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Recover What’s Rightfully Yours With Zero Risk.

We help former homeowners recover unclaimed surplus funds with no upfront cost. Because losing a home shouldn’t mean losing everything.

You may be legally entitled to money left over after a sheriff sale or foreclosure. We handle the paperwork, court filings, and follow-up — and you pay nothing unless funds are recovered.

5+

Years experience in surplus recovery

$12M+

Recovered for our clients

WHO THIS IS FOR?

You may qualify if:

Your home was sold at a sheriff sale or foreclosure
The property sold for more than what was owed
You were the former owner
You never claimed any leftover funds
The sale happened months or even years ago
Or you are an executor/administrator of an estate

If you’re unsure — that’s okay. We’ll check for you.

WHY SURPLUS FUNDS EXIST

When a property is sold at a sheriff sale, the law requires debts, taxes, and costs to be paid first. If the sale price exceeds those amounts, the extra money is called “surplus funds.” That money does not belong to the bank or the county — it belongs to the former homeowner. Many people never claim these funds simply because:

They were never notified
The process is confusing
Court paperwork feels overwhelming

That’s where we come in.

Why homeowners trust us

We understand foreclosure is a difficult experience. Our goal is to help you reclaim what’s already yours — with dignity and transparency.

Our Values

Integrity, transparency, and client focus are at the heart of what we do.

Our Team

Our team of seasoned recovery agents delivers precise, proactive results.

Your Path to Stress-Free Recovery

A simple, proven process

Step 1

We Check Your Case

We research public court and sheriff records to see if surplus funds are being held in your name.

Step 2

We Handle the Paperwork

If funds are available, we prepare and file the required documents with the court or sheriff’s office.

Step 3

Funds Are Released

Once approved, the county releases the funds. You receive your funds, and we receive our agreed opon success fee — only after recovery..

Zero risk recovery

You pay nothing upfront. Ever.

We also Handle Estate Cases

If the former homeowner is deceased Surplus funds must be released to the Estate, not individual family members. If you are:

An Executor
An Administrator
Or a family member unsure what to do next

We can guide you through the process and assist the Estate in recovering the funds properly.

Real People. Real Recoveries. Zero Risk.

Every situation is different — but our commitment is always the same: clear communication, no upfront fees, and results when possible.

“I didn’t even know this money existed.” “After losing my home, I thought that chapter of my life was over. Zero Risk Recovery reached out and explained that there were surplus funds in my name. They handled everything, kept me informed, and I received money I didn’t even know I was entitled to. I’m grateful for their help.” — Former Homeowner, Pennsylvania

$120,871

Recovered

Professional, honest, and respectful.” “I was skeptical at first, but they took the time to explain the process without pressure. There were no upfront costs, and everything they said matched what happened. The check came exactly as promised.” — Client, Delaware

M Webber

$48,358

Recovered

“This helped me get back on my feet.” “After my home was sold, I didn’t just lose my house, I lost stability. I was staying wherever I could and honestly just trying to survive day to day. I never imagined there could be money owed to me after everything that happened. Zero Risk Recovery reached out and treated me with dignity and respect. They explained the process clearly and didn’t ask me for anything upfront. They handled the paperwork and stayed in touch the entire time. When the funds were released, it made a real difference. It helped me secure housing and start rebuilding my life. I’ll always be grateful that someone took the time to help me recover what was already mine.” forever grateful

$71,319

Recovered

Contact us

Reach out for inquiries or to schedule a consultation.

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