Tax sale overages

Tax sale overages. What Happens to the Tax Sale Overage? According to The Motley Fool, once the sale is complete and there is a tax sale overage, the amount is credited in an overage account. And there are some markets that are not so good for tax sale overages. , STE 109 Little Rock, Arkansas 72201 P. Online Tax Sales; Tax Sale FAQ; Tax Sale General Information and List of Parcels in the next Tax Sale; Report of Sale Showing Excess Proceeds for the Most Recent Tax Sale (PDF) Excess Proceeds Claim Form (PDF) List of Properties Subject to the Tax Collector's Power to Sell The collective 20+ years experience of our business operators in all things Overage, tax lien, tax deed and real estate related combined with over 50 years of legal practice is all here for you in Overages Blueprint! Feb 3, 2022 · The man who calls himself “America’s tax sale attorney” runs a program called Overages Blueprint that teaches students how to basically work as a middleman and profit from fees on foreclosed homes… Executive Offices: State Capitol Building 500 Woodlane St. It's a journey that started with an unexpected client visit and evolved into a passion for helping people reclaim their lost funds. They are the excess proceeds that remain after a county tax sale or county auction This is our flagship home-study course. After a lien has been sold, the owner of the property has two years from the purchase date to pay the taxes plus the interest (1. Apr 23, 2016 · Excess Proceeds, are also known as excess funds, tax overbids, tax overages, surplus funds, or tax lien surplus. Find out the pros and cons, the truth, and the steps to claim your excess proceeds from tax foreclosures. G. If you are the previous owner of a home that was sold at a foreclosure auction for more than what you owed, or you simply need an attorney for surplus funds recovery in Georgia , call 678-664-4878 May 22, 2016 · If your reading this article, chances are you may have received the statutorily required notice to claimaints with an interest in surplus funds subsequent to a Tax Deed sale. co. Jun 28, 2024 · Following a tax sale, any overage of funds, known as ‘excess funds,’ is placed in a separate account. But few know about the other two, less obvious opportunities created by tax sales. Jan 11, 2024 · Learn what tax sale overages are, how to claim them, and how to make money with them. OVERAGES: The Charleston County Delinquent Tax Office does not maintain a listing of overages from prior tax sales. If you have not received a letter, but would like to inquire about the possibility of available overage, please contact our office at 864-638-4147. org Tax certificate holders can estimate the cost of tax deed application and apply for tax deeds online by visiting lienhub. Click here for map > Sharon Springs Office 1950 Sharon Rd. However, if you don’t act fairly quickly, you could end up missing out on tens of thousands of dollars that are rightfully yours. when scheduled. taxsaleblueprint. Tax sale overages, also known as tax overages, occur when a property is sold at a tax foreclosure auction for an amount higher than the owed back taxes, fees, and other related costs. Tax Sales Give You Three Opportunities to Make Money. Tax sale surplus and excess funds information is provided as a convenience. com 614. After the one year escrow period expires, the […] Ex-Officio Sheriff's Deed Sales. The tax deed auction takes place once a year. The overage amount, known as ‘excess funds,’ from the tax sale of a property in which the final bid is greater than the amount due for taxes and fees, is held in escrow by the tax commissioner’s office. 3090 Excess Proceeds are funds collected through the sale of tax delinquent properties in Arkansas. Parties having an ownership or lien holder interest in the property at the time the property is sold at tax sale have a right to file a claim for any excess proceeds that remain. New York’s COVID-19 Emergency Eviction and Foreclosure Prevention Act of 2020 prevents local governments from engaging in tax foreclosures of residential property owners and small businesses with COVID-19-related financial hardships, amongst other Jan 31, 2021 · Once the property goes to auction, and the highest bid is $70,000, the government will take their $30,000, and the $40,000 is the tax sale overage. The 2023/2024 Annual Secured property tax roll is closed. (except when the first Tuesday of the month falls on a legal holiday in which case the sale is held the next business day). No later than 90 days after the sale of the property, if the amount of excess proceeds exceeds $150, the Treasurer and Tax Collector shall mail written notice of “EXCESS PROCEEDS FROM SALE OF DEFAULTED PROPERTY” to the last known mailing addresses of parties of interest in the tax-defaulted property. These funds belong to the previous owner of the property. 