Serving all 50 states
Money left over from your foreclosure or tax sale may still be yours.
When a property anywhere in the United States sells at foreclosure auction for more than what was owed, the extra money — the surplus — is deposited with the court or county until the rightful owner claims it. We find it, file it, and recover it for you.
No upfront fees — we only get paid when you do
Court-filed claims handled start to finish
Nationwide reach — every state, every county courthouse
$4.2M+
Recovered for American families
50
US states covered
6–9 mo
Typical court timeline
$0
Upfront cost to you
Free eligibility check
Find out in two minutes if a court is holding money for you
Answer a few questions about the property and we'll review the court and county records for unclaimed surplus funds — free, confidential, and with no obligation.
- We search court surplus records and county foreclosure filings in all 50 states
- A recovery specialist reviews your case within one business day
- If there’s money to claim, we handle every court filing for you
- You pay nothing unless we recover your funds
How it works
From unclaimed money to your mailbox, in four steps
Surplus claim processes vary by state, but most run through the local court or county treasurer and typically take six to nine months. We manage every step so you don't have to navigate it alone.
We locate your funds
Tell us about the property. We search court surplus records, trustee and sheriff sale reports, and county filings across all 50 states to confirm whether surplus money exists and exactly how much is being held.
We prepare your claim
Our team gathers deeds, payoff statements, heir documentation, and lien records, then prepares a complete surplus money claim under your state’s statutes — the paperwork most claims get rejected over.
We file with the court
Your claim is filed with the court or county treasurer in the jurisdiction where the property sold, then heard by a judge. We respond to any objections from other claimants or lienholders on your behalf.
You receive your money
Once the judge signs the order, the court releases your funds. Only then is our contingency fee deducted — if we don’t recover, you owe us nothing.
Unclaimed surplus funds can eventually escheat to the state. Deadlines matter — the sooner a claim is filed, the stronger it is.
What are surplus funds?
The money most former homeowners never know they're owed
Every year, billions of dollars from foreclosure and tax sales across America go unclaimed — sitting with county treasurers and the courts because former owners were never told the money exists, or assumed the sale took everything.
Foreclosure auctions
When a foreclosed home sells at public auction for more than the judgment owed, the difference is surplus — and in every state it belongs to the former owner, not the bank.
Tax foreclosures
When a county or municipality forecloses on unpaid property taxes and the property is worth more than the debt, the former owner or heirs can claim the remaining equity.
Heirs and estates
Surplus funds don’t disappear when an owner passes away. Spouses, children, and estate representatives can claim what’s owed with the right documentation.
Nationwide coverage
Serving all 50 states, coast to coast
Surplus claims are filed in the state and county where the property was sold. We work in every US jurisdiction — from Los Angeles to Miami to Honolulu — and know the local court clerks, treasurers, and procedures in each one.
Northeast
New York, New Jersey, Pennsylvania, New England and more
Southeast
Florida, Georgia, the Carolinas, Tennessee and more
Midwest & Plains
Ohio, Illinois, Michigan, Texas, the Dakotas and more
West & Pacific
California, Arizona, Washington, Nevada, Hawaii and more
Why Surplus Funds Network
Recovery done the right way, for American families
You've already been through a foreclosure or tax sale. The claim process shouldn't be another ordeal — or another risk.
Pure contingency — zero upfront cost
Our fee is a percentage of what we recover, collected only after the court releases your money. If we recover nothing, you pay nothing. Ever.
Every state’s court procedure, mastered
Surplus claim rules differ state to state — different statutes, deadlines, and notice requirements. We file these claims in courts across the country every week — it’s all we do.
Complete, rejection-proof filings
Most self-filed claims stall over missing documents or improper notice to lienholders. Our packages are built to clear court review the first time.
We protect you from predatory offers
Some firms buy claims for pennies on the dollar. We work for a fair contingency so you keep the maximum share of your own money.
You get updates, not silence
A dedicated case manager, a real person, updates you at every milestone — verification, hearing, order signed, check issued.
Heirs and estates welcome
Claiming on behalf of a parent or spouse who passed? We handle the extra probate and kinship documentation these cases require.
Client Stories
Americans who got their money back
Real recoveries for homeowners and heirs from coast to coast — foreclosure auctions, tax sales, and estate claims in courts across the country.
“I had no idea money was sitting with the court after my mother’s house sold. Surplus Funds Network found it, handled every piece of paperwork, and the check arrived without me ever stepping into a courthouse.”
Dorothy M.
Heir claim, Florida
$38,400 recovered
“After the foreclosure I thought everything was gone. They explained the surplus process in plain English, kept me updated at every step, and never asked for a dollar upfront.”
James R.
Foreclosure surplus, Texas
$52,150 recovered
“Two other companies offered to buy my claim for a fraction of its value. This team filed it properly with the court and I kept far more of my own money. Worth every bit of the wait.”
Angela T.
Foreclosure surplus, Arizona
$27,900 recovered
“I live in Oregon now, but the property that sold was back in Georgia. They handled everything across state lines — filings, notarizations, the court hearing — and I never had to travel.”
Marcus W.
Out-of-state heir claim, Georgia
$44,700 recovered
“The county had been holding our tax sale surplus for almost two years and we didn’t know it existed. One phone call turned into a check that paid off our medical bills.”
Linda & Paul S.
Tax foreclosure surplus, Ohio
$19,850 recovered
“As the executor of my uncle’s estate I was drowning in paperwork already. They took the surplus claim completely off my plate and kept the probate court and the county treasurer straight for me.”
Rachel K.
Estate claim, California
$61,300 recovered
Testimonials reflect individual experiences; results vary by case. Names abbreviated for privacy.
Common questions
Everything people ask before they claim
Straight answers about the money, the process, and what it costs. Still unsure? Start a free check — it takes two minutes.
If your property was sold at a foreclosure auction or through a tax foreclosure for more than the total debt owed, the difference is surplus money held by the court or county treasurer. Most people are never notified. Our free eligibility check searches the court and county records for your property, in any state, and tells you definitively whether funds exist.
The court won't call you about your money. We will.
Every month surplus funds sit unclaimed, they move closer to escheating to the state. A two-minute check costs nothing and could recover thousands that are legally yours.