Ask us anything. We answer like humans.

Three names for the same thing: the money left over when a foreclosure, tax sale, or repossession sale brings in more than the debt owed. By law it belongs to the former owner — but it must be claimed from whoever holds it (court clerk, county treasurer, trustee, or lender), usually before a deadline.

It is verifiable in the public record: the report of sale, trustee accounting, or county excess-proceeds list shows the sale price against the debt. We run that check for free and show you the document — never just a number.

Anywhere from a few thousand dollars (vehicle repos) to six figures (equity-rich homes). Nobody can honestly tell you a number without the record — which is why our first step is verifying it, free.

Not necessarily. Some states hold funds for years or move them to unclaimed property where claims remain possible. Others forfeit fast — Texas tax overages can die at two years, some windows run one year. Check now; the check costs nothing.

Nothing upfront, ever. One contingency split of what is actually recovered, agreed in writing first, and capped by statute where states cap fees. If we recover nothing, you owe nothing.

The court or agency issues the recovery check directly to you (or your estate, for heir claims). Your money never routes through our accounts — our share settles after you’re paid.

Almost never. Administrative states are pure paperwork we handle. Motion states run through licensed local attorneys on our bench. Your job is a few signatures on your phone and an ID.

Your name, what you lost, and roughly where and when. Later: a photo ID, signatures, and for heir claims the family/estate documents — which we help coordinate.

Because a public record ties your name to a sale that may have produced surplus funds. We reach out when the math looks claimable. No pressure — the records are public and the check is free either way.

Test any firm (us included) against four structural checks: no upfront fees; numbers shown in the actual record; fees disclosed and capped where law caps them; checks issued directly to you. Anyone failing any one of those — walk away.

In simple administrative cases, you genuinely can — and when the record shows that, we’ll tell you. People hire us for verification, lien fights, estates, motion states, and deadline management, all on contingency so precision costs nothing upfront.

Never. No deed or title transfers, no bank credentials, no upfront anything. Those requests are the signature moves of recovery fraud.

Verification takes days; filing weeks; payout is set by whoever holds the funds — commonly 2–5 months in administrative states, 3–9 in motion states. You watch every step live in your portal.

Usually yes — the surplus belongs to the estate and passes to heirs. We coordinate the death certificate, relationship proof, and estate paperwork, with counsel where probate steps are required.

Same principle, different door: the lender holds the surplus under UCC § 9-615(d), in all 50 states. We demand the accounting, verify the math, and collect — contingency, $0 upfront.

Junior liens can claim in priority ahead of owners, but liens can be invalid, satisfied, or late. That fight is winnable and is exactly the kind of work we take on — never assume the surplus is spoken for.