582, which provides: (2) If the property is purchased… Continue reading Recovering Tax Deed Surplus Funds Tax Sale Excess Funds – Claims and Distribution Information. PAMELA GUNTER P. Hours and Locations. If you use a structured buyout but give a low initial pay, you’ll fail. By Kelsey R. Tax sale overages occur when a property is auctioned off by the government to recover unpaid property taxes. 2021 Overage Claims Tax liens will not be sold individually, and Franklin County does not sell "over-the-counter" liens. Idaho Surplus Funds Laws "(b) If the property to be sold has been acquired by tax deed, pursuant to the provisions of chapter 10, title 63, Idaho Code, the proceeds from the sale, after payment of all delinquent taxes, late charges, interest and costs, including the cost for maintaining the property, shall be apportioned by the board of county commissioners to parties in The Honorable Maryellen O’Shaughnessy Franklin County Clerk of Courts Clerk. The notice of advertisement will be published once per week for four successive weeks prior to tax sale. Tax Sale Overages. The Tax Assessor-Collector’s office works in collaboration with the County Constable’s Office and collection attorneys to conduct the sale according to the Texas Property Tax Code. Download / Print Excess Proceeds from Tax Sale [PDF] Aug 12, 2021 · This is just an open honest conversation about the real truth and the work that goes into tax deed overages. , you will not be able to participate in the Collector’s tax sale and any subsequent 2019 tax sale conducted by the Collector, if any. Learn how to invest in tax overages, surplus funds that result from property owners paying more in taxes than required. As of July of 2016 Bob is actively managing $2,400,00 in overages cases of his. A search for a prior year, already paid secured property tax bill will result in “no record found’. Tax Deed & Overage Free Guidehttps://optin. Jul 5, 2024 · Please note that a tax sale overage list, excess proceeds list, and surplus funds list in Georgia are typically referred to as an excess funds list. Cumming, GA 30040 Mail is only received at the 1092 Tribble Gap Road location. Furthermore, our offices will be closed on Monday September 2, 2024, in observance of Labor Day, however our online services will remain available. They are also known as excess funds, tax overbids, tax overages, surplus funds, or tax lien surplus. Ruszkowski. These overages often go unclaimed by the rightful owner, which makes them a potential source of income for those who know how to find and claim them. We show you how to start your own Tax Overages/Excess Funds/ Surplus Funds recovery business. Unclaimed Funds Unclaimed funds held by the county include vendor payments, property tax refunds, jury/witness fees, and lost heir accounts. 2024 Tax Sale Dates are as follows: May 7, 2024 (non-judicial), September 3, 2024 (judicial), and; November 5, 2024 (non-judicial). It can then be claimed by What Are Overages? When a house is auctioned at tax or mortgage foreclosure sale, it often sells for far more than the amount due. 582 (2)(a) and 45. Nov 11, 2023 · To learn how you can have your own tax sale overages business as well as how you can buy tax liens and tax deeds as investments, I have a free mini course for you. If you have any questions, please contact Delinquent Tax at 803-533-6142. 2019 Parcel # Type Owner Excess $ Total : $74,791. Tax Deed Services Monday - Friday 8:30 a. This means that you can pay off the debt to the County or Baltimore City and clear the lien on the property after the tax sale, but it must be before the lien purchaser receives a legal judgment that forecloses your right to redeem your property. What are tax sale excess funds? For example, if you paid 30 cents on the dollar, and the property was valued at $400,000, you would need significant dollars, $120,000 maybe even $140,000. Explore the latest trends and gain valuable insights from Bob Diamond's extensive experience. The “extra” money over and above the amount due is called “Overages”, “Excess Funds”, “Surplus Funds” or “Overbids”. EST Holiday Schedule and Office Closures. A. on the day of the sale. Nov 14, 2022 · At a tax sale auction, properties are sold to the highest bidder, however, in some cases, a property may sell for more than what was owed to the county, which results in what are known as surplus funds or tax sale overages. taxsaleresou If your property has been sold at a tax sale, you may be entitled to these Overage funds. For assistance with this website, contact Realauction. Learn what tax sale overages are, how they work, and who can benefit from this