01
Free Records Search
Tell us about the foreclosed property. We dig into county and court records to confirm whether surplus funds exist for your case.
Surplus Funds Recovery Specialists
The money from your foreclosed home may still belong to you.
When a property sells at foreclosure for more than what was owed, the leftover funds — sometimes tens of thousands of dollars — legally belong to the previous owner. We help families recover what's rightfully theirs.
No upfront fees — ever
You only pay if we recover
Average recovery
$12K – $85K+
per qualified case
What is Surplus Foreclosure?
When a home sells for more than the debt, the difference belongs to you.
Did you know?
Most homeowners never learn that surplus funds exist.
Surplus foreclosure funds (also called "excess proceeds" or "overage funds") are created when a foreclosed property sells at auction for more than the amount owed on the mortgage.
By law, that surplus money — minus any liens or fees — must be returned to the previous homeowner. The catch? Counties rarely notify you, claim deadlines are strict, and the paperwork is intentionally complex.
Most homeowners never even know this money exists. That's where we come in.
We find it
We monitor county records nationwide to identify unclaimed surplus funds tied to your property.
We file it
Our team handles every petition, claim form, and court filing required to recover your money.
You collect it
Once approved by the court, the funds are released to you. We only get paid when you do.
Our Process
A clear, four-step path to recovering your money.
From the first records search to the moment the check clears — we handle every step so you don't have to.
02
Verify Your Right to Claim
We confirm your identity, ownership history, and any junior liens. No claim is filed until we're confident you'll win.
03
Court Filings & Petition
Our specialists prepare and file the petition for excess proceeds with the proper court — you don't lift a finger.
04
Get Paid
Once the court approves the release, funds are disbursed to you. Our fee comes out of the recovery — never your pocket.
$14M+
Recovered for Clients
2,400+
Families Helped
48 States
Service Coverage
0%
Upfront Cost — Ever
Nationwide Coverage
Serving all 48 contiguous states.
We monitor county and court records across the continental United States. No matter where your foreclosure happened, if surplus funds exist, we can help you recover them.
Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
48
States covered
3,100+
County jurisdictions
24-hr
Initial response time
Free Claim Estimate
Find out — for free — if surplus funds are waiting for you.
Fill out the form and a recovery specialist will personally review your case within 24 business hours. There's no upfront cost — we only get paid when we successfully recover funds for you.
- Confidential & free case review
- No obligation, no upfront fees
- Typical response within 24 hours
Real Recoveries
Families who got their money back.
Real clients, real recoveries. Swipe through their stories.
$14M+ recovered
Every check we deliver helps a family take their next step forward.
"We had no idea any money was owed to us after losing our home. American Asset Recovery walked us through everything and recovered $47,000 we never knew existed."
Marcus & Diane Bell
Houston, TX
Recovered
$47,000
"Honest, kind, and zero pressure. They handled every court filing and stayed in touch the whole way. The check arrived just like they said it would."
Lisa Ortega
Phoenix, AZ
Recovered
$18,500
"I almost threw away the letter, thinking it was a scam. I'm so glad I called. Within four months they had recovered over $22,000 for my family."
Robert Hannigan
Cleveland, OH
Recovered
$22,300
"After my divorce I assumed the foreclosure was the end of the chapter. This team uncovered $61,800 in surplus funds that became the start of rebuilding my life."
Janelle Whitmore
Atlanta, GA
Recovered
$61,800
"Bilingual, patient, and incredibly thorough. They explained every step in plain language. I would recommend them to anyone facing this situation."
Carlos Mendez
Miami, FL
Recovered
$34,200
"We were skeptical at first — too many scams out there. Their transparency, no upfront fees, and clear contract won us over. The recovery came through six months later."
Priya & Sanjay Rao
Sacramento, CA
Recovered
$29,000
"After my husband passed, the foreclosure paperwork was overwhelming. They handled everything with such compassion and recovered money I didn't even know we had a right to."
Mary Catherine O'Brien
Pittsburgh, PA
Recovered
$15,400
"Fast, professional, no nonsense. They found the surplus, filed the petition, and got the check released in under five months. Easiest decision I made all year."
Devon Carter
Detroit, MI
Recovered
$41,700
Swipe to see more →
Frequently Asked
Honest answers, no legalese.
Have a question we didn't cover? Our recovery specialists are one phone call away — bilingual support available.
Bilingual Support
"We answer every question — in English or Spanish. It's our promise to you."
Erika Escobar
Vice President
Get in Touch
Talk to a real person, today.
Have a question before filling out the claim form? Drop us a note or call directly — there's no pressure and no fees to chat.