How surplus funds recovery actually works.
From the day you submit your address to the day the check clears, here's exactly what we do, how long it takes, and what we file with the court.
We verify the surplus exists
Once you submit your address, our team pulls the foreclosure docket from the county clerk's office. We confirm the final sale price, the amount owed on the original mortgage, and the exact surplus sitting in the court registry. If there's no surplus, we tell you straight — no charge, no pressure. If there is, we tell you the dollar amount and the deadline.
You sign the engagement
We send you a Contingency Fee Agreement and a Limited Power of Attorney. The agreement spells out our fee (capped by your state's surplus statute), the scope of work, and your right to cancel within 3 business days. Everything is signed electronically. You owe nothing until the county pays you.
We file the Motion to Disburse
Our team prepares the Claim of Surplus Funds, drafts the Motion to Disburse, identifies and serves notice on any junior lienholders (HOA, second mortgages, judgment creditors), and files everything with the clerk of court. We track the docket daily and respond to any objections.
The court releases the funds
Once the motion is granted, the clerk issues the disbursement to our trust account. We deduct our statutory fee, the county filing fees, and wire the balance to you within 3 business days. You receive a full accounting statement and copies of every document filed on your behalf.
What we will never do
- • Charge you an upfront fee, "filing fee," or "research fee" — our compensation is pure contingency.
- • Take a fee higher than what your state's surplus statute allows.
- • Promise you a specific dollar amount before we've verified the court record.
- • Pressure you to sign anything on the first call. You have 3 business days to cancel after signing.
- • Practice law. We are not attorneys. For complex cases involving heirs or contested claims, we refer to a licensed attorney in the relevant state.