strategy. Get it now for free by using the link in the description below, and I will be glad to show you more details about all the opportunities – overages, tax liens, and tax deeds. Each overage is handled on a case-by-case basis and is maintained through the physical files of the tax sale. The lien sale takes place annually between late October and early November. Hi, I'm Attorney and Investor Bob Diamond. After the sale, the funds are held in escrow for one year. Tax Sale Foreclosure Overages Local governments all over the United States are sitting on piles of unclaimed tax overage money - help the previous owners claim it and get 30-40% per deal. Auditor Main Office: 100 E Center Street Suite 3600 Provo, Utah 84606 Tax Administration Office: 111 South University Avenue Provo, Utah 84601 Sep 9, 2023 · How I Discovered Tax Sale Overages Business. May 23, 2023 · What are Tax Overages? Tax “Overages” refers to the extra money that is left over when a foreclosed property is sold at a tax sale auction for more than the amount of back taxes owed on the property. ×. levera Per NRS 361. The 2020 Tax Sale was cancelled, therefore there is no Overage Claims list available for 2020. Cumming, GA 30041 Click here for map > Property Tax Phone: (770) 781-2110 Fax: (678) 455-1207 Email: tax@forsythco. Tax Commissioner. Ted Thomas explains the process, the rules, and the opportunities for investors and property owners. Jun 26, 2018 · If there are any excess funds after paying taxes, costs, and all expenses, within 30 days of the tax sale, written notice is sent by first-class U. The notice of May 17, 2024 · Dive into the insightful world of real estate and tax sale overages with Bob Diamond. A tax sale overage is the amount of money that is left over after a delinquent property is sold at a public auction to pay off the unpaid taxes, fees, and costs. Tax sales are complex proceedings, and the County recommends that individuals seek legal advice prior to participation in the annual tax sale. Tax Sale Cancelled due to Covid. May 7, 2024 · Tax Sale Dates. 2021. The sale often generates more money than what is owed in taxes, resulting in an overage. Tax sales overages are created when a property owner fails to pay their property taxes, and the property is sold at a tax sale to satisfy the tax debt. New Window?: Yes America's Tax Sale Attorney Reveals $14 Million Daily Slush Fund🔥 Free Training Reveals How to Claim Your Share:https://www. Baltimore County properties with unpaid real property taxes, accrued interest or penalties may be auctioned at the County's annual tax sale. Hello, I'm Bob Diamond, America's Tax Sale Attorney, and today I want to share the fascinating story of how I stumbled upon the lucrative world of tax sale overages. Sarasota Main Office Historic Courthouse Apr 14, 2017 · What’s wrong with collecting finder’s fees for tax sale overages? If you work tax sale overages without an attorney, even if they provide the forms for you, you could fail most of the time. Overview. SALE DETAILS. Nov 4, 2019 · A little-known law entitles you to the foreclosure surplus funds that the county generated after the sale of your home. com Motor Vehicle 1 day ago · A TAX SALE IS THE SALE OF A TAX LIEN BY A GOVERNMENTAL ENTITY FOR UNPAID PROPERTY TAXES BY THE PROPERTY’S OWNER. Mar 6, 2023 · Excess proceeds recovery is a legal process that allows property owners to recover any surplus funds (also known as Overages) left over after a property has been sold at a tax sale. realforeclose. Jul 26, 2024 · The Basics of Tax Sale Overages. September 3rd, 2024 Judicial Tax Sale List The 2024 Kootenai County Tax Deed Auction will be held ONLINE Tuesday September 10, 2024 at 10:00AM (PT). Find out how to use Tax Sale Resources to get tax sale overage leads and data for your business. Jul 2, 2020 · Surplus Funds, in Florida, are the result of an overage of funds that are retained by the Clerk of Court after the Tax Deed or Foreclosure sale of a “real property,” as defined in Fla. . The tax certificate holder is entitled to submit a tax deed application 22 months after the year the tax certificate was issued and before seven years from the date the tax certificate was issued. 501-324-9422 | Fax. May 20, 2023 · Tax sales overages are a type of real estate investment that can yield significant profits for those who understand the process. For example, if a $400,000 property with a tax bill of $20,000 is sold at a tax sale for $80,000, the $60,000 difference is a tax sale overage. 