Family home at golden hour in Collier County

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📍 Collier County · Naples, Florida

Facing foreclosure in Collier County? You have more options than you think.

Free, honest help for Collier County property owners facing tax or mortgage foreclosure — plus how to claim surplus funds you may be owed after a sale. House or land, keep it or sell it. No pressure, no fees.

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The quick facts

Collier County foreclosure — what you need to know

Foreclosure typeFlorida is a judicial state — mortgage foreclosures go through the Circuit Court.

Who runs the saleCollier County Clerk of Courts (online foreclosure & tax-deed auctions).

Surplus funds held byCollier County Clerk of Courts — claimable by the former owner.

Surplus deadlineFormer owner has priority, generally within 60 days of the clerk's notice (Fla. Stat. §45.032).

Tax deed surplusHeld by the Clerk after a tax-deed sale (Fla. Stat. §197.582).

Know all your options

Every path forward in Collier County,
explained honestly

There's rarely just one answer. Here are the real options Collier County property owners have — including the ones that don't involve us at all.

Keep your property

Loan modification, repayment plans, forbearance, or a Collier County tax payment plan may let you keep it. We'll point you to free, HUD-approved counselors near Naples who help with this.

Stay in place

Sell on the market

If you have time and equity, a traditional sale in Naples may net you the most. We'll tell you honestly when this is your best move — even though it isn't us.

Maximize price

Recover surplus funds

If your Collier County property already sold at auction for more than you owed, that extra money may belong to you — not the bank or the county. Most people never claim it.

You may be owed money

Sell fast for cash

Need to move quickly or beat the auction date? A direct cash sale — house, land, or commercial in Collier County — can close in days. One option we may offer directly, clearly disclosed, never pushed.

Speed & certainty

Deed in lieu / settlement

Handing the property back, or settling the tax debt, can sometimes protect your credit better than a full foreclosure. We'll explain when it makes sense in Collier County.

Protect credit

Just get clarity first

Not ready to decide? That's okay. Start by understanding the full Collier County picture before you do anything at all.

No pressure

Every kind of property

Help for every property type
in Collier County.

House, land, or commercial — the process differs, and so does the surplus. We cover all three here, in Collier County and across Florida.

House foreclosure in Collier County

Mortgage foreclosure on a home in Naples or nearby — your rights, the Circuit Court timeline, and how to keep it or sell before the sale.

Land foreclosure in Collier County

Vacant lot or acreage behind on taxes? Tax-deed foreclosure on Collier land works differently — and surplus funds are common here.

Commercial foreclosure in Collier County

Storefront, office, or multi-unit in trouble? Your options for commercial property in Collier County, including a fast, clearly-disclosed cash sale.

💰 The money most Collier owners never claim

Did your Collier County property sell for more than you owed?

When a property in Collier County sells at a mortgage-foreclosure or tax-deed auction for more than the debt owed, the leftover — called surplus funds — is held by the Collier County Clerk of Courts and often belongs to you, the former owner.

But there's a catch: the clock is ticking — generally 60 days from the clerk's notice under Fla. Stat. §45.032 — and others comb these records to claim it first. Most owners never even know it exists.

Check if you're owed money in Collier County

$0+

Typical surplus left unclaimed after a foreclosure or tax sale*

*For illustration. Actual amounts vary widely by property, sale, and county. We'll help you find out what (if anything) you may be owed in Collier County — at no upfront cost.

0FL Counties Covered

60Day Surplus Window

$0Cost To You

Local · Collier County

Foreclosure in Collier County

Homeowners facing foreclosure in Collier County have their cases heard in the 20th Judicial Circuit Court, with the Collier Clerk of the Circuit Court & Comptroller in Naples managing the file. Once the court enters judgment, the property is sold online to the highest bidder through collier.realforeclose.com. The auction date is set in the judgment, which is why reaching out for help before that date matters so much.

Court20th Judicial Circuit Court

ClerkCollier Clerk of the Circuit Court & Comptroller

Population416,200 (2024, approx.)

AuctionsOnline — collier.realforeclose.com

Collier County was established in 1923 and named after advertising magnate Barron Collier; by land area it is the largest county in Florida, with much of it inside the Everglades and Big Cypress National Preserve (source: Wikipedia).

Official Collier County resources: Clerk of Court · foreclosure auction portal

Questions

Collier County foreclosure FAQ

Is Collier County a judicial foreclosure county?+

Yes. Florida is a judicial foreclosure state, so a Collier County mortgage foreclosure goes through the Circuit Court and the sale is conducted by the Collier County Clerk of Courts.

How do I claim surplus funds after a foreclosure in Collier County?+

If a Collier County property sells for more than was owed, the surplus is held by the Clerk of Courts. Under Fla. Stat. §45.032 the former owner has priority to claim it — generally within 60 days of the clerk's notice. You file a claim with the Collier County Clerk with proof of prior ownership.

Can I still sell my house in Collier County after foreclosure starts?+

In most cases yes — you can sell any time before the foreclosure auction, and a sale that pays off the debt stops the foreclosure. We'll help you understand the Collier County timeline.

Get your free Collier County options guide

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Every option laid out plainly

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