Foreclosure Surplus Recovery
Recover the wealth that is
rightfully yours.
When a foreclosure sale exceeds the debt owed, a surplus remains — and it belongs to the former owner. Most people never know it exists. We locate it and pursue recovery on your behalf.
No upfront cost — 100% contingency-based. We handle everything start to finish.
“Surplus funds from a foreclosure sale are legally yours — until the time to claim them runs out.”
$0
Upfront Cost
No fees until funds are recovered on your behalf.
60 – 180
Days to Recovery
Typical timeline from inquiry to disbursement.
100%
Contingency Basis
If we don't recover, you owe nothing — no exceptions.
The Opportunity
Funds the government isn't required to tell you about.
When a foreclosure sale produces more than the debt owed, the surplus belongs to the former owner — not the lender or the court. These funds are held until claimed, but most owners never know they exist.
No one is required to tell you this money exists. Horizon Recovery locates your funds and pursues the claim before the window closes.
Why Horizon Recovery
No Upfront Costs
You pay nothing unless we recover. No retainer, no hourly fees — ever.
We Handle Everything
We manage all research, documentation, and filings. No legal knowledge or time required from you.
Total Transparency
Regular updates at every stage. No surprises, no hidden fees, no fine print.
Our Methodology
The Path to Recovery
A disciplined 4-step process. No legal expertise required on your part.
Discovery
We search property records, foreclosure filings, and public databases to identify surplus funds tied to your former property.
Verification
We confirm the claim is valid and legally recoverable before taking any action on your behalf.
Legal Filing
Our team prepares and files all necessary petitions and documentation with the appropriate courts.
Recovery
Recovered funds are disbursed directly to you. No deductions beyond our agreed contingency fee.
Common Inquiries
Questions & Answers
Is this a legitimate process?
Yes. When a foreclosure sale exceeds the debt owed, the surplus belongs to the former owner by law. Our process is fully compliant with applicable statutes.
How long does recovery take?
Most claims resolve within 60–180 days, depending on jurisdiction and case complexity. We handle all filings and keep you updated throughout.
Why haven't I heard about this before?
No one is legally required to notify you these funds exist. Most people only discover them through firms like ours, before the claim window closes.
What if the claim is denied?
You owe us nothing. We work strictly on contingency — no recovery means no fee, no exceptions.
Your equity doesn't belong to the state.
It belongs to you.
Surplus funds not claimed within the statutory window are forfeited permanently. The process starts with a single inquiry.
Claim Your Funds — No Upfront CostNo upfront cost. No obligation. Takes less than two minutes.