5. Statutes 197. Our blog is your source for expert advice, reviews, and updates on everything from real estate strategies to tax sale opportunities. Florida Statute Chapter 197, indicates that the Tax Collector must start the tax certificate auction on or before June 1st. May 17, 2023 · A discussion covering the ins and outs of tax sale overage investing. An overage is typically held by the county or municipality until the rightful owner comes forward to claim it. 2024 Tax Collections / Disbursements Report; 2023 Tax Collections / Disbursements Report; Unclaimed Funds Apr 2, 2023 · Let's Get Started. View and claim available funds from the sale of tax delinquent property. (plus penalties Jul 1, 2024 · Excess funds are subject to priority claim by the mortgagee or security interest holder. 53: AVERY JENNIFER O Tax-foreclosed real property auction results are posted to this page following the annual auctions. Most investors know about the most obvious – buying at the tax sale auction. and 4 p. BOX 447 PEMBROKE, GA. 05: $4477. Claim Excess Proceeds. http://www. In addition, you may find directions and the form required to claim surplus foreclosure sale proceeds. From bid-down auctions to redemption periods, Tax Sale Resources guides investors through the maze. 032 (1)(c). 525. org There is no cost to you to claim overage funds. Additional information regarding a court record can be found by searching the case number or name on the Clerk of Courts' website. 65: All fiscal year taxes that have not been paid by the last Friday before the tax sale will be auctioned at the County's annual Tax Sale. Get access to free downloads, videos and webinars. If high bidder is making payment in the form of cashier's check or money order it must be delivered to the Tax Deed Department at the Clerk's office in the Volusia County Courthouse at 101 N. Alabama Avenue, Room A121, in DeLand, Florida, within 24 hours of the advertised time of the sale but no later than 12:00 PM ET the next business day Bob is the Managing Attorney for the Diamond Law Center and oversees the screening and performance of our network of attorneys who provide an array of services including tax sale overage recoveries. Mar 1, 2018 · TX-2017 Tax Sale 1503 sale dates February 12 - 14, 2019; TX-2017 Tax Sale 1504 sale dates April 30 - May 2, 2019; TX-2018 Tax Sale 1601 sale dates July 30 - August 1, 2019; TX-2018 Tax Sale 1602 sale dates October 29 - 31, 2019; TX-2018 Tax Sale 1603 sale dates January 14 - 17, 2020; TX-2018 Tax Sale 1604 sale dates August 18 – 20, 2020 May 5, 2024 · Make Money With Tax Sale Overages In 2024 You can make money with tax sale overages. Introduction. § 48-4-5, excess funds may be claimed by the record owner of the property at the time of the tax sale, by the record owner of each security deed affecting the property, and by any other party having any recorded equity interest or claim in such property at the time of the tax If you are wondering whether or not Bob Diamond’s program on tax sale overages is legit or a scam; here’s my honest review of the course. Fulton County Sheriff’s Tax Sales are held on the first Tuesday of each month, between the hours of 10 a. com. Mail to the following parties: (1) the owner of the property (delinquent taxpayer), (2) security deed holder, and (3) parties with a properly recorded interest in the property. gov. Jun 2, 2022 · The legislature amended the GPTA to provide individuals with a process for recouping excess proceeds arising out of a foreclosing governmental unit’s sale of a property. us/pgs/taxsalefiles. Andrews Avenue, Room GC114 • Fort Lauderdale, Florida 33301 • taxdeeds@broward. Keep reading to learn more about this Texas law and how you can claim your tax sale overages. This document provides information and procedures relative to the June 10, 2024 tax sale. These funds consist of the sale price exceeding the amount of taxes, penalties and interest due at the time of sale. Learn what tax sale overages are, how they occur, and how to claim them from the county. We reserve the right to add or cancel tax sales according to our business needs. Also, discover how to make money by helping previous owners recover their surplus funds. Effective Date: November 2023. If you would like a copy of your 2023/2024 property tax record, please visit our Contact Us page. As in all Ohio counties selling tax certificates, the bulk sale or auction of tax certificates in Franklin County is not designed for individual investors. From ACC Tax Sales Basic Information about Excess Tax Sale Funds… Under O. com or by phone at 877-361-7325. asp. Tax sale lists are made available four weeks prior to a scheduled tax sale. However, the back taxes were only $35,000 when the county tax collector auctioneer began the bidding. The Hillsborough County Tax Collector holds on online Tax Certicate Sale/Auction. Discover the nuances, pitfalls, and potential rewards of Illinois tax sales while navigating the aftermath of Tyler v. Per O. Treasurer’s Deed Information; Treasurer Reports. In Texas, the process of excess proceeds recovery can be complex, and it’s essential to have an experienced attorney on your side to ensure that you get the full The overages market is a great place for a real estate newbie to begin their career. The delinquent tax office will mail certified notification letters to anyone with available overage. 