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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