01 / The Method

From a quiet letter to a signed order.
Here is exactly how we recover your surplus.

The process is deliberate, documented, and on your timeline. Below are the five phases that take a claim from first verification to funds delivered. Nothing moves without your written consent at each gate.

Step 01

Discovery & verification

We begin by locating surplus funds tied to your former property and confirming, against the governing statute in your state, that you are the rightful claimant.

  • What we do: Search court registries, trustee records, and county clerk filings for overages tied to the foreclosure sale.
  • What you receive: A written verification letter stating the exact amount held, the holder, and the statutory deadline.
  • Cost to you: Nothing. We do not charge for verification.
  • Timeframe: Typically one to three business days.
Documents and verification
Step 01
Step 02

Plain-language engagement

If you elect to move forward, we send a one-page retainer in plain English. It states our capped contingency fee in both percent and estimated dollars, and the scope of our work. Nothing else is hidden in fine print.

  • What we do: Send the retainer, answer any questions, accept a signature digitally or on paper.
  • What you receive: A countersigned copy of the retainer, a point of contact by name, and a case file number.
  • Cost to you: Still nothing. Our fee is due at disbursement, paid from proceeds.
  • Timeframe: Same day, usually.
Engagement
Step 02
Step 03

Preparation & filing

Counsel prepares the claim package or motion, assembles any supporting records the court will require, and files with the appropriate chamber. Where competing liens or interested parties exist, we address them in the pleading.

  • What we do: Draft the motion, compile exhibits, coordinate notarization, file with the court, serve interested parties.
  • What you may provide: A notarized declaration of identity, in some jurisdictions. We coordinate notarization when needed.
  • Timeframe: Weeks one through four in most cases.
Preparing and signing the claim filing
Step 03
Step 04

Hearing & order

Where a hearing is required, licensed counsel appears on your behalf. In uncontested matters the court typically rules on the papers and enters an order directing the holder to disburse funds.

  • What we do: Appear at any hearing, respond to objections, and secure a written order of disbursement.
  • Timeframe: Varies by docket and jurisdiction. Most matters clear the court in weeks four through ten, contested cases can run longer.
Courthouse
Step 04
Step 05

Disbursement & accounting

On entry of the order, funds are released to our trust account and promptly transmitted to you, net of our capped contingency, by check or wire. You receive an itemized accounting showing every dollar recovered, every dollar deducted, and the final amount delivered.

  • What you receive: The net recovery, an itemized statement, and a case closing letter.
  • Timeframe: Varies. Most holders release within a few weeks of the order, some jurisdictions take longer.
A check being signed for disbursement of recovered surplus funds
Step 05
Fees, in plain English

One capped percentage. Paid from proceeds.

If we recover, our fee is a capped percentage of the surplus.

If the claim is unsuccessful, our fee is zero. If you review our findings and elect not to proceed, our fee is zero. There are no research fees, no filing deposits, and no administrative surcharges. Any out-of-pocket court costs are advanced by us and reconciled against the recovery, never billed to you separately if the claim fails.

Begin with a five-minute review

If the account in your name is real,
we will find it.

No obligation. No pressure. No fee unless we recover.

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