There may be money left over from your foreclosure — and it may still be legally yours.
When a foreclosed or tax-sold home sells for more than what was owed, the difference doesn't belong to the county or the lender. It's often owed back to the former homeowner — and most people never find out.
No cost to check your case. No upfront fees if we take it on — you don't pay unless funds are recovered.
Where the extra money actually comes from
When a home is sold at a foreclosure or tax auction, the sale price doesn't always match the amount owed. If the winning bid is higher than the debt, court costs, and fees combined, what's left over is called a surplus — sometimes called excess proceeds or overage funds.
That surplus doesn't belong to the county, the lender, or the buyer. By law, it's generally owed back to the person who lost the property — or their heirs. It sits in a court or county account, sometimes for years, until someone files a claim for it.
Illustrative only — the actual split depends entirely on your specific sale.
Why didn't anyone tell me about this?
In most states, the court or county is supposed to attempt notice — but that notice often goes to the address of the home you no longer live in. Foreclosure is a stressful, disorienting process, and it's easy for a mailed notice to get lost, ignored, or simply never reach you.
Many former homeowners go years without knowing a surplus exists. Some money is never claimed at all and eventually reverts to the state or county. Checking costs you nothing and takes a few minutes.
Three steps, start to finish
Here's what happens when you reach out.
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01
Tell us about your case
Share basic details about the property and the sale. Takes about two minutes, no cost.
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02
We review it and take on eligible cases
We check whether your situation qualifies — and if it does, we take on your case.
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03
An attorney in our network handles your filing
The attorney working your case takes care of the required paperwork and court filing, so you don't have to. Timelines vary by state and court.
Questions people usually have
Is this legitimate, or is it a scam?
Surplus funds are a real, legally recognized category of money that courts and counties hold when a foreclosure or tax sale brings in more than what was owed. We review your case for free, and if you're eligible, we take it on — an attorney in our network handles the filing, so everything is done correctly and on time.
Why didn't the county or my lender contact me?
In many cases they're required to try, but notices go to old addresses, get missed during a stressful move, or the claim window isn't well publicized. It's common for former homeowners to never learn the money exists.
Do I need an attorney?
Requirements vary by state and court. In some cases you can file on your own, but the process involves petitions, deadlines, and documentation that an attorney is often better positioned to handle correctly and on time.
How do you get paid?
There's no cost to you for us to review or take on your case. If you're eligible, the attorney in our network handling your filing typically works on contingency — no upfront legal fee, and you only pay if funds are recovered. You'll always know the exact terms before anything is signed.
Can I file the claim myself?
In some states, yes. But the process involves specific petitions, deadlines, and documentation — which is exactly what the attorney in our network handles for every case we take on, so nothing gets missed or filed late.
What if no money exists?
Not every foreclosure or tax sale produces a surplus. If our review doesn't find eligible funds, we'll tell you directly rather than pursuing a case that isn't there.
How long does this take?
It varies by state, county, and how the specific case is handled by the court. Once we take on your case, the attorney in our network handling it can give you a realistic estimate.
Andrew Deonarine — Founder
Why this exists
Before starting Surplus Funds Recovery USA, Andrew spent half a decade working in residential real estate, where he saw firsthand how often former homeowners had no idea that money was still owed to them after a foreclosure or tax sale.
That gap — between money that's legally owed and homeowners who never learn it exists — is what this company was built to close.
Find out if you're owed money
Two minutes, no cost, no obligation. We'll let you know what we find.