015, Tax Code, showing that the county assessor-collector of the county in which the sale is conducted has determined that: These overages are called excess proceeds. S. Tax sale overages are the extra money left over when a foreclosed property is sold at a tax sale Excess funds are subject to priority claim by the mortgagee or security interest holder. Property Tax Payment Options; Important Property Tax Dates; Property Tax Exemption Programs for Senior Citizens and Military Veterans; Tax Lien Sale Information. 501-682-1996 Email: land@cosl. Gov 614. In an online tax certificate sale the bids are transmitted and received through the HCTC Tax Lien site. Louis County that is delinquent in taxes? Learn how to participate in the annual tax sale auctions and find out the rules and requirements on this webpage. The recovery of tax deed surplus funds is governed by Florida’s Tax Deed Surplus Statute which provides, §197. Learn More Sale Date Tax Deed Number Certificate Number Amount Available Previous Owner of Record Property ID Number; 01/19/2023: 00010-2023: 9442020: $13,336. 12: AVANT CAPITAL LLC : 0667. § 48-4-5, excess funds may be claimed by the record owner of the property at the time of the tax sale, by the record owner of each security deed affecting the property, and by any other party having any recorded equity interest or claim in such property at the time of the tax Tax Overage Advocates specialize in locating and recovering overage or surplus funds remaining after a property tax or foreclosure sale. Unlike mortgage auctions, the opening bid at a tax auction is usually the amount of unpaid taxes due on the property. Sep 1, 2023 · Tax sale overages are the leftover funds from a property sold at a tax foreclosure auction. Information regarding the sealed-bid sale can also be found on the tax sale instructions linked to the right. ms. 01-01-025. 31321 Phone 912-653-3880 Fax 912-653-3831 pgunter@bryancountyga. 585 makes a claim in writing for the excess proceeds within 1 year after the deed is recorded, the county treasurer shall pay the claim or the proper portion of the claim over to the person if the county treasurer is satisfied that the person is entitled to it. § 48-4-5, you may be eligible for excess tax sale funds if one of the following applies to you: You were the owner of record at the time of the tax sale. When a property owner fails to pay their property taxes, the county or municipality can initiate a tax sale process to sell the property to the highest bidder and collect the money Are you interested in buying real property in St. Before diving into the mechanics of profiting from tax sale overages, it's essential to understand what they are. Excess proceeds from the sale of tax-defaulted property is defined as any amount that is over the minimum bid price. If you fail to register online by May 10, 2019 at 4:30 p. m. com directly at customerservice@realauction. Sep 14, 2023 · See, there are some markets that are good for mortgage overages. Discover the top 15 states for tax overages, their laws, policies, and tips for success. 13: 24-32-400-007-5001 PS 104 & PS 105 : Mining Claim : Excess proceeds are created when the final bid on a property exceeds the minimum bid, which is usually the tax liability, interest, % penalties, or fees. If the amount of the sale is less than $2,000, the Treasurer may accept a personal check as a deposit at the time of the Tax Sale with the understanding that cash or bank certified funds for the entire amount of the sale will be paid to the County Treasurer by 5:00 p. 06-01-011. 3600 FranklinCountyAutoTitle. We audit hundreds of local government agencies throughout the country to find these surplus funds. After the sale is complete, the Tax Collector's office provides a report of the final list of parcels sold at the annual Tax Sale. 19. O. If you are a third-party providing a service in an attempt to obtain these funds, all claims must be filed through the Circuit Court for Howard County for Oct 31, 2023 · About Property Tax. So if you’ve been wondering what are the best states for tax overages, that’s what we’ll be covering in today’s short post. Name Tax Map No Overage/Status; ANDREWS L R INC : 0538. Tax sale overages training is a Tax Sale Overages Training - Tax sale overages training is an excellent investment for After sufficient time from the date of the tax sale, a tax sale lien purchaser may file a complaint to foreclose all rights of redemption on the property, provided that all notice requirements under §14-833 of the Tax-Property Article of the Annotated of Maryland have been met. The record owner of the property at the time of the tax sale may claim the overage only if the property is not encumbered by a mortgage or lien, or if there are funds remaining after the mortgagee has satisfied their secured claim. The 2024/2025 Annual Secured tax bills will be available online beginning late Apr 20, 2023 · Tax sale overages refer to the excess funds generated from a tax sale that go beyond the amount owed to the government. 