If your property sold for more than you owed, the difference is yours.
After a foreclosure or tax sale, the money left over goes to the former owner, not the bank and not the county. Most people are never told it exists. We find it, file the claim, and send you your share. You pay nothing unless we recover it.
- Property sells at auction for
- $180,000
- Mortgage, back taxes and fees owed
- minus $120,000
- Left over, and yours by law
- $60,000
Do I qualify?
You may have surplus funds waiting if all of these are true:
- Your home or property was sold at a foreclosure or tax auction.
- It sold for more than you owed on the mortgage or taxes.
- The sale was within the last one to five years. The deadline depends on your state.
- You have not been paid anything by the court, the county or the trustee.
Not sure? Call us at 9-SURPLUS-24. We will tell you within 24–48 hours whether there are funds, for free. New to this? Read surplus funds, explained.
How it works
Free case review
We look up your property and the sale to confirm whether surplus funds exist. It takes 24–48 hours and costs nothing.
You sign our agreement
If there is money, we send a simple contingency agreement that states our fee in writing. Nothing is due up front.
We file and follow up
We prepare and file the claim with the court, county or trustee, and handle every follow-up until it is decided.
You get paid
Most recoveries finish in 60–120 days, depending on the state. We send your share as soon as the funds are released.
What it costs
Nothing up front, and nothing at all if we don’t recover your money. We work on contingency: our fee is a percentage of what we collect for you, agreed in writing before we file anything.
For that, we do the whole job. We research the court and trustee records, prepare the paperwork, file the claim, and deal with the court or agency until the money is paid out.
We also look after your privacy. A surplus claim is filed with a court or county, and what’s filed usually becomes a public record that anyone can look up. Claims can call for your Social Security number, date of birth, bank details and a copy of your ID, and when you file on your own it’s easy to attach all of it in full. We work to keep that information out of the public file wherever the court or county allows, and to give only what a claim truly requires. Our privacy policy explains how.
The 2023 Supreme Court decision in Tyler v. Hennepin County confirmed that a government cannot keep the surplus from a tax sale. That money belongs to the owner.
How to check we’re legitimate
After a foreclosure, it’s wise to be suspicious of anyone who says money is waiting for you. Here’s how to check us, or anyone else who contacts you.
- Confirm the money yourself
- Ask us for the case number and the court or county office holding the funds, then call that office. They can tell you whether surplus funds are on deposit.
- Never pay anything up front
- We’re paid only from money we recover for you, under a written agreement you can read before you decide. Anyone who asks for a fee first is a red flag.
- You can file on your own
- Claiming your own money doesn’t require us, or anyone. Here’s how to start.
- Look us up
- Bow and Bounty, LLC is a Wyoming company. Search our name on the Wyoming Secretary of State’s business search. Mail reaches us at 30 N Gould St #39494, Sheridan, WY 82801.
Find out if you’re owed money
Tell us the property address and the owner’s name. We check the court and county records and tell you within 24–48 hours whether funds are there. The review is free, with no obligation.