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When Family Disconnect Meets Excess Proceeds: A Dallas, Texas Case Study
In Texas, tax foreclosures don’t end when a property is sold. Often, they leave behind excess proceeds —real money that legally belongs to the former homeowner or their heirs. Yet time and again, those funds go unclaimed, not because they don’t exist, but because families are disconnected, uninformed, or distrustful of the process. A recent Dallas County case illustrates this reality clearly. A Deceased Homeowner and a Silent Family After the passing of a Dallas homeowner, hi
Jonah Wilson
3 days ago2 min read
When Multiple Names Appear in a Texas Tax Foreclosure Case — Who Really Gets the Excess Funds?
One of the most confusing aspects of Texas tax foreclosure cases is opening a court file and seeing dozens of names attached to a single property . Family members, unrelated individuals, government agencies, and even strangers may appear on the docket. For heirs and homeowners, this often raises a critical question: “If all these people were listed, who actually has the right to the money?” This scenario is far more common than most people realize, and misunderstanding it can
Jonah Wilson
Jan 203 min read
🏠 Cook v. Harris County: Homestead Protections & Excess Proceeds in Tax Foreclosure Sales
In Cook v. Harris County , decided on January 4, 2024, by the Texas Court of Appeals (14th District – Houston), the court addressed a critical issue involving excess proceeds following a tax foreclosure sale . While not a direct challenge to homestead foreclosure, the case sheds light on how homestead protections continue to influence property rights even after the sale has occurred. ⚖️ Excess Proceeds After Foreclosure In Texas, when a property is sold at a tax foreclosure
Jonah Wilson
Jan 192 min read
When a Court Says “Denied Without Prejudice” — What It Really Means
A real Dallas County excess proceeds lesson Recently, a Dallas County excess proceeds case involving a homeowner was denied by the court. At first glance, the word denied can feel final — like the door has been slammed shut. But here’s the part most people miss. The court denied the petition without prejudice , and the reason given was “failure to offer proof.” That language matters more than people realize. “Denied” does NOT always mean “Not Entitled” In excess proceeds ca
Jonah Wilson
Jan 132 min read
What Really Happens After a Trustee Sale in Texas
(And Why It Matters to Homeowners Like You) If you’ve ever received a Notice of Trustee Sale , your first reaction is usually fear, confusion, or disbelief. That’s normal. What most homeowners don’t realize is that the trustee sale itself is not the end of the story . In fact, for many people, it’s the beginning of a separate process that determines what happens next — including whether money is left over in your name . Let’s walk through this in plain language. Step 1: What
Jonah Wilson
Dec 23, 20252 min read
Texas Excess Proceeds Explained: How Families Can Claim Money After a Foreclosure — Even When the Owner Is Deceased
Most people believe that when a home is foreclosed on, everything connected to it is gone forever. That belief costs Texas families millions of dollars every year . In reality, when a property in Texas is sold at foreclosure or tax sale, the story doesn’t always end at the auction. In many cases, money is left over — and that money legally belongs to the homeowner or their heirs. These funds are called excess proceeds or surplus funds . This article explains how excess pro
Jonah Wilson
Dec 20, 20253 min read
When a Loved One Passes and the Home Is at Risk: What Texas Families Need to Know
Just imagine this for a moment… A parent passes away. The house is still in their name. Maybe there’s no will. Maybe multiple heirs are involved. And just as the family is trying to grieve and figure things out, a letter from the mortgage company shows up: “Payment past due.” “Foreclosure scheduled.” It hits fast. It hits hard. And most families have no idea what to do next. That’s where our work begins. Why This Happens So Often in Texas Have you ever noticed how nobody teac
Jonah Wilson
Dec 6, 20253 min read
💡 What Is a Mortgage, Really? (Finally Explained in Plain English)
Have you ever noticed how the word “mortgage” feels heavy?Almost like it comes with its own storm cloud of paperwork and stress? Let’s clear that up — once and for all — in a way even a 7-year-old could understand. 🏠 A Mortgage Is Just a Promise With a Safety Guard Imagine someone wants to buy a house. They don’t have all the money upfront. So they make a deal: “I’ll borrow the money now, and I promise to pay it back little by little.” Simple, right? But here’s the importan
Jonah Wilson
Dec 2, 20252 min read
The Night Before Texas Takes Your House”
(Monday, Dec 1 — the day before Super Tuesday) Have you ever noticed how quiet a house gets the night before Super Tuesday?Almost like the walls know what’s coming. Just imagine this… I got a call last year from a man in Houston who said seven words I’ll never forget: “They’re selling my house tomorrow at 10.” No warning. No lead-up. Just a man who finally cracked under the pressure of pretending everything was fine. His voice was shaking — but not for the reason you’d expect
Jonah Wilson
Dec 1, 20252 min read
Why Your Money Is Safer With Us: How Texas Law Protects Your Surplus Funds, Probate Funds, and Foreclosure Proceeds
Have you ever noticed how stressful it feels when someone says, “Don’t worry, your money is safe”… but they can’t clearly explain how ? Most homeowners feel that way when dealing with foreclosure overages, probate funds, or court-released money. And that uncertainty is exactly why we take a different approach. Just imagine a process where: Your funds never touch a company’s personal account. Everything sits in a regulated legal trust account. Money only moves when the law say
