The Process
How We Recover Your Surplus Funds
From the first search to the final check, we handle every step — so you don't have to navigate the county system alone.
What Are Surplus Overages?
When a home is sold at a foreclosure auction or tax sale for more than the amount owed on the mortgage or taxes, the extra money — called a surplus or overage — legally belongs to the former homeowner.
Unfortunately, counties are not required to notify you that these funds exist. Many homeowners never know they're owed money, and unclaimed funds eventually revert to the county. That's where we come in.
Millions of dollars in surplus funds go unclaimed every year — simply because homeowners don't know they exist.
Step by Step
The Complete Process
Free Records Search
Our specialists search public county records to identify whether surplus funds exist from your foreclosure or tax sale. This search is completely free — no obligation, no commitment.
Attorney Review & Claim Preparation
Once we confirm surplus funds exist, a licensed attorney reviews your case and prepares all required documentation. Every claim is legally sound and county-compliant.
Filing Directly with the County
We file your claim directly with the county office — leveraging our established relationships to ensure your paperwork is processed accurately and efficiently.
You Receive Your Funds
Once the county approves your claim, the surplus funds are released directly to you. We only collect our fee after you've been paid — no recovery, no fee.
Quick Answers
Common Questions
How long does the process take?
Most claims are resolved within 30 to 90 days after filing, depending on the county. We keep you updated throughout.
What does it cost?
Nothing upfront. We work on a contingency basis — we only collect a fee if we successfully recover funds for you.
What if I'm not sure I have a claim?
That's exactly what our free records search is for. We'll tell you upfront whether surplus funds exist before you commit to anything.
Ready to Find Out What You're Owed?
Start with a free, no-obligation records search. If funds exist, we'll handle everything from there.