When a home is sold at a tax sale or foreclosure auction for more than the debt, the difference belongs to you — not the county. We find it, file the claim, and put that money back in your hands.
Tell us about your property and we'll research it at no charge.
No obligation. We'll respond within one business day.
Understanding the Process
Every year, thousands of properties are sold at county tax sales and foreclosure auctions across the United States. When a property sells for more than the total debt owed — the mortgage balance, back taxes, or other liens — the remaining money is called the surplus or overage.
That surplus doesn't disappear. By law, it belongs to the former property owner. The problem is that counties aren't required to hunt down former owners and hand it over. The funds sit in a government account, often for years, unclaimed.
Many former homeowners have no idea this money exists. They're focused on rebuilding after losing a home and may never think to look for leftover auction proceeds. That's exactly the gap we close.
Our Process
We handle the complexity so you don't have to. Our team manages every stage from initial research to final payout.
We search county records and auction databases to confirm whether surplus funds were generated from your property sale and determine the exact amount being held. This research is completely free.
If funds exist, we prepare and file all the required documentation with the appropriate court or county office. Every jurisdiction has its own process — we know the rules and handle it all on your behalf.
Once the claim is approved, the county disburses the funds. You receive your money directly. Our contingency fee is deducted only from what we recover — if we get nothing, you pay nothing.
Eligibility
Surplus funds aren't limited to one type of situation. If your property was taken or sold under financial duress, there's a reasonable chance money is waiting.
If unpaid property taxes led to your home being sold at a county tax auction, and the sale price exceeded the tax debt, you may be owed the difference.
When a lender forecloses and then sells your home at auction for more than the mortgage balance and fees, you may be entitled to the overage under state law.
If a family member passed away and their property was later sold at a tax sale or foreclosure auction, the heirs may have a legal right to any surplus generated.
If you lost a property years ago and aren't certain of the details, we can still search. Many people are surprised to find funds they had no idea were waiting.
We research your situation before we ask for anything from you.
Why Work With Us
Our entire model is designed so that we only succeed when you do.
You never pay us to start the process. Our fee is a contingency percentage — we only collect if we put money in your hands.
Government claim processes are complicated and vary by county and state. We know what each jurisdiction requires and we handle every document for you.
Navigating surplus fund claims requires knowledge of real estate law, court procedures, and county-specific rules. We bring that expertise to every case.
We keep you informed at every stage. No mystery timelines, no surprise fees. You'll know exactly where your claim stands from research through resolution.
Client Stories
Real people. Real funds recovered. See what former property owners have to say about working with Recovery Funds Experts.
"I had no idea there was money sitting in the county's hands from my mom's old foreclosure. Recovery Funds Experts found it and walked me through the whole claim. We recovered over $14,000 we didn't even know existed."
"The paperwork involved in claiming surplus funds is overwhelming if you try to do it yourself. They handled everything — every form, every filing, every follow-up with the county. All I had to do was sign and wait."
"I'll be honest, I was skeptical at first. I'd heard about scams targeting people who lost properties. But these folks were transparent about everything upfront — no fees until they collect — and I got a real check in my mailbox."
"From the day I signed their agreement to the day funds were in my account was less than six weeks. I expected this to drag on for months. They moved fast, communicated every step, and delivered exactly what they promised."
"Every time I had a question, I got a real answer the same day — not a form email, not a voicemail. They kept me informed at every stage and never made me feel like I was being kept in the dark. Genuinely professional operation."
"I spent almost a year trying to track down my surplus funds on my own. Every county office pointed me somewhere else and I kept hitting dead ends. Recovery Funds Experts cut through all of it in weeks. I only wish I had called them sooner."
Common Questions
Straightforward answers to what most people want to know before reaching out.
When a property is sold at a tax sale or foreclosure auction for more than the total debt owed on it, the leftover money after all debts are paid is the overage or surplus. That money belongs to the former property owner by law — but counties don't typically go out of their way to notify people it exists. Many former owners never know to claim it.
Nothing upfront. We research your situation at no charge, and if we take on your case, we work on a contingency fee basis. That means our compensation comes as a percentage of whatever we successfully recover for you. If we don't recover funds, you owe us nothing — period.
It depends on the county, the state, and the complexity of your case. Courts and county offices have their own processing times. Most claims we handle are resolved within 60 to 120 days from the time we file. Some take less time; complex cases involving multiple heirs or disputed liens can take longer. We'll give you a realistic estimate once we've reviewed your situation.
Possibly — but time matters. Every state has a deadline for claiming surplus funds, after which unclaimed money reverts to the county permanently. If your property was sold several years ago, it's worth checking quickly before that window closes. Contact us and we can research whether a claim is still available for your property.
Yes. Overage and surplus fund recovery is a recognized legal process established under state law in most U.S. states. When we identify funds for your property, those funds are on record with the county court or government office — publicly verifiable. We'll show you exactly what records we found before you commit to anything.
Get In Touch
There's no obligation to reach out. Send us your information and we'll research your property at no cost and let you know what we find within one business day.
We'll review your situation and get back to you promptly.
No upfront cost. We respond within 1 business day.