When your foreclosed home sold for more than what was owed, the extra money belongs to you by law. Most people never know it exists. We find it and recover it for you.
When a foreclosed property sells for more than what was owed, the extra money belongs to you, not the bank. We find it, we recover it, and we return it.
Contact UsFree review. No upfront cost. You only pay if we recover.
Foreclosure surplus funds are excess proceeds remaining after a sheriff sale when a property sells for more than the amount owed. These funds belong to the former homeowner and most people never know they exist.
When a home sells at a foreclosure auction for more than the mortgage balance, the excess is deposited into the court trust fund under your name. A notice is mailed, but it almost always goes to the old address and never reaches you.
In New Jersey you have up to 10 years to claim these funds. After that they transfer to the state and become much harder to recover.
During a foreclosure auction, properties sometimes sell for significantly more than the outstanding debt. The lender takes what they are owed. The remaining excess known as the surplus is deposited with the court.
The county sends notification letters to the last known address of the former homeowner. That address is usually the foreclosed home so the letter never reaches them. You can search and claim these funds yourself at no cost, we simply make the process faster, easier, and fully handled for you.
Paralegal / NJ Realtor
Helping Homeowners, Heirs, and Families Recover Surplus Funds After Foreclosure
At Evergreen Surplus Recovery, we believe that losing a home should not mean losing money that rightfully belongs to you.
When a foreclosed property sells for more than the amount owed, the remaining proceeds, known as surplus funds, belong to the former homeowner or other legally entitled parties. These funds are held until they are claimed. Unfortunately, many families never recover them simply because they are unaware the funds exist or don't know how to navigate the claims process.
THAT'S WHERE WE COME IN.
Evergreen Surplus Recovery was founded with one mission: to help homeowners, heirs, beneficiaries, and families recover the surplus funds they are legally entitled to receive.
We research foreclosure records, identify surplus funds, determine the parties entitled to claim them, prepare the necessary documentation, and guide our clients through every step of the recovery process with professionalism, integrity, and compassion.
With a background in law, real estate, and legal support, I bring a unique combination of legal knowledge, research, and real estate experience to every case. I understand that behind every file is a person or family who has already experienced a difficult chapter. My commitment is to make the recovery process as clear, respectful, and stress-free as possible while advocating for your interests every step of the way.
At Evergreen Surplus Recovery, our goal is simple: to help you recover the surplus funds that rightfully belong to you.
You have already been through enough. Let Evergreen Surplus Recovery handle the research, documentation, and claims process filed by our attorney partners while keeping you informed every step of the way.
BECAUSE WHAT RIGHTFULLY BELONGS TO YOU SHOULD NEVER BE LEFT BEHIND.
If you'd like to find out whether a foreclosure or sheriff's sale resulted in surplus funds from the sale of a property, contact Evergreen Surplus Recovery for a complimentary consultation. We'll review your situation, answer your questions, and explain the next steps.
Why Families Trust Evergreen Surplus Recovery
Unlike other recovery firms, every claim we file is backed by a licensed attorney in the applicable jurisdiction. This means your paperwork is legally sound, your rights are protected, and your claim stands the best possible chance of approval.
We have established working relationships with county offices, court staff, and superior court trust funds. We know the process, the paperwork, and the requirements which means faster filings and fewer delays for you.
We also hold an active NJ real estate license giving us deep knowledge of property records, lien priority, and the foreclosure process from start to finish.
Every claim we file is backed by a licensed attorney. Your rights are protected and your claim is handled with full legal precision from start to finish.
We work with licensed attorneys in applicable jurisdictions to file and manage all court claims on your behalf. Every filing is handled accurately, efficiently, and in full compliance with applicable court rules.
Every motion is filed correctly the first time. Every deadline is met. Every claimant's rights are fully protected throughout the process.
We help homeowners, heirs, and families recover surplus funds with professional guidance and no upfront fees.
Navigate the complex process of claiming mortgage foreclosure surplus funds. We handle everything from research to filing.
Helping heirs, beneficiaries, and families recover surplus funds through estate administration and probate-related claims.
Understanding your rights and options before, during, and after foreclosure. Knowledge is the first step toward recovery.
Helping individuals and families locate and recover unclaimed funds and assets held by government agencies.
Professional guidance and support throughout the recovery process. We advocate for your rights every step of the way.
Professional preparation of all required documents, finder fee agreements, authorization letters, and supporting documentation.
From your first consultation to your check in hand, we handle every step.
We search court records at no charge to confirm surplus funds exist and the exact amount available.
One simple contingency agreement. No upfront cost. You only pay from funds we successfully recover.
We prepare all required paperwork and arrange notarization quickly and conveniently for you.
Our licensed attorney files the motion with the court and manages all court correspondence.
Court approves and releases funds. You receive your share. Typical timeline 90 to 120 days from filing.
We combine legal expertise, investigative resources, and a client-first approach to help families recover what is rightfully theirs.
Our team combines legal background and active real estate licensure. Every case is handled with professional precision from research through recovery.
We work with licensed attorneys to file all court claims. Not a document service. Real licensed attorneys on every case.
Our fee is contingency only, a percentage of what we recover for you. If we recover nothing, you owe us nothing. Attorney fees are included.
You know the number before you sign. You know the surplus amount, your expected recovery, and our fee before signing anything. No hidden fees. No surprises. We walk you through the fee before you commit to anything.
Active NJ real estate license gives us comprehensive knowledge of property law, lien priority, and the foreclosure process from start to finish.
Time matters. Competing creditor claims and court deadlines are real. We file promptly and track every deadline without exception.
Complete transparency before you sign. You know your number before we begin.
Without Evergreen: $0. The money sits unclaimed until it eventually reverts to the state. This money already belongs to you. We simply recover it. Our fee is contingency-based, no recovery, no fee, and confirmed with you before you sign anything.
Knowledge is the first step toward recovery. Learn how unclaimed funds are created and what happens after a foreclosure.
Surplus funds are excess money from foreclosure or auction sales held by the court or government agency. They belong to the former homeowner but most people never claim them because they do not know they exist.
When a property sells at auction for more than what was owed, the extra money is deposited with the court. The county sends notice to the last known address which is usually the foreclosed property. Most former owners never receive it.
The former property owner is the primary claimant. Heirs, beneficiaries, and estate representatives may also be eligible. Junior lienholders such as second mortgage holders have priority over the former owner in some cases.
In New Jersey you generally have up to 10 years from the date of the foreclosure sale to claim mortgage surplus funds. Contact us today and we will tell you immediately whether your funds are still available.
Our team is here to help you navigate the recovery process and find the funds that rightfully belong to you.