1. We Find the Funds
Counties and courts publish records of foreclosure and tax deed sales that generated more money than was owed. We track these records to find surplus funds that haven’t been claimed.
Here’s the why behind it: once the government collects what it’s actually owed, that should be the end of the story — not a quiet green light to pocket everything left over. That extra money was never the government’s to keep, and it doesn’t belong sitting forgotten in a courthouse file either. It belongs to you. Shining a light into that gap and getting the money back to the people it actually belongs to isn’t just what we do — it’s a bit of a crusade for us. Call it stewardship: someone has to look out for that money until it’s back in the right hands, and that’s the job we’ve taken on.
2. We Find You
If our records show you (or a family member) may be entitled to surplus funds, we do the work of locating current contact information — the same kind of public-record research a lot of ordinary businesses do every day — so we can reach out and let you know.
3. We Handle the Paperwork
If you’d like our help, we prepare the claim, gather the documentation the county or court requires, and file it before the deadline. Every state and county has its own rules and its own forms — we know them so you don’t have to figure them out under a time crunch. We also cover every up-front cost involved in filing your claim — there’s nothing for you to pay out of pocket at any point, whether or not we recover anything for you.
4. You Get Paid
Once the county or court approves and releases the funds, your payment is sent to you. Our fee — if any funds are recovered — comes out of that payment and varies depending on the state and type of claim. If nothing is recovered, you owe nothing.
One more thing we’ll always tell you straight: if there are outstanding liens on the property — a second mortgage, an HOA lien, a judgment — those get paid out of the surplus before your payment is calculated, so what you receive can be less than the total surplus. It’s still worth claiming, though: those liens only get settled because you did. Leave the surplus unclaimed, and the government keeps it all while the liens usually go unpaid too.
How Long Does It Take?
It varies by county and by the type of sale — some claims resolve in a matter of weeks, others take longer if there are multiple claimants or extra paperwork involved. We’ll give you an honest, specific timeline for your situation once we’re working on it, not a generic promise.