Empowering Your Path to Financial Restoration

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Initiating Your Claim Process

Once you've spoken with one of our agents and agreed to proceed with your claim, we'll arrange for you to sign the necessary paperwork to initiate the process.

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Contingent Fee Structure: Your Success is Our Priority

Surplus Savers operates on a contingent basis, meaning there are no upfront costs to you.

We only receive payment upon successful collection of your claim.

We cover all expenses related to the claim until it's resolved, and if the claim is unsuccessful, you owe us nothing.

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Efficient Paperwork Processing and Prompt Remittance

Efficiency is our priority. Most claims reach completion within 1 to 3 months of submission. This timeframe accounts for the mandatory government verification and processing periods. We ensure every document is perfect the first time to prevent the common setbacks that can double recovery times.

Frequently asked questions

What are "Surplus Funds" and why do I have them?
Surplus funds (also known as excess proceeds) occur after a property is sold at a tax deed or foreclosure sale for more than the amount of taxes or debt owed. These "extra" funds legally belong to the previous owner, but the government is not required to actively notify you or help you claim them.
Is this a scam? Why haven't I heard from the county?

It is not a scam, but it is a time-sensitive legal process. Most government agencies hold these funds for a limited period (often 1–3 years) before they "escheat," meaning the government keeps the money forever. They rarely reach out to claimants because, if the money goes unclaimed, the agency gets to keep it.

How much does your service cost?

We operate on a contingency basis. This means there are zero upfront costs to you. We cover all legal filings, researcher fees, and administrative costs. We only receive a small percentage of the recovered funds if, and only if, we are successful. If we don’t recover money for you, you owe us nothing.

How long does the recovery process take?

Once your claim is officially submitted to the holding agency, the typical timeline for completion is 1 to 3 months. This window accounts for government verification, court audits, and the final issuance of the check. We monitor your claim weekly to ensure it moves as quickly as possible.

What do I need to do to get started?

The process is simple. First, we provide a free consultation to confirm the funds are available. If you choose to move forward, we send you the necessary recovery agreements. Once signed, our legal team takes over all the paperwork and communication with the government.

Can I claim these funds on my own?

Yes, you can technically attempt to file a claim yourself. However, the process involves complex legal requirements, strict deadlines, and specific notary standards. One small error can result in a permanent denial of the claim. Most homeowners hire Surplus Savers to ensure the paperwork is handled by experts and the funds are secured correctly the first time.

Are my funds secure?

Yes. To ensure the highest level of security, we work alongside licensed attorneys who can facilitate the disbursement of funds through protected Trust Accounts. Our legal partners ensure that all local court requirements are met for a smooth recovery.