How the Surplus Funds Recovery Process Works
Every claim is a little different, but the path looks essentially the same in every state. Here's exactly what to expect.
Free claim review
You give us the basics: the property address (or county), your relationship to the property, and the approximate date of the foreclosure or tax sale. We search public records, confirm whether surplus funds exist, and let you know whether you're a likely claimant.
This step costs nothing and creates no obligation.
Agreement and authorization
If a recovery looks possible, we send you a clear written agreement. It spells out our fee (a flat percentage of recovered funds), what we will and won't do, and your right to cancel.
Nothing is signed under pressure. Take all the time you need to read it.
Document gathering
We tell you exactly which documents are required for your claim — typically things like a copy of your photo ID, a death certificate if you're an heir, the deed, and any court orders. We help you obtain anything you don't already have.
Filing the claim
We prepare and file the paperwork with the right office — a county court, a trustee, a treasurer, or the state's unclaimed property division, depending on the state.
Where required by state law, a licensed attorney files on your behalf.
Follow-up
We track the claim, respond to any requests for additional information, and keep you updated. Timelines vary widely — some claims close in 30–60 days; others take six months or more.
You get paid
When the funds are released, you receive your share. Our fee comes out of the recovered amount per the agreement.
If the claim is unsuccessful, you owe us nothing.
Common questions about the process
How long does the whole process take?
Anywhere from 30 days to over a year. Simple cases (clear ownership, no contested claims, cooperative county office) move quickly. Heir cases, contested claims, and busy counties take longer. We give you a realistic timeline once we've reviewed your specific situation.
What can I expect during the wait?
Regular updates. We don't believe in disappearing on clients. If there's no news, you'll still hear from us periodically with a status check.
What if I want to stop?
You can cancel the agreement at any time, in writing. Some agreements may have specific terms about expenses already incurred — those are spelled out in the agreement before you sign.
Ready to find out if you have a claim?
The free claim review is the entire first step. Tell us about the property and we'll let you know what we find.
Start My Free Claim Review