Jonah Wilson
Nov 25, 20252 min read
Transfer on Death Deeds in Texas: A Powerful Tool to Avoid Probate
When families face the loss of a loved one, the last thing they want is a long, expensive probate process just to transfer ownership of a home. Texas offers an alternative that can simplify everything: the Transfer on Death Deed , often called a TODD. This tool, governed by Texas Estates Code Chapter 114 , allows real property to pass directly to chosen beneficiaries— without probate —as long as the rules are followed. Below is a clear breakdown of how TODDs work, why they ma
Jonah Wilson
Nov 23, 20253 min read
When Foreclosure Doesn’t End the Story: The Texas Supreme Court Clarifies Contract Rights in Steelhead Midstream v. CL III
In the world of Texas real estate, oil & gas, and pipeline ownership, disputes often blend contract obligations with lien rights and foreclosure actions . But what happens when one party uses foreclosure to force payment — while the other claims the real fight is really a breach of contract ? The Texas Supreme Court recently answered that question in Steelhead Midstream Partners, LLC v. CL III Funding Holding Company, LLC , and the ruling has major implications for joint ve
Jonah Wilson
Nov 18, 20254 min read
Understanding Home Equity and Reverse Mortgage Foreclosures in Texas: Rules 735 & 736 Explained
Have you ever wondered why foreclosing on a home equity loan isn’t exactly the same as a standard mortgage? Or why reverse mortgages follow their own set of rules? In Texas, the process is guided by Rules 735 and 736 of the Texas Rules of Civil Procedure , which were created specifically for these types of loans. Let’s break it down so it makes sense. Why Texas Needed Special Rules Foreclosures can be complex, but home equity loans and reverse mortgages have unique protection
Jonah Wilson
Nov 18, 20252 min read
How Barbara Technologies Corp. v. State Farm Reshaped Texas Insurance Law — And What It Means for Homeowners
“I’ve paid premiums for years… but why is my insurance dragging its feet?” To understand why delays happen — and how the law actually protects homeowners — you don’t need theory. You need a real case that exposed what happens behind the scenes. One of the most important cases in recent Texas history is Barbara Technologies Corp. v. State Farm Lloyds , decided by the Texas Supreme Court in 2019. This ruling changed the landscape for how insurers handle claims and how much powe
Jonah Wilson
Nov 17, 20253 min read
How Insurance Companies Use Lobbying to Drive Up Home Insurance in Texas
Imagine this: a homeowner in Houston or Dallas, with no recent claims, opens their renewal notice — and their premium jumped by 15% or more. They’re furious, but also bewildered. Why is this happening when nothing catastrophic hit their property? The real answer lies not just in weather or inflation, but in lobbyists , legislative influence , and a system built to favor the insurance industry. The Quiet Power Move: Lobbying Behind Closed Doors Insurance companies don’t just
Jonah Wilson
Nov 16, 20254 min read
How Insurance Companies Quietly Influence Laws — And Why Homeowners in Texas and Florida Are Feeling the Impact
Have you ever noticed how your home insurance bill keeps climbing… even if you’ve never filed a claim?Most homeowners think it’s just storms, inflation, or “the market.” But there’s a deeper layer to the story — one that rarely gets talked about. Behind the scenes, insurance companies are shaping the laws that decide how much they can charge you and how little they’re required to cover. The moves look subtle on paper, but the impact hits your wallet directly. Let’s break thi
Jonah Wilson
Nov 15, 20254 min read
Facing Foreclosure in Texas? Know Your Rights Under Property Code 51
Foreclosure is a stressful experience, but understanding your legal rights can be the first step to protecting your home and your...
Jonah Wilson
Jun 6, 20252 min read
“Super Tuesday Ain’t So Super When It’s Your House on the Steps: What They Don’t Tell You About Foreclosure Auctions in Texas”
🔊 The Sound of a Silent Crisis They call it Super Tuesday. In most of Texas, that means politics or polling places. But for tens of...
Jonah Wilson
Jun 2, 20253 min read
🏠Foreclosure Prevention: What You Can Do Before It’s Too Late
By Jonah Wilson | National Overages Finders Alliance (NOFA) "Business Is Service." If you're behind on your mortgage—or know someone who...
Jonah Wilson
May 30, 20252 min read
🏛️ What Happens to Unclaimed Money in Texas? A Look at Property Code Section 74.601
By Jonah Wilson | National Overages Finders Alliance (NOFA) “Business Is Service.” If you've ever wondered where your money goes after a...
Jonah Wilson
May 27, 20253 min read
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NOFA is a client-focused real estate support service specializing in surplus funds recovery, foreclosure consulting, and asset protection strategies. We assist heirs, former property owners, and distressed homeowners in navigating complex claims processes with professionalism, integrity, and care. Our services include document preparation, negotiation support, case tracking, and public records research.NOFA is not a law firm, attorney referral service, CPA firm, or financial institution. We do not offer legal, tax, or financial advice. All information and services provided are for informational purposes only and are not intended as a substitute for professional legal, tax, or financial counsel. Clients are encouraged to consult with licensed attorneys or financial professionals where appropriate.
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