01 / Our Practice

A quiet firm for a loud chapter in a homeowner’s life.

Sterling Claims Group exists to return money the system never made easy to find. We work on contingency, in U.S. jurisdictions that generate surplus funds, for clients who have already been through enough.

02 / The Mission

We recover what was already yours.

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We founded Sterling Claims Group after watching displaced homeowners, our own neighbors among them, walk away from foreclosure auctions with nothing, unaware that thousands, sometimes tens of thousands, of dollars had been deposited in a registry bearing their name.

The surplus funds statute is neither new nor obscure. Every state that conducts foreclosure auctions has some version of it. What is broken is the notice. The clerk sends one letter to an address the homeowner no longer occupies. The trustee posts a docket entry no one reads. Months pass. Years pass. The money goes dormant, and in most jurisdictions it eventually moves to unclaimed property divisions or, worse, is reabsorbed by the estate.

Our job is to find that money, prove entitlement, file what is required, and put the net figure in the hands of the person to whom it belongs. We do not advertise on bus benches. We do not guarantee amounts we haven’t verified. We take the work seriously because the people we work with had enough taken from them already.

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Client Engagement
03 / Our Standard

Plain language. Capped fees. No theatre.

Every engagement begins with a short verification letter and a plain-English retainer. We tell you what has been found, how much is at stake, what it will cost you (nothing until we recover), and what we need from you to proceed.

Contingency Capped Fee Written Retainer Multi-Jurisdiction Confidential
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04 / Principles

Five things we will not do.

The surplus funds space has a regrettable history of pressure tactics and opaque fees. We are deliberate about the opposite posture, and we have built the firm around it.

i.

We will not take money up front.

No research fees, no filing deposits, no “administrative” charges. Our fee is contingent on a successful recovery and paid from proceeds at disbursement.

ii.

We will not quote phantom amounts.

We verify the exact surplus with the holder before we send you a number. No inflated promises to win a signature.

iii.

We will not pressure you.

You may verify our findings independently with the county clerk, take the weekend, or walk away. The funds, and our fee structure, will not change.

iv.

We will not bury terms.

Retainers are one page, written in English rather than boilerplate. The capped fee is stated in dollars and in percent. Disbursement is accompanied by an itemized accounting.

v.

We will not share your data.

Your information is used to pursue your claim and nothing else. We do not sell leads. We do not rent lists. We do not market to your contacts.

vi.

We will not guarantee results.

Claims are subject to competing liens, probate complications, and judicial discretion. Anyone who guarantees you an amount before filing is selling something you should not buy.

05 / Our Posture

Professional. Procedural. Paid on results.

Our method is unglamorous by design. Verification, filings, follow-through, disbursement. We do the documentary work so our clients do not have to learn the language of surplus funds practice in the middle of rebuilding a life.

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Sterling Claims Group specialist handing a completed claim file to a client
Casework
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