Questions & Answers
Your Questions, Answered
At Equity Recovery Advisory LLC, we know you may have questions about surplus funds recovery. Here are some of the most common questions we receive, along with clear answers to help you understand the process better.
What are surplus funds?
When a property is sold at a foreclosure auction or tax deed sale for more than the amount owed, the extra money is called surplus funds. That money does not belong to the lender or the county — it belongs to the former owner or another rightful claimant.
How do I know if I have money to claim?
You may not know, and that's normal — most people never receive a clear notice. Call us or send a message and we'll check your case for free. If there are funds tied to your property, we'll tell you what we find and what happens next.
How much does it cost to work with you?
Nothing upfront. We work on a contingency basis, which means our fee comes out of the money we recover for you. If we don't recover your funds, you don't pay a dime.
Is there a deadline to claim my funds?
Yes. Most counties and states set a claim window, and once it closes the money can be absorbed by the government. Deadlines vary by location, so the sooner your case is reviewed, the better your position.
How long does the process take?
It depends on the county and how complex the claim is. Many cases move through in a few months. After your free eligibility check we'll give you a realistic timeline and keep you updated at every stage.
What documents do I need to provide?
Usually proof of identity and anything you still have connected to the property or the sale. If you don't have the paperwork, don't worry — we do the research and prepare the documents the agency requires.
Can I file the claim myself?
You can. Many people start on their own and find the forms, deadlines and agency requirements difficult to navigate, and a single mistake can delay or cost the claim. We handle it end to end so nothing gets missed.
What if the owner has passed away?
Heirs and estate representatives can often claim surplus funds. These cases need extra documentation, and we'll walk you through exactly what's required for your situation.
Do I have to appear in court or travel anywhere?
In most cases, no. Nearly everything is handled by phone, email and mail. If your county requires anything more, we'll tell you well in advance and prepare you for it.
How will I receive my money?
Once the claim is approved, the funds are released and delivered to you securely — typically by check or direct transfer, depending on the agency handling the payment.
Is my information kept private?
Yes. Your documents and personal details are used only to research and file your claim, and are never sold or shared for marketing.
How do I get started?
Call 505-207-9448 or send us a message through the contact form. The first review is free, there's no obligation, and you'll know quickly whether there's money to recover.
Book a Free Consultation
Let's Help You Reclaim
What's Rightfully Yours
Reclaiming surplus funds from foreclosure or tax deed sales doesn't have to be overwhelming. At Equity Recovery Advisory LLC, we are committed to making the process easy and stress-free for you. With our proven expertise, we ensure that every step of your surplus recovery journey is handled with care, precision, and transparency.