Surplus Recovery · Since 2015
The money left behind after foreclosure — recovered.
When a property sells at a tax or mortgage auction for more than the debt owed, the surplus belongs to the former owner or their heirs. We navigate the courts, filings, and deadlines on your behalf — with no fee unless we recover.
$14M+
Recovered
900+
Families served
No Fee
Unless we win
What We Do
Surplus funds are not a windfall. They are yours by law.
Every year, county treasurers and trustees hold millions of dollars in unclaimed surplus from tax deed and mortgage foreclosure sales. The process to recover it is deliberately procedural — filings, notices, hearings, proof of standing.
We do that work end to end, so the family who lost the property — or their rightful heirs — receives the balance owed to them.
Tax Deed Overages
Excess from county tax auction sales that exceed the delinquent balance.
Mortgage Foreclosure Surplus
Trustee's sale proceeds beyond the loan payoff, held for the former owner.
Heir Recovery
Standing established for surviving family when the original owner has passed.
Government Refunds
Overpayments, escheated funds, and unclaimed property held by public agencies.
How It Works
A four-step process, handled entirely by our team.
You sign a single contingency agreement. We do the rest.
- 01
Notification
We identify a surplus in your name and reach out with the case details.
- 02
Verification
You provide ID and sign our contingency agreement — no upfront cost.
- 03
Filing
We prepare the claim, notices, and any court motions required by your jurisdiction.
- 04
Disbursement
Funds are released directly to you, minus our contingency fee.
Client Voices
"I never would have known the money existed."
After we lost the house I had raised my kids in, I assumed that was the end of it. Elizabeth's office called, walked me through everything, and seven weeks later there was a check for more than sixty thousand dollars on my kitchen table. I still can't quite believe it.
"Professional, patient, and fluent in exactly the language the county wanted to hear."
"They handled a probate complication I couldn't have untangled myself. Grateful."
"Zero pressure, zero upfront cost, and a real check at the end. Rare combination."
Free Consultation
Find out in one call whether funds are being held in your name.
Speak directly with Elizabeth F. Gabucan. No paperwork, no obligation.