Built for the people the county forgot.
Every year, county courts across the country hold hundreds of millions of dollars in surplus funds that legally belong to former property owners. Most of those people never find out. We exist to change that.
Why we do this
When a home is sold at a foreclosure auction for more than the lender was owed, the leftover money — the "surplus" — goes into the court registry. By law, it belongs to the former owner. By practice, the clerk's office isn't required to track that person down.
The result: thousands of families every year lose their home, move out of state, change their phone number, and never learn that there's a check waiting for them at the courthouse. After a short window, junior lienholders can claim it. After a few years, it escheats to the state's unclaimed property fund and effectively disappears.
We built Surplus Advisors LLC to close that gap. We do the records research, we draft the motion, we serve the lienholders, we appear at the disbursement hearing if one is required, and we wire you the money — minus our statutory fee — when the court releases the funds.
We don't charge a dime until you get paid. If we can't recover it, you owe us nothing. That's not a marketing line. That's the entire business model.
What we stand for
Three rules. We don't break them.
Honesty over upsell
If you don't have a recoverable surplus, we tell you. If you can do it yourself, we tell you. We'd rather lose a client than mislead one.
Statute over greed
Every state caps what a surplus recovery firm can charge. We charge at or below the cap in your state. Period. No 'processing fees,' no 'rush fees,' no add-ons.
Service over silence
You get a real human as your point of contact, weekly status updates, and copies of every document we file. No black-box, no 'we'll get back to you.'
Nationwide coverage.
We recover surplus funds in all 50 states. Every state has its own statute, fee cap, and claim window — and we know them. Whether your foreclosure happened in Florida, Texas, California, Georgia, or anywhere else, we research the docket, file the motion, and only get paid when the court releases your money.