize with you for your loss! However, you may have unclaimed funds from your home’s auction. Let’s talk about the next steps…