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

We Can Help You Save Your Home
We Can Help You Save Your Home
Avoid Forelcosure Now!

Hi, I am Joi 'JC' Carmichael

I’m a United States Air Force Veteran and a dedicated Realtor/Associate Broker with over six years of experience in the real estate industry. My passion is helping homeowners facing financial hardship navigate their options with compassion, honesty, and expertise. No matter the challenge, I’m here to guide you toward the best solution so you can move forward with confidence and peace of mind.

Vision Statement

To be a trusted and compassionate guide for homeowners in distress, providing solutions that restore stability, hope, and dignity. Rooted in faith and led by God’s grace, I aspire to transform challenges into opportunities for renewal, ensuring every family feels supported and cared for during their journey toward a brighter future. Through integrity, service, and a heart for others, I seek to build a legacy of impact, one home at a time.

See How We Can Help

You Have Options

If you’re facing financial hardship and feeling uncertain about your next steps, you have options—and we’re here to help you explore them. Whether you’re wanting to stay in your home or need a fast cash offer or want to list your home on the MLS, we’ll work with you to find the best solution for your unique situation.

We understand how overwhelming this process can feel, especially when life is already throwing challenges your way. That’s why we take a compassionate, no-pressure approach to help homeowners like you.

If any of the situations below sound familiar, know that help is just a conversation away.

Pre-foreclosure or foreclosure concerns
Falling behind on mortgage payments
Job loss or financial strain
Divorce or major life changes
Health issues making it hard to keep up with the home
Struggling with overwhelming debt
Costly repairs that are no longer manageable
Needing to relocate quickly for work or personal reasons

Stop My Foreclosure

Have a foreclosure date coming up and you’re not sure what to do? We can help.

Just submit your information below

STOP MY FORECLOSURE

Schedule A Free Consultation

Let’s find a solution together-because there’s always hope! Schedule a free confidential consultation now

Lets Talk
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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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.
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.
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!
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
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!
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.
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!
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!
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!

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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