A Simple, Risk-Free Path to Recovering Your Funds
We handle every step of the process on your behalf. You owe us nothing unless we successfully recover money for you — that's our commitment.
We Work on a Contingency Basis
That means no upfront costs, no retainer fees, and no out-of-pocket expenses of any kind. Our fee is a percentage of the funds we recover for you. If we don't recover anything, you don't pay anything. It's that simple.
What Are Foreclosure Surplus Funds — and Why Are They So Hard to Claim?
When a lender forecloses on a property and sells it at auction, the sale price often exceeds the total amount owed — the mortgage balance, accrued interest, attorney fees, and court costs. That leftover amount is called surplus funds, overage funds, or excess proceeds. By law, those funds belong to the former homeowner. But here's the problem: most people never see a dime of it.
The County Doesn't Come Looking for You
Courts and county clerks are not required to actively notify former homeowners that surplus funds exist. The money sits in a court registry or county trust account — sometimes for years — while the clock ticks on the claim deadline. Most homeowners simply don't know the funds are there.
The Claim Process Is Buried in Legal Procedure
Claiming surplus funds requires filing a formal motion or petition with the court that handled the foreclosure. Each state — and often each county — has its own specific forms, filing deadlines, evidentiary requirements, and procedural rules. A single missed step or incorrect filing can result in your claim being denied or delayed indefinitely.
Junior Lienholders Can Intercept Your Funds
If there were any junior liens on the property — second mortgages, HOA liens, judgment liens, tax liens — those creditors have the legal right to file competing claims against the surplus before you receive anything. Without someone actively monitoring and contesting those claims, your funds can be absorbed by creditors you may not even know existed.
Strict Deadlines Can Permanently Eliminate Your Rights
Every state has a statute of limitations on surplus fund claims. In many states, that window is as short as one year from the date of the foreclosure sale. Once that deadline passes, the funds are often escheated — transferred permanently to the state as unclaimed property — and your right to recover them is extinguished.
Third Parties Are Actively Trying to Claim Your Money
Surplus fund recovery is a known industry. Unscrupulous third parties — sometimes called 'surplus fund finders' — actively search court records and contact former homeowners, offering to help in exchange for exorbitant fees of 30–50% or more. Some are outright scammers. Knowing who to trust and what a fair arrangement looks like requires experience in this specific field.
Why This Isn't a DIY Process
We understand that some homeowners may wonder whether they can file a claim on their own. The honest answer: technically, yes — but practically, it's far more difficult than it appears, and the cost of a mistake is your entire recovery.
The cost of a single procedural error isn't a delay — it can be the permanent loss of your entire claim. Our contingency model means the risk of that mistake falls on us, not you.
Court filings require precise legal formatting
Surplus fund petitions must meet specific court standards. Errors in formatting, service of process, or supporting documentation are common reasons claims are dismissed.
You must know which court holds your funds
Depending on the type of foreclosure — judicial vs. non-judicial — and the state, funds may be held by a circuit court, county clerk, trustee, or state agency. Identifying the right entity requires research most homeowners have never done.
Competing lien claims require active opposition
If a junior lienholder files a competing claim, you must respond within a court-set deadline with proper legal argument. Missing that window means losing the funds to the creditor — even if your claim was valid.
Deadlines vary by state and are unforgiving
There is no universal rule. Florida, Texas, Georgia, Ohio, and every other state has different timelines, different forms, and different courts. Our team tracks these deadlines across all jurisdictions we operate in.
The process can take months — and requires follow-up
Courts move slowly. Claims require follow-up, status checks, and sometimes amended filings. Without someone actively managing your case, it can stall indefinitely in the system.
The Process, Step by Step
Free Case Evaluation — No Paperwork Required
Contact us for a free, no-obligation consultation. We gather basic information: the property address, approximate foreclosure sale date, and your contact details. That's all we need to begin.
We Search Court and County Records
Our team searches judicial foreclosure records, county clerk filings, court registries, and trustee records across the relevant jurisdiction to determine whether surplus funds were generated and are currently being held. We also identify any competing lien claims that may have been filed.
We Report Our Findings to You
If we identify funds owed to you, we present a full findings report: the amount held, where it's being held, any competing claims we've identified, and a realistic assessment of what's recoverable. We explain everything in plain language — no legal jargon.
We Prepare and File All Legal Documentation
Once you authorize us to proceed, our specialists prepare the motion or petition for surplus funds, gather all required supporting documentation — proof of ownership, identity verification, chain of title, lien subordination arguments — and file with the appropriate court or agency. We handle all competing lien responses and court correspondence.
Funds Are Disbursed Directly to You
After the court approves the claim and orders disbursement, the surplus funds are released. Our contingency fee is deducted from the recovered amount — you never write us a check out of your own pocket. The remainder goes directly to you.
What You Need to Know
Ready to Find Out What You're Owed?
Start with a free, no-obligation consultation. We'll research your case at no cost and tell you exactly what may be recoverable — before you commit to anything.
Contingency basis only — no upfront costs, no fees unless we recover for you.