⚠️ Time-Sensitive: Surplus funds may expire if not claimed in time. Check if you have funds →
You May Be Entitled to Thousands in Surplus Funds
Many homeowners don't know they may have money waiting for them after foreclosure. We help you recover what's rightfully yours—at no upfront cost.
Success Rate
Recovered for Clients
States Served
Free Evaluation
Our simple 4-step process to recover your surplus funds
We research your case at no cost and determine if you have funds available
We locate and verify your surplus funds and prepare all required legal paperwork
We file claims with courts and attend hearings on your behalf
Once approved, funds are released and you receive your check!
Separating fact from fiction about your foreclosure rights
Many people believe foreclosure means losing all equity, but this is false.
✓ Fact: If your home sold for more than you owed, the surplus legally belongs to you.
Some think there's a deadline to discover surplus funds, but that's not true.
✓ Fact: You have the right to claim surplus funds regardless of when you learned about them—unless the statutory deadline has passed.
Banks and lenders are only entitled to what they're owed, nothing more.
✓ Fact: Any excess funds must be held for the former homeowner, not kept by the lender.
You could try to claim on your own, but it's complex and time-consuming.
✓ Fact: We work on contingency—you pay nothing unless we recover your funds. No legal fees upfront.
While there are deadlines, many people don't realize they still have time.
✓ Fact: In many states, you have several years to claim. But don't wait—deadlines vary by state!
Actually, heirs and other parties may also be entitled to claim surplus funds.
✓ Fact: Heirs, spouses, and other interested parties may be eligible to claim in certain situations.
Surplus funds, also known as excess proceeds or "overage," are the amount of money left over after your foreclosed home has been sold at auction and all lenders have been paid. They are essentially the remaining equity that you had in the property.
Your Surplus Funds
$60,000
This money belongs to YOU!
⚠️ Important: This money belongs to you, but many people don't know they can claim it. Funds may expire if not claimed in time.
If any of these situations apply to you, you may have unclaimed money waiting
Whether through mortgage foreclosure or tax sale, if your property was sold, you may have surplus funds.
Recent foreclosures (within 1-5 years) have the best chance of recovery, but older cases may still qualify.
Heirs of deceased property owners may be entitled to claim surplus funds from foreclosed properties.
Second mortgage holders and other lienholders may also be entitled to recover surplus funds in certain cases.
Not all recovery companies are created equal. Here's what sets ECA apart from the rest.
We never charge upfront fees. You only pay if we successfully recover your funds. If we don't recover, you don't pay. It's that simple.
Our network of attorneys and recovery specialists has an exceptional track record. We know exactly what it takes to win your claim.
We handle everything from start to finish. You just sign the documents and receive your check. No stress, no hassle.
We work with experienced attorneys who specialize in surplus recovery. Your claim is in capable hands from day one.
Your information is never shared or sold. We maintain strict privacy protocols to protect your sensitive personal and financial data.
You're not just a file number. Every client gets a dedicated recovery specialist who keeps you informed throughout the entire process.
Our track record speaks for itself. We've helped hundreds of families recover millions in surplus funds.
Success Rate
Our network wins over 94% of claims
Funds Recovered
Millions returned to rightful owners
Clients Helped
Across Florida and beyond
Years Experience
A decade of expertise in recovery
Accredited Business
A+ Rating
✓ No Upfront Fees
✓ Free Consultation
✓ 100% Confidential
Real people. Real results. See how we've helped families recover what's rightfully theirs.
John D.
Jacksonville, Florida
"I had no idea I was owed money after my foreclosure. They found $32,000 that I didn't know existed. The process was so easy!"
✓ Recovered: $32,000
Maria S.
Houston, Texas
"After losing my home, I thought that was it. Turns out I had over $45,000 waiting for me. Thank you for fighting for me!"
✓ Recovered: $45,500
Robert M.
Los Angeles, California
"Professional, caring, and thorough. They handled everything and kept me informed every step of the way. Highly recommend!"
✓ Recovered: $28,750
Funds can be lost forever if not claimed in time.
The court holds your money for a limited time before it escheats to the state. Every day that passes is a day closer to potentially losing what's rightfully yours.
✓ Free consultation • No upfront fees • We only get paid if you recover funds