California Surplus Funds Recovery Agency
We help homeowners, heirs, and property owners recover unclaimed foreclosure surplus funds and tax sale excess proceeds across California — with no upfront fees.
We Specialize in Foreclosure Refunds Recovery in California
SurplusFunds CA specializes in locating and recovering surplus funds (also known as foreclosure overages or excess proceeds) left after a property foreclosure sale.
We research and review records from government agencies across the United States to identify unclaimed funds that may belong to homeowners, heirs, or former property owners.
Once we locate potential funds, we notify the rightful owners and assist with the full claims process. Because surplus funds recovery can be complex and time-sensitive, we handle the research, documentation, and filing to help ensure the process is completed correctly.
Probate & Estate Surplus Funds Recovery
If you are searching for a probate attorney or help with an estate in probate court, there may also be unclaimed surplus funds connected to the property or estate.
We assist heirs, executors, and families in identifying and recovering inheritance-related surplus funds, excess proceeds, and foreclosure overages tied to probate cases.
- Probate court and estate administration cases
- Heir and inheritance claims
- Property sales during probate
- Unclaimed foreclosure surplus funds tied to estates
Real Surplus Funds Recovery You Can Verify
There are currently billions of dollars in unclaimed surplus funds held by government agencies across the country. We have helped hundreds of clients successfully identify and recover funds they were legally entitled to claim.
Many of our clients are unaware these funds even exist until we contact them and complete the research on their behalf. When claims are approved, clients receive funds that can range from hundreds to thousands of dollars depending on the case.
If you believe you may be entitled to surplus funds, contact us at (805) 265-3997 to speak with a representative and learn more about the claims process.
Our Company
The backbone of SurplusFunds CA is our experienced and honest team of skilled professionals who specialize in locating and recovering surplus funds and foreclosure overages. Our team is committed to accuracy, transparency, and helping clients recover funds they may be entitled to claim. Learn more
How It Works
The claim process begins with a thorough investigation to identify the legal claimant and any other parties who may have a valid legal interest in the surplus funds. This ensures all claims are properly verified and handled in accordance with applicable requirements. Learn more
Questions?
You may have a few questions—most people do. Below is a quick collection of common questions people ask about surplus funds and the recovery process. Learn more
Actual Refunds From Actual Clients
- Nicholas Guglielmo, Guglielmo Family Trust $14,668 recovered
- Peter Chang $18,124 recovered
- Suki Singh, Mandiala Limited Partnership $12,847 recovered
- Jaime Bejarano $2,726 recovered
- Meridith Baer $26,971 recovered
- David Natanzi $46,265 recovered
Act Quickly to Recover Unclaimed Surplus Funds Before Deadlines Expire
We handle the entire claims process from start to finish on your behalf. We work on a contingency basis, which means there are no upfront fees and we only receive a fee if we are successful in recovering funds for you.
All costs associated with the claim process, including any attorney fees when applicable, are covered by our company and paid from our recovery percentage. The client always receives the majority share of any recovered funds.
If the claim is not successful (which is rare), you owe nothing. This makes the process completely risk-free for the client.
The Recovery Process
Our first step is researching the claim and finding who the legal claimant is. The next step is getting your permission to recover these proceeds on your behalf quickly before these unclaimed funds are taken by the government agency holding them. We take a long burdensome process and transform it into a painless engagement to get our clients the money that is owed to them.
We'll prepare the paperwork and file the claim on your behalf.
SurplusFunds CA will send documents to be signed. Once that is completed, we put the complete package together and file your claim with the proper agency and we cover all the upfront costs.
The Recovery Process
SurplusFunds CA keeps you in the loop as we file the claim. We follow up with the agency twice a week and make sure everything is going as planned.
Getting Your Proceeds
When the agency finally approves the claim, SurplusFunds CA will reach out to you. When we get the check and the funds verified, we will mail out check within 15 days or sooner.
Contact Us
Services
Foreclosures
Are you being threatened with a foreclosure and want to stay in your home while you get back on your feet. We can help with that.
Surplus Funds Recovery
Surplus Funds are available to many homeowners with equity in their homes that have gone through foreclosure because...
Eviction Mediation
Eviction Notices what do you do now? We know the law and how to handle evictions from new owners. Chances are this is your...
Foreclosure Consultancy
If you have questions about saving your home from foreclosure, or getting a forbearance, our Surplus Funds team can help you.
Unclaimed Funds
Millions of Dollars are being held by the state controller. You might have unclaimed funds or someone you are related to who is deceased might have funds.
