At Surplus Disbursement, we actively research public foreclosure records and county-held surplus listings to find individuals who may have unclaimed funds.

If you heard from us, it means there’s a strong chance you have money waiting to be claimed — money that could make a real difference, especially during difficult times.

Our goal is to help reconnect you with what's rightfully yours, providing support when it’s needed most.

Surplus funds, also known as excess proceeds, are the remaining funds from a foreclosure sale after all debts, like mortgages and liens, have been paid. If your property sold for more than the owed amount, you might be entitled to these funds. By completing our "Discover Your Funds" form, we can determine if you're eligible.​

In many cases, notices are sent to the last known address — often the foreclosed property itself. If you've moved or your updated information wasn’t on file, you may never have received the notice. At Surplus Disbursement, we specialize in locating and informing individuals about unclaimed surplus funds they may rightfully be owed.

At Surplus Disbursement, we know the process of recovering surplus funds can feel overwhelming—that’s why we’re here to make it simple, secure, and personal. Once we confirm you have funds available, we guide you with options tailored to your situation:

We can take care of everything for you, giving you peace of mind while we manage the entire process from start to finish.

If you prefer to take the lead, we’ll provide a personalized guide crafted specifically for your claim to help you file with confidence.

For quicker or simpler cases, we offer a general guide to walk you through each step with ease.

No matter your path, our mission is to stand beside you, helping you claim what’s rightfully yours—smoothly, securely, and with care..

If you choose our Done For You service, there are no upfront costs — we only collect our 15% fee after your funds are successfully issued.

We only require upfront payment for our Personalized Step-by-Step Guide (7.5% of your total claim amount) or our General Guide ($75 one-time fee).

The timeline varies depending on the county and specific circumstances but typically ranges between 30 to 90 days. At Surplus Disbursement, we keep you updated every step of the way and work diligently to help expedite the process whenever possible.

Yes, Surplus Disbursement is a reputable organization dedicated to surplus fund recovery. Our experienced team specializes in navigating the complex recovery process with transparency, professionalism, and integrity. Your trust is our top priority.

Yes, individuals can attempt to claim surplus funds independently. However, the process can be complex and time-consuming, often requiring careful attention to legal and procedural details. Many individuals who attempt to claim funds on their own unknowingly miss crucial steps, which can delay or even jeopardize their recovery. While you are absolutely able to pursue your claim independently, we do not recommend it due to these risks. Our services are designed to simplify the process, minimize errors, and help you recover your funds as efficiently as possible.

During the "Discover Your Funds" step, if we identify that you have surplus funds available, you will receive a notification via your preferred method (email or text).

Along with your results, we’ll present the service option(s) available to you, carefully matched to your specific situation.

To move forward, you must create an account and submit a claim. Within the claim submission form, you will select your chosen service option.

There is no way to select the wrong service—your available options are pre-determined based on your eligibility. Some individuals may qualify for all three service types, while others may have only one or two available.

Our priority is to guide you toward the smoothest and most successful path possible.

Once your claim is approved, the funds are typically disbursed either by check or direct deposit, depending on the procedures set by the county handling your claim. We guide you through this final step, providing clear instructions to ensure a smooth and secure transaction.