Professional Surplus Funds Recovery
After a foreclosure auction, surplus funds are created when the sale price exceeds what was owed. This money legally belongs to you — but it won't wait forever.
Free case review • No upfront costs • Only pay when you get paid
The Truth About Your Money
When a foreclosure property sells at auction for more than what was owed (mortgage, fees, taxes), the excess money is called surplus funds or excess proceeds.
This money legally belongs to you.
But most former homeowners and lienholders don't even know these funds exist.
Time-sensitive: Claims must be filed quickly with the court or foreclosure trustee
Risk of loss: If not claimed, funds are turned over to the state as unclaimed property
Complex process: Documentation and proof of ownership are required
The Vanguard Difference
We're not like other surplus recovery firms. Our commitment to transparency, ethics, and client success sets us apart.
No hidden charges. No excessive fees. We charge fair rates and explain everything upfront — unlike firms that take up to 65%.
Deep understanding of foreclosure law, court procedures, and trustee requirements. We handle the legal complexity so you don't have to.
No false promises. No high-pressure tactics. We educate you honestly and treat every case with respect and confidentiality.
We handle all paperwork, court filings, and correspondence with trustees. You stay informed every step of the way.
Years of experience recovering surplus funds. We know the system, the timelines, and how to navigate complex cases successfully.
Your case is handled with the utmost discretion. We respect your privacy and protect your sensitive information.
Simple & Stress-Free
We've streamlined the surplus recovery process into four clear steps. You stay informed while we handle the heavy lifting.
We analyze your foreclosure case to determine if surplus funds are available and what you may be entitled to.
We confirm available surplus funds with the court or trustee and verify your legal claim to the money.
We prepare all required documentation, gather proof of ownership, and submit the claim on your behalf.
Once approved, you receive your surplus funds. Recovery typically takes 90-120 days depending on complexity.
You don't lift a finger. We handle all paperwork, court filings, and trustee communications. You'll receive regular updates and can reach us anytime with questions.
No upfront costs • Only pay when funds are recovered
Protect Yourself
Unfortunately, some companies in this industry take advantage of vulnerable former homeowners. Here's what to watch out for:
Some firms charge outrageous percentages of your recovery — money that should be yours.
Aggressive sales calls, fake urgency, and forcing you to sign without understanding the terms.
Hidden fees, vague explanations, and refusal to answer basic questions about the process.
Promises of guaranteed results or unrealistic timelines that sound too good to be true.
We operate with complete transparency. Fair fees. No false promises. Informed consent on everything. Your trust is our priority.
Learn How to Identify ScamsYour Questions Answered
Clear answers to help you understand surplus funds recovery and what to expect.
Still have questions? We're here to help.
View All FAQsYour surplus funds won't wait forever. Let us help you recover what's legally yours with our proven, ethical process.
Free Case Review
No obligation, no cost
No Upfront Costs
Pay only if we succeed
Act Quickly
Time-sensitive opportunity
Your information is confidential and protected
"When someone lands on VanguardSurplus.com, they should feel: This feels legit. These people know what they're doing. I trust them with my case."