Find a surplus-funds lawyer — or claim it yourself
The surplus is already yours, and you can often claim it for free. In many states you file directly with the court, trustee or county treasurer. Get a lawyer when the claim is contested, there are competing lienholders, heirs are involved, or you’re close to your state’s deadline. Use a licensed attorney — not a “recovery agent” charging a 20–40% upfront cut. The firms below handle these claims; this list is editorial and unpaid, no referral fees.
Try this first — free
The surplus is already yours. In many states you file a claim with the court, trustee or county treasurer directly, at little or no cost.
Many states have a statute of limitations (often ~2 years) after which unclaimed funds escheat to the state. Check your deadline first.
Avoid predatory “recovery agents”
- Be wary of any “recovery agent” who charges an upfront fee or a large percentage (often 20–40%).
- Never sign over your rights to the funds — some agents trick owners into assigning the whole surplus.
- A licensed attorney is regulated by the state bar and typically costs far less than a finder company. Free-consultation firms are common.
Surplus-funds recovery attorneys (US)
Regulated by the state bar; most offer a free case review. Confirm current practice and fee structure directly.
- Manfred Sternberg & Associates Texas (Houston)
Excess-proceeds / surplus-funds recovery after foreclosure and tax sale.
- Kohl & Cook Law Firm National guidance
Excess-proceeds claims after foreclosure sale.
- Surplus Attorneys Multi-state
Practice dedicated to foreclosure surplus / overage recovery.
- Estavillo Law California
How-to and representation for claiming surplus funds from foreclosure.
- Cate Legal Group California
Excess foreclosure proceeds recovery.
- Benenati Law Firm Florida
Recovering surplus funds after foreclosure in Florida.
- Schuyler Elliott & Associates Georgia (Atlanta)
Foreclosure surplus-funds recovery representation.
- Lopez Law Group Florida
Surplus-funds claims after foreclosure.
General information, not legal or financial advice, and not a referral or endorsement. Inclusion is editorial and unpaid. Laws, deadlines and firm practice vary by state and change — verify with the firm, your state bar, and your county. Full disclaimer. Updated 2026-08-06.