Wrongful Foreclosure
The lender MUST contact the trustor and anyone else on the mortgage loan to assess their financial situation and explore their options to avoid foreclosure...
About Us
If Our Organization Has Contacted You, It’s Because We Believe That We Have Found Money That Belong To You Or A Relative.
We’ve all heard that if it sounds too good to be true. . . it probably is.
Well, rest assured, this isn’t one of “those” things, and if you give us the opportunity, we’ll prove to you the funds we’ve identified are yours. Give us a call and let us show you what our research has uncovered. You won’t believe it until you see it. SurplusFunds CA representatives audit government agencies throughout the country, digging through their public records in search of lost, missing, and unclaimed funds belonging to private citizens.
Claims Manager
Managing Member
Frequently Asked Questions
Surplus funds, also referred to as overages or excess proceeds, are the remaining funds after a property is sold at a foreclosure auction and all outstanding debts secured by the property have been satisfied.
The trustee or responsible public agency overseeing the foreclosure sale is generally responsible for holding and disbursing these funds to the rightful claimant in accordance with applicable laws and procedures, without charging additional fees beyond those permitted by statute.
If you owned the property prior to foreclosure and believe you may be entitled to surplus funds, it is important to contact the trustee as soon as possible after the auction takes place.
The trustee’s contact information is typically listed on the Notice of Trustee Sale. If needed, a copy of this notice can be obtained from the local county recorder’s office.
Who is paid before I can access surplus funds?
Junior lienholders are paid in order of priority before any remaining funds are distributed to the former property owner or other eligible claimants.
If there is a dispute regarding lien priority or entitlement, the funds may be held and referred to the court for resolution until the matter is settled.
Trustees generally have 30 days from the date of the foreclosure auction to notify all interested parties—including second mortgage holders, tax lien holders, and other lienholders—of any potential surplus funds through mailed notice.
Once notified, interested parties typically have 30 days to submit a claim. Failure to respond within the required timeframe may result in the loss of rights to the surplus funds.
Do I have to pay someone to collect surplus funds for me?
No. The trustee responsible for the foreclosure sale is required to disburse surplus funds in accordance with applicable laws and does not charge additional fees for this process.
Foreclosure records are part of the public record, and surplus funds availability can often be identified through public notices. Because of this, third parties may contact property owners offering recovery services for a fee.
If you are contacted by a third party, it is important to verify their legitimacy, credentials, and authorization to provide surplus funds recovery services before agreeing to any representation or fees.
Once you’ve received the Notice of Deposit of Surplus Funds, you typically need to file a motion with the court that has jurisdiction over the case to request distribution of the funds. This motion is usually straightforward and is used to show that the person filing it is either the former property owner or a lienholder with a valid claim to the funds.
While the filing itself may not be complex, determining who has legal priority to the funds can be more complicated. In situations involving multiple liens or complex ownership structures, it is often helpful to have professional assistance to review the title history and determine the correct order of priority among claimants.
In general, priority is determined by lien position. This typically begins with the first mortgage, followed by any secondary or additional mortgages, then other liens such as contractor liens or court judgments. The former property owner is generally last in priority after all secured debts are satisfied.
Once all interested parties submit their claims or motions, the court reviews the filings and may request additional responses or schedule a hearing if needed. The court then determines the legal priority and orders distribution of the surplus funds accordingly. If the highest-priority claimant is the former property owner, they may be awarded the remaining surplus funds.
If no party files a claim for the funds, the court may eventually deem them unclaimed after proper notice and transfer them to the appropriate state unclaimed property authority for safekeeping.
If a property has a mortgage balance of $100,000 and is sold at a foreclosure auction for $175,000, the remaining $75,000 is considered foreclosure surplus funds (or excess proceeds).
In most cases, these funds are not kept by the lender or foreclosure trustee. Instead, they are distributed according to a legal priority order based on recorded liens against the property.
Who is entitled to the surplus funds?
The distribution generally follows this order of priority:
First mortgage lender (paid first)
Secondary or junior lienholders
Other valid liens such as tax liens or judgments
Any remaining balance is typically paid to the former property owner or other legally entitled claimant
In some situations, lienholders must properly file and comply with required procedures to maintain their claim. If they do not, their claim may be reduced or disqualified, which can increase the amount available to the former property owner.
Important note
Claiming surplus funds involves strict deadlines and procedural requirements. Even when a party is legally entitled to funds, missing deadlines or submitting incomplete documentation may affect the outcome of the claim.
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