Frequently asked questions

When a foreclosed property sells at auction for more than what was owed, the extra money (the surplus) may belong to the former homeowner. Many people never find out it exists.

Start with a free review. We check the public record for your property and tell you what may be available before you commit to anything.

Nothing upfront. We work on contingency: we only get paid if you get paid, and our fee comes out of the funds recovered, never out of your pocket.

It depends on your county and whether the foreclosure was judicial or non-judicial. Most cases take a few weeks to a few months, and we keep you updated at every step.

No. We're a private recovery company. When legal filing is required, an experienced attorney is assigned to your case, and court-released funds are disbursed through an attorney trust account.

Yes. You never have to hire anyone to find out whether money is being held or to file your own claim, and the county will tell you for free. Our guide to claiming surplus funds yourself walks through it. People usually bring us in when a claim gets complicated: a deceased owner, competing liens, or a court hearing.

It depends on the state and the kind of sale. Ohio tax-sale excess is forfeited three years after it reaches the county treasury, Georgia tax-sale excess goes to the state after five years, and Florida surplus moves to the state's unclaimed property program a year after a foreclosure sale. See every deadline in one place.

Not necessarily. The money is often real, because sale records are public and companies read them. What you need to check is the offer. Our guide on how to tell if a surplus funds letter is real shows how to confirm it with the county for free before you sign anything, including with us.

We use secure intake and only request what's needed for your claim. Your details are never sold, and identifying information is kept confidential.