Foreclosure & Tax Sale Surplus Funds
You lost the house.
You may not have lost the money.
When a home sells at foreclosure or tax auction for more than what was owed, the leftover money — the surplus — generally belongs to the former owner, or to their heirs. We help people claim it, in plain English, with one published fee.
- ✓ No upfront fees. No hourly bills. No retainer.
- ✓ 30% flat fee, published on this site — only if you get paid.
- ✓ We explain everything in plain English before you sign anything.
Illustrative. If we recovered it: fee $25,500, you keep $59,500. If we recovered $0, you owe $0. Full math →
We Understand How You Got Here
Nobody plans to lose a home.
Most of the people we help didn’t buy too much house or stop paying on purpose. They lost income — and then they lost everything downstream of it. If any of this sounds like your story, please read on. You may still be owed money.
Divorce or separation
One income became two households. The mortgage went unpaid while everything else was sorted out — then the house was sold. The equity difference may still be claimable.
Death of a spouse or partner
You lost your person and then faced the bills alone. If you or the estate owned the property, surplus funds may belong to the surviving spouse, or to the heirs.
Job loss or reduced hours
A layoff, a plant closure, a shift cut — three missed payments and the clock started. The sale price above the debt is often still yours to claim.
Medical crisis or disability
Medical bills pile up and work becomes impossible. If the home sold at auction, the surplus is not the lender’s to keep.
Family business failure
You poured everything into the business; when it failed, the property went with it. Surplus from that sale may still be recoverable.
You were an heir — did not even know
Many heirs never receive notice that a property was sold. Years later the funds may still be sitting in a court or county account, waiting.
We are not counselors, and this is not therapy — but we are humans. If you are in crisis right now, please call or text 988 (US Suicide & Crisis Lifeline) first, then come back to us. The money can wait a day. You matter more.
Our Process
Simple, transparent, and risk-free.
Free, no-pressure review
Tell us about the property. We search public records to confirm whether surplus funds exist and whether you appear entitled to them. You pay nothing, and you owe nothing.
Plain-English agreement
If there is a claim, we show you the agreement before you sign it: what we do, what it costs (30%, only on recovery), and what happens if we fail (nothing — $0). Take it home. Ask us anything.
We do the work — you see everything
We prepare and file the claim, respond to competing claims (buyers, HOAs, the IRS), and appear in court with an independent attorney when required. Every document we file is shared with you.
Your Rights
This money may already legally belong to you.
Former property owners
If you owned the home or land when it was foreclosed or sold for unpaid taxes, you are typically first in line for any surplus.
Heirs & surviving family
If the previous owner died before or after the sale, spouses, children, and heirs may claim the funds — sometimes years later.
Court-appointed representatives
Executors, administrators, and estate representatives can pursue the claim on behalf of the rightful party.
Deadlines are real and they vary by state. Some states allow only a few months to claim surplus funds; others allow several years. Miss the window and the money may go to the state — or be lost to you entirely. If you were notified (or suspect a sale happened), check now: the review is free.
The Difference
One fee. Published. No surprises.
Most recovery firms won’t tell you their fee until you’re already emotionally invested. Ours is printed right here: 30% flat, contingency only.
- ✓ 30% of the funds actually recovered — never more, never hidden.
- ✓ $0 if nothing is recovered. No costs, no expenses, no invoices.
- ✓ You may always file the claim yourself, for free, with the court or county. We never discourage that.
- ✓ The agreement is plain English — you see it before signing, and you keep a copy.
What that means in dollars
| Recovered | Our fee (30%) | You keep |
|---|---|---|
| $10,000 | $3,000 | $7,000 |
| $40,000 | $12,000 | $28,000 |
| $85,000 | $25,500 | $59,500 |
Illustrative. Court costs (if any) are advanced by us and deducted from recovery, disclosed before signing.
Common Questions
Answers to what people ask first.
If your property sold at a foreclosure or tax auction for more than the total debt and sale costs, a surplus generally exists. We confirm it by searching the court or county records — free of charge, before you commit to anything.
Nothing up front. Our only fee is 30% of what is actually recovered, and $0 if we recover nothing. No retainers, no hourly charges, no “file maintenance” fees. The math is printed on our fees page.
Yes — in every state you have the right to file the claim yourself, usually for the cost of filing fees only. We exist for people who don’t have the time, the paperwork confidence, or the legal footing to fight competing claims. If doing it yourself is realistic for you, we’ll say so.
Find out, for free, in minutes.
Tell us about the property. We’ll search the records and tell you honestly whether a claim is possible — at no cost and no obligation.