When a home is sold at a foreclosure or tax auction sale for more than what was owed, the surplus funds belong to you. 2nd Step Surplus Funds finds that money, and our attorneys file the claim for you. No upfront cost. We only get paid when you do.
When a property is sold at a foreclosure auction or tax sale, the winning bid is often higher than what was owed. That extra money is called surplus funds, overages, or excess proceeds.
The law says it belongs to the former owner, or to their heirs. But counties and courts rarely go looking for you. They hold the money and wait for a claim. If no one files, it can be kept by the state for good.
Losing the property was the first step. Getting your money back is the second.
How surplus adds up
Example only. Every case, county, and state is different.
You don't have to dig through court records, chase down county offices, or figure out legal forms. We do the work. You get the check.
We already have the property address and sale records. We confirm how much surplus is being held and who it belongs to.
The lawyers we work with walk you through every step, prepare the paperwork, and file it with the court or county for you.
Once the claim is approved, the money is released to you. Only then do we collect our small contingency fee.
We work on a small contingency fee. That means you pay nothing to start, nothing while we work, and nothing at all if we don't recover your money. Our fee comes out of the funds we recover, and we'll explain it clearly before you sign anything.
If any of these sound like you, you may have money waiting.
Your home or land was sold at a foreclosure auction or tax sale.
A loved one lost property, and the surplus was never claimed after they passed.
You owned lots, rentals, or commercial property that was sold to cover a debt.
Foreclosure and tax sale records are public. We track sales where surplus funds were left over and match them to the former owners or heirs.
Nothing up front. We charge a small contingency fee that comes out of the money we recover. If we don't recover anything, you owe nothing.
No. We have attorneys ready to walk you through the process and file all the paperwork on your behalf.
Yes, in most states. Deadlines vary by state and county, and some are short. The sooner you reach out, the better your chances.
Often, yes. Heirs can usually file a claim with documents like a death certificate and proof of relationship. Our attorneys will tell you exactly what's needed.
It depends on the county and court. Some claims are paid in a few weeks, others take a few months. We keep you updated the whole way.
Call us or email the team directly. Share your name and the property address, and we'll check for surplus funds at no cost.
Call us609-491-1363Reach out to Kris to start your claim.
kris@2ndstepsurplusfunds.comReach out to Niko to start your claim.
niko@2ndstepsurplusfunds.comNot sure if you qualify? Ask us anything.
info@2ndstepsurplusfunds.com2nd Step Surplus is a surplus funds recovery company, not a law firm. Legal services are provided by independent licensed attorneys. Fees are contingency-based and explained in writing before any agreement is signed.
This is not legal advice. The information on this website is for general informational purposes only and should not be relied on as legal advice. Viewing this site or contacting us does not create an attorney-client relationship.