Real questions homeowners ask us before they get started.
Surplus funds recovery isn't something most people deal with more than once — so it's normal to have questions. Here are the ones we hear most.
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What are surplus funds?
When a home is sold at a tax deed or foreclosure auction, the opening bid only needs to cover what's owed in unpaid taxes or mortgage balance. Auctions often sell for more than that amount — and by law, that extra money belongs to the previous homeowner, not the county or the buyer.
How do I know if I'm owed money?
You may not — that's the issue. Counties are required to send a notice, but it's often mailed to the property address itself, which you may no longer have access to. We search auction and treasury records directly to identify homeowners who are owed funds, and reach out when we find a match.
Are there any upfront costs?
No. We never charge a fee to begin your case review or to file your claim. We're paid a contingency fee only after your funds have been successfully recovered and paid to you.
What if the original homeowner has passed away?
Surplus funds can typically still be claimed by the homeowner's heirs or estate. Our research team can help identify and contact rightful heirs to begin the claim on their behalf.
How long does the process take?
It varies by county and case complexity, but most claims move through title review, documentation, and submission within a few months. We follow up regularly so the process doesn't stall.
Do I need a lawyer?
No — our team handles the filing and all legal documentation required for your claim. We are not a law firm and don't provide legal advice, but the recovery process itself is fully managed by us on your behalf.
Is this legitimate?
Yes. Surplus funds recovery is governed by state and county statutes that entitle former homeowners — or their heirs — to proceeds exceeding what was owed at the time of sale. We handle every claim through the proper legal channels with the county or state treasury.
Still have questions?
Every case is a little different. If you don't see your question here, reach out directly — a real case specialist will walk you through how it applies to your specific situation, at no cost.
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