1. Services

Lucky 13 Surplus Recovery, LLC, doing business as Overage Refund Group, provides surplus fund recovery support services for former homeowners seeking to identify and reclaim excess funds left after a property foreclosure sale. Services may include public record research, claim eligibility review, documentation guidance, filing assistance, status updates, and customer support communications.

We reserve the right to modify, suspend, or discontinue any portion of our services at any time.

2. Program Description

By opting in to receive SMS communications from Lucky 13 Surplus Recovery, LLC doing business as Overage Refund Group, you agree to receive text messages related to:

• Inquiry follow ups and intake updates
• Appointment confirmations and reminders
• Document requests
• Claim status notifications
• Customer service communications
• Optional promotional or informational messages related to surplus fund recovery (if you opt in)

Message frequency varies.

3. Opt In Consent

You may opt in to receive SMS messages by submitting your phone number through our website forms, scheduling tools, intake pages, or other communication channels where SMS consent is requested. Consent is not a condition of purchase.

You must be over 18 years old to use our services or opt in to receive SMS communications.

4. Cancellations & Opt Out

You can cancel the SMS service at any time. Just text STOP to the phone number from which you receive messages. After you send the SMS message STOP to us, we will send a confirmation message that you have been unsubscribed. After this, you will no longer receive SMS messages from us.

If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

5. Help & Support

If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly at:

6. Carrier Liability

Carriers are not liable for delayed or undelivered messages.

7. Message Frequency & Cost

Message and data rates may apply for any messages sent to you from us and to us from you. You will receive variable message frequency depending on your interaction with our services.

If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

8. Age Restriction

You must be at least 18 years of age to use our services or opt in to SMS communications. By using our services, you represent and warrant that you are 18 years of age or older.

9. User Responsibilities

You agree to provide accurate and current information and to use our services only for lawful purposes. You are responsible for maintaining the confidentiality of any information you submit and for ensuring the information you provide is truthful and complete to the best of your knowledge.

10. Privacy

Your information will be handled in accordance with our Privacy Policy. If you have any questions regarding privacy, please read our privacy policy here: Privacy Policy

11. Limitation of Liability

Lucky 13 Surplus Recovery, LLC is not liable for any indirect, incidental, or consequential damages arising from your use of our services or communications.

12. Changes to SMS Terms

We may update these Terms of Service at any time. Any changes will be posted on this page with an updated effective date. Continued use of our services constitutes acceptance of any changes.

13. Governing Law

These Terms are governed by applicable laws where Lucky 13 Surplus Recovery, LLC operates.

14. Contact Information