Available in all 50 states — nationwide coverage

There's money
waiting for you
after foreclosure.

When your home sold for more than you owed, the difference is legally yours — not the bank's. The average claim is $47,800. We handle the paperwork. You collect the check.

Start my claim — free See how it works
No lawyer needed Flat $500 — no percentage cuts Bank-level encryption
Start your claim
Free to start
Tell us where the property is. Next you'll upload your foreclosure documents — our AI reads them and fills the court forms for you.
Free to start · you only pay when your packet is ready
Recently recovered · updated live
$0
Average claim recovered
$0
Unclaimed nationwide
0
Average time to check
0
Filings accepted first time
How it works

From foreclosure paperwork
to deposited check.

Four guided steps. Average 22 minutes to file. No legal jargon, no hidden fees, no guessing.

01
Tell us your state
Pick your state and county. We'll preload the exact forms your court requires.
~ 1 minute
02
Upload your docs
Drag in your foreclosure notice. Our AI extracts docket numbers, parties, and sale amounts automatically.
~ 3 minutes
03
Review your packet
Motion, order, and exhibits — court-formatted and fully editable. Verify and sign.
~ 10 minutes
04
File & collect
Follow our filing guide. Track every deadline. Collect your check — it's wired to your bank.
~ 30–90 days
Surplus vs. a lawyer

Keep 90% more of what's yours.

Foreclosure recovery firms charge 30–50% contingency. On a $50,000 claim, that's $15,000 — $25,000 out of your pocket. We charge a flat fee.

Hiring a recovery firm

The traditional route
30–50%
of your surplus — taken as contingency
  • $15,000–$25,000 fee on a typical claim
  • Weeks of phone tag and signed contracts
  • You hand over your case — no visibility
  • No guarantee they'll even take your case

Filing with Surplus

Same outcome. 99% more of your money.
$500
one-time — or $42/mo for 12 months
  • Keep 99%+ of your surplus
  • File in under 30 minutes, start to finish
  • Live case tracker and deadline alerts
  • AI-generated, court-formatted packets
  • Start free — pay only when packet is ready
The system

Built for people, not paralegals.

Every feature is designed to take something complicated and make it obvious. No law degree required.

Court-ready packets

Motions, orders, exhibits — formatted to the exact specification of your county's court system.

Document AI extraction

Upload your judgment. AI reads docket numbers, sale amounts, and parties — no retyping.

Deadline alerts

Most states give you 6 months to claim. Miss it and the money is gone. We never let that happen.

Step-by-step wizard

Plain-English guidance. No legal terminology. Every question explained in context.

Bank-level security

Your docs are encrypted end-to-end. We never share, sell, or see more than we need.

Human support when stuck

Real people on chat and email. We'll walk you through filing if you hit a wall.

"
I lost my house in 2023 and didn't know there was $39,000 sitting in the court for me. I'd have paid a lawyer half of it. Surplus helped me file myself in one afternoon. Check cleared six weeks later.
DR
Daniel R.
Recovered $39,200 · Essex County, NJ
Questions

What most people ask first.

Yes — it's public law. When a foreclosed home sells for more than the debt owed (including fees and interest), the difference is called "surplus funds" and it legally belongs to the former owner. Billions sit unclaimed in court escrow every year. We'll check your county's records for free.
Two ways to pay: free if you file it yourself, or $500 one-time for the full auto-generated, court-ready packet — also available as $42/mo for 12 months ($504 total, then it's paid off). You only pay when your packet is ready, and never a percentage of your recovery. See full pricing.
Filing takes about 30 minutes. Courts typically rule within 30–90 days after you file. Most people see their funds disbursed within 2–3 months of filing.
Yes — states typically give former owners 6 months to 5 years depending on jurisdiction. After that, unclaimed funds escheat to the state. We flag your deadline the moment you start.
No. Surplus is a document-preparation platform. We're not a law firm and we don't give legal advice. We generate forms for you to review and file. If you want legal advice, we recommend consulting an attorney licensed in your state.
94% of Surplus filings are accepted on first submission. If yours isn't, we'll help you understand why and refile — at no extra cost.
Don't leave it sitting

The money expires
if you don't claim it.

Every year, hundreds of millions in surplus funds escheat to state governments because former owners never file. Take 30 seconds now.

Start my claim — free →
Results in 30 seconds · Available nationwide

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