You can claim it yourself, for free

Checklist: South Carolina, money left over after a foreclosure sale

Who holds it: The master-in-equity or other officer who conducted the court foreclosure sale

How long: Claims must be filed within 45 days after the sale officer files the statement of receipts and disbursements

How you claim: File a verified (sworn) claim to the surplus with the master-in-equity or sale officer within 45 days. A hearing decides the claims. If no one files a claim, the officer pays the mortgagor or lienor entitled to the fund.

Your deadline: ____________ (confirm it with the clerk)

Steps

1. Keep your address current with the court so you receive the Notice of Surplus Funds
2. File a verified claim with the master or sale officer within 45 days of the statement of receipts and disbursements
3. Include your name, the nature of the claim, the date it arose and the amount
4. Attend the hearing the officer sets

Documents

• Verified (notarized) claim
• Copy of state-issued photo ID (Horry County)

What it costs you

Not researched yet — ask the clerk

If someone offers to do it for you

• Fee limits: Not researched yet — ask the clerk.
• You never need to pay anyone to file.

Official links

• SCRCP Rule 71 (foreclosure; surplus, subsection (c)): https://www.sccourts.org/resources/judicial-community/court-rules/civil/rule-71/
• Horry County: Claiming Surplus Funds (foreclosure): https://www.horrycountysc.gov/media/amlfafc0/claiming-surplus-funds1.pdf