Many homeowners don’t realize that even after a foreclosure or sheriff sale, they may still be legally entitled to money. If your property sold for more than the mortgage balance and court-approved fees, the extra amount—known as surplus funds or excess proceeds—belongs to YOU, not the bank. In New Jersey and New York, surplus funds are transferred to the court system, but they are not automatically sent to the former homeowner. You must file a surplus funds claim or motion to recover what you’re owed, and if no action is taken, the money may eventually be transferred to the state as unclaimed funds. At American Fund Recovery, we help former homeowners, heirs, and families claim these foreclosure surplus funds quickly and legally, with no upfront fees. You Lost the House — But You May Not Have Lost Everything. You may still be owed thousands of dollars—let us check for you.

Home owners are often unaware that even after a tax foreclosure auction, they may still be legally entitled to surplus funds. When a property is seized and sold by the county for unpaid property taxes, the opening bid only covers the delinquent taxes and foreclosure costs. But if the property sells for more than what was owed, the remaining amount—known as tax foreclosure surplus, excess proceeds, or overbid funds—belongs to the former owner or their heirs, not the county. The problem is that counties rarely notify homeowners clearly, and most surplus money ends up sitting unclaimed in county treasurer or court trust accounts. At American Fund Recovery, we specialize in locating these tax foreclosure surplus funds and helping eligible owners or family members file the proper claim to recover their money—fast and legally, with no upfront fees. 

Millions of dollars in unclaimed money from dividend payouts, stock redemption checks, vendor payments, closed bank accounts, life insurance policies, and even estates are turned over to state treasuries every year when owners don’t cash or claim them. If a company or financial institution is unable to reach you—because you moved, changed your name, switched banks, or an account went dormant—the funds are legally classified as abandoned property and transferred to the state. While this process protects your assets from being lost, the state does not automatically notify you. That means you could have unclaimed investment earnings, forgotten bank balances, or insurance payouts waiting in your name—without even knowing it. At American Fund Recovery, we search nationwide unclaimed property databases on your behalf and guide you through the process of reclaiming what’s rightfully yours.

At American Fund Recovery, we specialize in helping businesses, LLCs, dissolved corporations, partnerships, and nonprofits recover unclaimed funds that have been turned over to state treasury departments. Many companies lose track of refunds, insurance payouts, vendor overpayments, utility deposits, or dormant bank accounts—especially after mergers, address changes, or corporate dissolutions. Our expert team conducts comprehensive corporate asset searches, verifies ownership using tax IDs, dissolution filings, and business records, and handles all the paperwork and claim submissions on your behalf. Whether your company is active, inactive, or long dissolved, you may still be legally entitled to recover those funds. Let us reclaim your corporate assets quickly, securely, and with no upfront fees.