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 
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Licensed Private Investigator - License# 1215
Alabama

Let Us Help You Claim Your Surplus Funds​

BOOK A FREE CONSULTATION

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.

Ways To Get In Touch With Us

Frequently Asked Questions

 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. 

Equity Returned to Rightful Owners
$ 0
Recovery Rate Once Funds are Verified
0 %

Let Us Help You Claim Your Surplus Funds!

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What Our Clients Say About Us

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

Excellent
Overage Refund Recovery, LLC
Based on 41 reviews
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Nancy Crowder
​Mr. Carmichael was very courteous and polite in our brief encounter with recovering funds. From the beginning of our conversations, he had promised me a check for my troubles. Although I was somewhat skeptical of receiving anything at all, I was pleasantly surprised when I received a very nice and generous check for more than Mr. Carmichael had promised. I highly recommend this company should they ever reach out to you.

Sincerely, NC
Leighann Perkins
Arnold is one of the best veterans I've ever run across he's one out of his way to help me during one of the hardest times I've ever been through I went through other lawyer groups and all I wanted was money for nothing absolutely nothing and Arnel was able to get me my money within 2 months when everybody else said it would be at least a year these are good Christian people. He goes out of his way to help all his clients and he truly truly cares. Thank you for everything that you've done for me and my husband and thank you for what you did serving our country.
ADJS
There’s nothing better than someone reaching out to tell you you’re owed money!
This group reached out to inform me that, though the foreclosure happened, the difference from the balance owed, and the amount paid at auction, belonged to the previous homeowner.
This, they explained, was a little known fact and, their mission was to informed all that had been affected by the devastation of a foreclosure.
They worked through the process, allowing me time to recover from the loss of a home.
I embraced them for reaching out and, specifically for the day I received the surplus check!
If a foreclosure is unable to be avoided, take their call, or make a call to them. I learned a lot, and was able to see hope in the midst of turmoil.
Melissa Bearden
Mr. Carmichael contacted me a month ago about some funds that had not yet been claimed. I was very skeptical considering how the world is now and how very careful you have to be when you get such news. He was very understanding, pleasant and amazing all around. He was excellent with communication and kept me updated on everything. I can't say enough good things about my experience! I highly recommend Overage Refund Recovery. If I could give infinite stars as a rating I would.
Wendy Tiano
I was in a very low place, recovering from a stroke, unable to work and my home , foreclosed and sold in an auction. My house was sold for more money than what I owed. Several companies began contacting me wanting me to sign paperwork.
Something about the his vibe told me that Arnell could be trusted. He was patient and and answered all my questions completely. I highly recommend Overage Refund Recovery. They are awesome. Professional. Patient. Determined. Trustworthy. It only took took 4 months. They are truly a blessing!!!
Kristin Beach
Overage Refund Recovery was incredibly professional and compassionate throughout the entire process. They communicated clearly every step of the way and made everything easy to understand. Most importantly, they treat people with respect and kindness. Highly recommend their services!
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… 🙏🙏

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.”

Disclaimer: The information provided by our firm or its employees should not be construed as legal or financial advice. We are neither a law firm nor a certified public accounting firm and do not claim to be. For legal or technical matters, we recommend consulting a qualified attorney or certified public accountant.

Copyright © 2026 Overage Refund Recovery, LLC.

Nancy Crowder
​Mr. Carmichael was very courteous and polite in our brief encounter with recovering funds. From the beginning of our conversations, he had promised me a check for my troubles. Although I was somewhat skeptical of receiving anything at all, I was pleasantly surprised when I received a very nice and generous check for more than Mr. Carmichael had promised. I highly recommend this company should they ever reach out to you.

Sincerely, NC
Response from the owner:Thank you, Nancy — we appreciate your kind words and recommendation. We're glad Mr. Carmichael treated you courteously and that the recovery exceeded expectations. Your feedback means a lot to our team, and we will be sure to share your comments with him.
Leighann Perkins
Arnold is one of the best veterans I've ever run across he's one out of his way to help me during one of the hardest times I've ever been through I went through other lawyer groups and all I wanted was money for nothing absolutely nothing and Arnel was able to get me my money within 2 months when everybody else said it would be at least a year these are good Christian people. He goes out of his way to help all his clients and he truly truly cares. Thank you for everything that you've done for me and my husband and thank you for what you did serving our country.
Response from the owner:Thank you for sharing your experience, Leighann. We're thrilled to hear about your positive journey with Arnold and appreciate your kind words about his dedication and support. It’s rewarding to know that we could assist you during such a challenging time. Your gratitude means a lot to us, and we’re proud to uphold our values in serving our clients. Thank you for your trust in our team.
ADJS
There’s nothing better than someone reaching out to tell you you’re owed money!
This group reached out to inform me that, though the foreclosure happened, the difference from the balance owed, and the amount paid at auction, belonged to the previous homeowner.
This, they explained, was a little known fact and, their mission was to informed all that had been affected by the devastation of a foreclosure.
They worked through the process, allowing me time to recover from the loss of a home.
I embraced them for reaching out and, specifically for the day I received the surplus check!
If a foreclosure is unable to be avoided, take their call, or make a call to them. I learned a lot, and was able to see hope in the midst of turmoil.
Response from the owner:Thank you for your wonderful feedback! We're thrilled to hear that our outreach made a positive impact during such a challenging time. Our mission is to support those affected by foreclosure, and it's rewarding to know that we could help you not only understand your rights but also recover some funds. We're here to assist and provide guidance whenever it's needed. Your experience is exactly why we do what we do!
Melissa Bearden
Mr. Carmichael contacted me a month ago about some funds that had not yet been claimed. I was very skeptical considering how the world is now and how very careful you have to be when you get such news. He was very understanding, pleasant and amazing all around. He was excellent with communication and kept me updated on everything. I can't say enough good things about my experience! I highly recommend Overage Refund Recovery. If I could give infinite stars as a rating I would.
Response from the owner:Ms. Bearden, It was a pleasure speaking and working with you! I appreciate your trust in our company, to recover your funds. This testimonial will have a far greater impact helping others than what we were able to do for you.
Wendy Tiano
I was in a very low place, recovering from a stroke, unable to work and my home , foreclosed and sold in an auction. My house was sold for more money than what I owed. Several companies began contacting me wanting me to sign paperwork.
Something about the his vibe told me that Arnell could be trusted. He was patient and and answered all my questions completely. I highly recommend Overage Refund Recovery. They are awesome. Professional. Patient. Determined. Trustworthy. It only took took 4 months. They are truly a blessing!!!
Response from the owner:Ms. Wendy, Thank you for being so patient throughout this process, and we are really sorry you had to go through these health struggles! We greatly appreciate your trust in our company, and glad we were able to recover something for you to move forward with. Your testimonial will help many families to come. God Bless you!
Kristin Beach
Overage Refund Recovery was incredibly professional and compassionate throughout the entire process. They communicated clearly every step of the way and made everything easy to understand. Most importantly, they treat people with respect and kindness. Highly recommend their services!
Response from the owner:Thank you for your kind words, Kristin! We're thrilled to hear that you had a positive experience with our team. Providing clear communication and compassionate service is our top priority. We appreciate your recommendation and it was an absolute pleasure working with you on this case!
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
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.
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.
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!
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!
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!
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… 🙏🙏
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.

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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…

TALK TO A SURPLUS FUNDS CONSULTANT
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