Surplus Funds Recovery
If a court or state is holding money in your name, we'll help you get it back.
After a foreclosure or tax sale, leftover money — called surplus funds — is often owed back to the original owner. Most people never find out. We track it down, file the claim, and only get paid if you do.
If you’ve been in a mortgage or tax foreclosure, we can search the courts to find out if you’re owed money, call us today at 201-321-4555
What We Recover
What are surplus funds?
When a property is sold at a foreclosure or tax-lien auction, it often sells for more than what was owed on the debt. The extra amount — the "surplus" — legally belongs to the prior owner.
But the money doesn't get sent automatically. It sits with the court or the state until the rightful owner files the right paperwork. Across the country, hundreds of millions of dollars in surplus funds go unclaimed every year.
If your home or a family member's home was sold at auction, there's a real chance you're owed money you don't know about.
The Process
1. We find the claim
You give us a few basic details — a name, the property address, an approximate date of sale. We pull the court and county records to confirm a surplus exists in your name.
2. We handle the paperwork
We prepare and file every document the court requires, coordinate with the right office, and stay on top of it until the money is released. You don't chase anyone. You don't pay anyone.
3. You get paid
When the funds are released, our contingency fee comes out of the recovery. You receive the rest. No recovery, no fee. Ever.
What we want you to know about Shepard
We are a family run firm built on one idea: the people who are owed this money deserve someone in their corner
Zero out of pocket cost
You never pay us up front. Our fee comes out of the recovered funds — and only if the recovery actually happens.
Our team and partnered attorneys focus on this work and only this work — so we know the county procedures, the court filing requirements, and the timelines that trip most people up.
Surplus funds is all we do
A family affair
We're a family-driven firm — not a faceless call center. When you call, you talk to a real person who's invested in your case, not a script-following agent. We treat every claim like it's our own family's money.
Full transparency
Our fee is disclosed in writing in a simple agreement before any paperwork is filed. No hidden fees. No surprise deductions.
Frequently Asked Questions
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It's a fair question — and we wish more people asked it. Surplus funds are real. They exist because foreclosure and tax-sale auctions often sell for more than the underlying debt, and the law requires the difference to go back to the prior owner. The money sits with the court or the state's unclaimed property office until someone files the right claim. We're the firm who files it.
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Nothing up front. We work on contingency — our fee comes out of whatever we recover, and only if we actually recover something. If we don't, you owe nothing. The exact fee is spelled out in writing in a simple agreement before any paperwork is filed, so there are no surprises.
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Most surplus funds claims take 60–180 days from start to payout, depending on the jurisdiction and how clean the paperwork is. We give you a realistic timeline up front, and we update you every step.
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A name, the property address, and the approximate date of the sale or foreclosure. That's enough for us to do the initial records check. If a claim exists, we'll tell you and explain the next steps very simply.
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We review claims from anywhere in the United States. Some states and counties have specific filing rules, waiting periods, or fee limits — we'll walk you through what applies to your situation before any agreement is signed.