We handle the entire surplus claim process so you don't have to. From research to filing to payout — here's exactly what to expect.
We investigate your foreclosure sale to find out if surplus funds exist and how much you're owed — at no cost to you.
Provide your name, property address, and contact info. It takes about 2 minutes. No credit card, no commitment — just basic information so we can look up your case.
Our team accesses foreclosure sale records from your county's sheriff's office, clerk of courts, or tax collector. We verify the final auction sale price against what was owed.
If the sale price exceeded the total debt (mortgage balance + interest + fees + costs), the difference is your surplus. We calculate the exact amount.
We reach out via phone and email to share what we found. If there's surplus, we explain the next steps. If not, we let you know — with no charge.
✓ Outcome: You'll know within days whether you have surplus funds waiting, and exactly how much you're owed.
If surplus exists, we prepare and file all the necessary paperwork with the county or court on your behalf.
We send you a simple service agreement outlining our 35% contingency fee. Once signed, we get to work. There's still no upfront payment.
Our team drafts all required legal documents — petitions, affidavits, proof of ownership, and any county-specific forms. Every county has different requirements, and we know exactly what's needed.
Depending on your county, surplus claims are filed with the circuit court, clerk of courts, tax collector, or sheriff's office. We submit your complete package to the correct office.
County offices often have questions or need additional documentation. We manage all back-and-forth communication, track deadlines, and address any issues that arise.
✓ Outcome: Your claim is officially on file. The clock starts ticking toward your payout.
Once approved, the funds are released to you. We take our fee only after you receive your money.
The approving authority reviews your claim. In judicial foreclosure states, this means a court hearing. In non-judicial states, the county processes the distribution administratively.
Once approved, the surplus funds are disbursed. You'll receive a check or direct deposit from the county or court — made payable to you.
The full surplus amount comes to you first. Then you remit our 35% fee. We only get paid when you do — that's our guarantee.
This is the best part. Seeing our clients get the money they deserve is why we do this. You'll have helped us prove that the system can work for everyday people.
✓ Outcome: You receive your surplus funds. We take our 35% fee. Everyone wins.
Timelines vary by county complexity, court schedules, and case volume. We keep you updated every step of the way.
Yes. Zero upfront cost, zero hidden fees. We only get paid 35% after we successfully recover your surplus funds. If we don't recover, you pay nothing.
Most claims are resolved within 30–90 days from filing. Research takes 1–5 days, paperwork and filing 7–14 days, and approval and payout 30–90 days depending on the county.
If we research your case and find no surplus, there's no charge. Not a penny. You'll know quickly whether you have money waiting.
No. SurplusClaim handles everything for you — research, paperwork, filings, and follow-ups. You don't need any legal background or representation.
No problem. We just need your current contact info. The surplus funds follow you — they're based on the property, not where you live now.
Absolutely. If you lost your home to foreclosure, fill out the form with what you know. We'll do the research and tell you what we find — free.
It takes 2 minutes. No cost. No obligation. Just answers.
Check Your Eligibility NowKnow someone who lost their home? Refer them and earn 5% of our fee.
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