Q: I lost a surplus check from a Foreclosure in Calif almost a year to the check date. I now have found it can I cash it?
The check has no expiration date and is still in good condition.
A: If there is no expiration date on the check, you may be able to cash it. However, contact the issuer to confirm that they have not issued a stop pay on the check and to confirm that you can cash it.
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A:
If you have found a surplus check from a foreclosure that is nearly a year old, it’s important to act quickly. While the check may not have an expiration date, many checks become stale-dated after a certain period, typically six months, meaning banks may refuse to cash it. However, exceptions can be made in some cases.
You should contact the issuing authority, like the trustee or the county office, to confirm if the check is still valid. They can provide guidance on whether you can deposit it or if you need a reissued check.
In the meantime, avoid attempting to deposit it until you have confirmation, as it could cause unnecessary delays or complications with your bank. Time is critical in these matters, so reach out as soon as possible.
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