Verify before you reply.
Don't take our word for it. You can confirm with the county that the funds are real, and look our firm up, before you ever reply. We'd rather you check.
If your home sold at foreclosure or tax sale, money may still belong to you.
Unsure if you're owed surplus funds, excess proceeds, or tax overages?
We help you discover and claim money owed to you with no upfront costs.
Is this real?
You don't have to take our word for it.
Healthy skepticism is a good thing. Here's how to tell a legitimate recovery firm from a scam - and how to verify us before you ever reply.
No real firm asks for money up front.
If anyone tells you to wire money, send gift cards, or pay a fee to “release” your funds, that's the scam - not us. You pay nothing unless you actually recover.
Your money comes from an official source.
The funds originate with the county or court - never out of your own pocket. Depending on your claim, they're released to you directly or passed to you through us, with our agreed fee deducted from what's recovered. The numbers are clear from day one.
It's all in writing - to protect you.
Before anything moves forward, you'll get a plain-language agreement that lays out exactly what we do and what it costs. No fine-print surprises and no pressure. Read it, ask questions, and benefit from the value of convenience.
Protect yourself
How to spot a surplus-funds scam.
There are bad actors in this space, so here's how to protect yourself - including from anyone pretending to be us. Walk away if someone:
Asks you to pay a fee, wire money, or send gift cards before you've recovered a cent.
Pressures you to sign or decide right now.
Won't put the work and the fee in writing.
Discourages you from verifying the funds with the county.
Asks for your Social Security number or bank logins.
What honest help looks like
A good recovery firm makes the whole process simple - no matter how your claim looks on the surface.
We find the funds, handle the paperwork and county filings, meet every deadline, and catch the issues that quietly derail claims - liens, competing parties, missing documents, multiple heirs - so you never have to learn a system you'll use once. You'll know our fee up front, and you pay nothing unless you recover.
The value is the same whether your case is simple or complex: your time back, the stress off your plate, and someone making sure every dollar that's yours actually reaches you.
Tell us about your situationWe'll give you a straight answer.
Did you get a message from us?
Got a call or text from us? Here's what that means.
If we reached out, it's because public county records show a property connected to you that may have surplus funds, tax overages, unclaimed funds, or excess proceeds waiting to be claimed. Foreclosure and tax-sale records are public - and so are the leftover funds - but counties are rarely efficient at tracking people down to return them.
That's the part we handle. There's no obligation in returning our call, and we're glad to answer anything before you decide a single thing.
What we help recover
The money families don't realize they're owed.
After a property is sold at a foreclosure or back-tax auction, it is common for the sale to bring in more money than the debt owed. By law, that extra money - the surplus funds, sometimes called excess proceeds, tax overages, or unclaimed state funds - belongs to the former owner or their heirs. Unfortunately, not everyone is aware of this reality.
We find it, and we help you claim it.
01
ForeclosureSurplus Funds - Left over funds when a foreclosed home sells for more than the mortgage debt.
02
Tax-Deed SaleOverages - Left over tax overages after a property is sold for unpaid taxes.
03
Unclaimed StateFunds - Unclaimed money that has been turned over to a state treasury.
04
Probate & EstateExcess Proceeds - Left over excess proceeds owed to the heirs of a former owner who has passed.
Why you were never told
If this money is mine, why didn't anyone tell me?
It's the first thing most people ask - and it's fair. Typically when there's a surplus after an auction sale; the county, on a case by case basis, is usually only required to mail a notice to the property's last known address: the very home that was just lost. So the letter goes somewhere you've already moved away from, and you never see it.
Meanwhile, there are deadlines to file a claim, and if no one acts in time, the money can be lost for good. That's why we reach out, and why sooner is always better than later.
Why people work with us
Why people choose to work with us.
We're in your corner.
We don't work for the bank, the county, or the buyer - we work only for you, and we're paid only when you recover.
No upfront fees, nothing out of pocket.
Our fee comes out of what we recover, within the limits your state allows. If there's no recovery, there's no fee.
We carry the hard parts.
Locating the funds, the paperwork, the county back-and-forth, and coordinating with our licensed attorney partners when a claim requires one.
We'll always be upfront - starting here.
You have every right to pursue your surplus funds on your own, without paying us, and we'll never pretend otherwise. Most people choose to have us handle it anyway - we do the searching, the paperwork, the deadlines, and the county back-and-forth, and you owe nothing unless the funds come through. Being straight with you is how we earn the work.
Why individuals and families choose us
Built on honesty, not pressure.
No upfront fees, ever.
We only get paid when you do - a fee is deducted from your recovered funds, never out of your pocket.
We do the heavy lifting.
We locate the funds, handle the paperwork, and work directly with the county on your behalf.
Real people who treat you like family.
When you call, you reach the owners - not a call center.
"We started Surplus Funds Discovery because we realized the gap between awareness and closure is all too common, prompting us to help assist those in need of funds recovery."
Our promise
What you can expect from us.
- Plain language and clear numbers from the first call to the final check.
- No upfront fees and no surprise charges - ever.
- Regular updates, so you're never left wondering where things stand.
- We're paid only when you are.
- Your information stays private.
Think there might be money owed to you?
Let's find out - free, and with no obligation.
Start with a free consultation
If we don't recover anything, you owe us nothing.