Foreclosure Financial Recovery Agency (FFRA)

Last Updated: 11/19/2025

Foreclosure Financial Recovery Agency (“FFRA,” “we,” “our,” or “us”) assists former homeowners in locating and recovering surplus funds (“excess proceeds”) resulting from foreclosure sales. These Terms & Conditions explain how our services work, what clients can expect, and the responsibilities of both parties.

By using our services, contacting us, or submitting an intake form, you agree to these Terms & Conditions.

FFRA does not charge upfront fees for surplus fund recovery services.
We operate on a contingency basis, meaning:

• You pay nothing unless we successfully recover funds on your behalf.
• Our standard contingency fee ranges from 15% to 25% of the recovered amount, depending on claim complexity, required documentation, and county procedures.

You will never be asked to prepay, retain, or deposit any money to initiate a claim.

FFRA conducts an initial audit to determine whether surplus funds may be available.

• The audit is free unless you cancel after the audit is completed.
• If you cancel after receiving confirmation that surplus funds exist or after the audit has been performed, a $399 audit fee will be charged.
  This fee covers the time, research, and county verification required to identify surplus funds.

If no surplus funds are found, you owe nothing.

FFRA is not a law firm and does not provide legal advice.
We assist with research, claim preparation, and administrative filings.
If you need legal advice or representation, you should consult a licensed attorney.

By working with FFRA, you agree to:

• Provide accurate, truthful information.
• Respond to communications in a timely manner.
• Sign necessary documents required by counties or courts to release surplus funds.
• Notify us if your contact information changes.

Failure to cooperate may delay or prevent claim completion.

We agree to:

• Conduct a full audit of foreclosure records related to your property.
• Inform you if surplus funds appear to be available.
• Prepare and submit necessary claim forms.
• Follow up with the county or trustee to obtain a decision or release of funds.
• Never charge you an upfront fee, deposit, or retainer.

While we work diligently to secure your funds, we cannot guarantee:

• That a county will approve a claim.
• How long a release may take.
• The exact amount you may receive.

Counties and courts operate independently, and processing times or decisions may vary.

If FFRA successfully recovers surplus funds, the contingency fee will be deducted directly from the recovered amountbefore disbursement to you, unless local regulations require a different process.

You authorize FFRA to receive communication, documentation, and/or checks from the county or trustee on your behalf where permitted by law.

You may cancel services at any time.
However, if cancellation occurs after the audit is completed, you agree to the $399 audit fee.

FFRA may terminate services if:

• Fraud or false information is suspected
• You fail to provide required documents
• Communication ceases for 30 days

These Terms & Conditions are governed by the laws of the state in which the claim is being processed.

For questions about these terms:

Foreclosure Financial Recovery Agency
Email: [Your Email]
Phone: [Your Phone Number]
Address: [Your Address]

Foreclosure Financial Recovery Agency (FFRA)

Last Updated: [Insert Date]

This Privacy Policy explains how FFRA collects, uses, and protects your personal information when you contact us, submit an intake form, or use our services.

We only collect information that helps us determine surplus eligibility and complete your claim.

This includes:

• Full name
• Telephone number
• Email address
• Former property address
• Property Index Number (PIN)
• Date of foreclosure
• Documents required by counties (when applicable)

We do not sell or rent your information to any third party.

We use your information to:

• Conduct a surplus audit
• Verify foreclosure details
• Prepare and submit claim forms
• Communicate updates about your case
• Comply with county or court requirements

We do not use your data for marketing without your permission.

Your privacy is important to us, and so is your trust.

FFRA never charges upfront fees and never collects payment information at intake.
We only collect personal information needed to determine whether you may be owed surplus funds.

We only share your information with:

• County treasurers
• County clerks
• Trustees
• Courts
• Authorized agencies required for claim filings

We do not share information with marketers, data brokers, or external sales organizations.

We protect your information using:

• Encrypted storage
• Restricted access
• Secure transmission standards
• Industry-standard administrative safeguards

While no system is perfect, we take reasonable measures to safeguard your data.

You may request at any time:

• A copy of the information we have on file
• Corrections to inaccurate information
• Deletion of your data (unless required to complete a claim)
• Termination of services

Requests can be sent to:

[Your Email Address]
or
[Your Physical Mailing Address]

We retain case-related information only as long as necessary to:

• Complete the claim
• Meet legal or county requirements
• Maintain accurate records

After that, your data is securely deleted or anonymized.

Our website may use basic non-identifying analytics (e.g., page visits).
We do not use invasive tracking tools or sell browsing data.

Our services are not intended for individuals under 18 years old.

We may update this policy from time to time.
When changes occur, the “Last Updated” date at the top will be revised.

If you have questions about this Privacy Policy:

Foreclosure Financial Recovery Agency
Email: [Your Email]
Phone: [Your Phone Number]
Address: [Your Address]