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Our Work
Our work begins where foreclosure ends. When a home is sold at auction, it often brings in more than what was owed. That extra amount is called “surplus” or “overage”, rightfully belongs to the former homeowner. Counties don’t always make it easy to claim, and most families don’t even know the money exists.
Our job is to step in, identify those funds, and ensure they go back to the rightful owner.
We research case files, court records, and trustee reports with military-grade precision.
Every case is handled with honesty, transparency, and respect for the homeowner’s situation.
We don’t just process forms; we fight for families who’ve already been through enough.
Our mission is to bring justice where confusion often reigns. At the end of the day, we recover more than money; we restore peace of mind.
How the System Works (Counties, Courts)
When a mortgage foreclosure takes place, the property is sold at a public auction. The sale price first covers court costs, legal fees, and the lender’s judgment amount. If the property sells for more than what’s owed, the leftover balance is called a “surplus” or “excess proceeds.” By law, these funds are meant for the former homeowner or their heirs—not the county or bank. However, the process to claim them isn’t straightforward. The surplus is deposited with the court clerk or trustee, and strict deadlines apply. Filing a claim requires the right legal documents, proof of ownership, and sometimes probate if heirs are involved. Courts use legal jargon—motions, petitions, and orders—that can overwhelm anyone without legal training. If the paperwork isn’t done correctly, the claim can be delayed or denied. This is why many families never see the money that was theirs to begin with.
How We Can Help
We simplify a process that’s built to confuse. Our team identifies surplus funds immediately after auctions take place. We confirm ownership, check for liens, and prepare all required documents on your behalf. We work directly with courts, trustees, and county offices so you don’t have to. Our attorneys ensure every filing meets strict legal standards.
We guide heirs through probate when an estate is involved. We communicate clearly, cutting through legal jargon so you understand every step. We work on contingency—meaning no upfront costs, no risk to you. If funds can’t be recovered, you don’t owe us anything. With us, you gain an ally who knows the system and fights to get you what’s yours.
Can You Do It On Your Own?
Yes, you can try to claim surplus funds yourself. The courts allow it. But once you step into the process, you’ll quickly see why most people don’t.
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The paperwork is full of legal terms, strict deadlines, and court filings that aren’t written for everyday people. A single mistake on a petition or motion can cause long delays or even shut down your claim. If heirs are involved, probate courts come into play, which adds another layer of confusion.
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Some homeowners turn to attorneys for help, but many attorneys ask for large fees up front. That can mean spending thousands of dollars without knowing if you’ll ever get paid. Others may take such a high percentage that the money you receive is far less than what you were owed.
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So while it’s possible to go alone, the truth is the system isn’t designed to make it easy. It’s designed for professionals who already know how to navigate it. That’s why so many families give up & never see the money they’re entitled to as they are escheated to the state, this is one of the primary reason why the state is holding billions in unclaimed funds.
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