5% per month) accrued up to that date through the Chancery Clerk's office. Tax Sale Proceeds. BRYAN COUNTY TAX COMMISSIONER. This is really simple and straightforward. from tax foreclosures, they can be called tax sale overage, tax sale overages, tax sale proceeds, tax sale excess, overbids, remainders, excess proceeds, etc. Tax Sale Surplus and Excess Funds. Let me show you exactly how to do it. You were the owner of record of a security deed affecting the property at the time of the sale. The sale website is: https://kootenai. Our tax sales are held in front of the Chatham County Courthouse at 133 Montgomery Street, Savannah, Georgia on the first Tuesday of the month at 10:00 a. Learn how to find and claim excess proceeds from tax defaulted property auctions. 2015 Tax Sale (PDF) 2016 Tax Sale (PDF) 2017 Tax Sale (PDF) 2018 Tax Sale (PDF) 2019 Tax Sale (PDF) 2020 Tax Sale (PDF) 2021 Tax Sale (PDF) 2022 Tax Sale (PDF) 2023 Tax Sale (PDF) Tax insiders Ed & Bob Diamond show you how to massively profit from a little known tax overage trick. Visit the Tax Deed Unit or the Online Tax Deed Auction to review information on the different properties offered for sale and for future tax deed sale dates. Aug 12, 2024 · Following a tax sale, any overage of funds, known as ‘excess funds,’ is placed in a separate account. hinds. Hennepin. Review the Clerk’s Administrative Order 13-05 Electronic Tax Deed Sales Procedures for detailed information on bidding for the properties offered for sale. Individuals hoping to recover surplus proceeds from the tax foreclosure sale of a property interest must take careful steps to ensure that they file their claim correctly. May 19, 2021 · Due Process and Due Diligence: Claiming Surplus in New York’s In Rem Tax Foreclosures. Make great money for your self while helping foreclosed homeowners get back on their feet. to 5:00 p. Jun 10, 2024 · These tax sale procedures are unique to Montgomery County and may differ from those used in other Maryland counties. C. FranklinCountyOhio. id. More on redemption: In States that have redemption periods that go on after the foreclosure sale is final, you can tell if the owner redeemed the property when you open the file. Excess Funds are maintained by Weissman Law. 00: $9993. To read the complete blog post on this discussion you can visit https://www. 610 (5), if a person entitled to receive reconveyance of a property pursuant to NRS 361. An Example of a Tax Sale Overage. Start with tax sale overages, and then work your way up to more complicated funds like mortgage foreclosure overages and unclaimed estates. The Harris County Delinquent Tax Sale is the monthly public auction of real estate for past due property taxes. I bought it in 201 Apr 19, 2020 · Registration begins on or about May 1, 2019 and the deadline for registration is May 10, 2019 at 4:30 p. com/FreeTrain Oct 7, 2014 · An officer conducting a sale of real property under this subchapter may not execute or deliver a deed to the purchaser of the property unless the purchaser exhibits to the officer an unexpired written statement issued to the person in the manner prescribed by Section 34. Tax sales actually present three opportunities for you as an investor. Main Office 1092 Tribble Gap Rd. Dec 4, 2017 · Auction Results: August 18, 2021 Internet Auction #1397 View PDF December 17, 2019 Internet Timeshare Re-offer Auction #1395 View PDF September 18, 2019 Internet Timeshare auction #1395 View PDF Finance and Administrative Services Department RECORDS, TAXES, AND TREASURY DIVISION --Tax Deed Section115 S. On Friday August 30, 2024, all Treasurer-Tax Collector offices will close at 3:00 p. These finder's fees add up to a very nice income for anyone putting a full-time effort. 1 day ago · A tax sale is the sale of a Tax Lien by a governmental entity for unpaid property taxes by the property’s owner. With detailed insights and expert assistance, unlock the full potential of tax sale investing in Illinois. The difference between the sale price and the debts owed constitutes the overage. qnriv tei ufsuqk rwm fzuw cdbvrthdg wfo porkpj ntqfcral hshvm