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

About Us

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CALL US: (256) 321-1608

Meet The Team

Arnell is a United States Air Force veteran with over 20+ years in Government/Private sector Client Relations. As a combat veteran, he is able to make difficult and timely decisions through an Ethics-based approach.

JC is also a United States Air Force Veteran and Realtor/Associate Broker. She garners 20+ year in Client Relations, and understands how to create effective end-to-end processes, whereby creating ‘Win-Win’ situations for our clients!

Ania is a Senior High School student with a strong propensity to manage/organize complex data elements. She ensures that accurate data is entered into our Client Relationship Management (CRM) Tool, to provide the best possible service to our clients!

Journi is our Distribution Specialist who is in charge of managing all outbound Letter Correspondence. She is always looking for more ways to earn money, and undoubtedly the life of the Team!

Overage Refund Recovery is a small group of asset recovery professionals located in Alabama. We know the “ins and outs” of government agencies in all states. If a government agency is holding your funds, we know how to get them! After a certain period of time elapses, the government may get to keep your funds, so it’s always best to have professionals on your side.

Our Mission

If a claim for your funds isn’t made in time, the funds often “escheat” to the agency holding them, meaning you can no longer claim them. It’s your money, and the government shouldn’t be able to take it from you. Our mission is to ensure that this never, ever happens. We audit government files and documents for these unclaimed funds, and when we find them, we make it our personal mission to reunite them with their rightful owner.

Our Vision

We’d love to see you reclaim the funds we’ve found for you! What would you do with a nice, unexpected payday? In this economy, everyone’s got a use for extra money. Let’s make sure we place these funds in the hands of the rightful owner!!

Get In Touch With Us

We take a long burdensome process and transform it into a painless engagement to get our clients the money that is owed to them.

Do You Need Assistance?

Unclaimed Funds are real, and we help our clients (who may be owed a substantial amount of money) file a claim with the government to get their money back – all with NO upfront costs to you.

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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 © 2025 Overage Refund Recovery, LLC.

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!

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.

Timothy Forrester

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!

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!

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!