When a foreclosed property sells for more than what was owed, the remaining balance may still belong to the former owner. Most people are never told. We help you find out.
You pay nothing unless funds are successfully recovered. We take on the risk.
Every step is explained before it happens. No surprises or hidden costs.
Each case is reviewed individually. We only move forward when the facts support it.
Every year, significant amounts of surplus funds go unclaimed after foreclosure and tax sale auctions across the country. The money exists. The former owners are entitled to it. But the process of identifying, verifying, and recovering those funds is complicated, time-sensitive, and rarely explained clearly.
JL Asset Advocates was created to address that gap. We focus specifically on surplus funds recovery, working directly with former property owners and their families to determine whether funds exist and, when they do, guiding the claim through to resolution.
Our approach is straightforward. We research each case thoroughly before making any commitments. We explain the process in plain language. We are transparent about fees, timelines, and realistic outcomes. And we only receive payment if funds are successfully recovered.
This work matters because for many people, these funds represent a meaningful opportunity during a difficult period. We take that responsibility seriously.
For many families, surplus funds provide relief, stability, and a real chance to move forward. Our role is to make that process as clear and straightforward as possible.— Our Mission
A foreclosed or tax-delinquent property is sold — often for more than the outstanding debt owed.
The difference between the sale price and the debt becomes surplus — excess money held by the court or county.
Former owners are rarely notified. Notices go to old addresses or get buried in legal publications no one reads.
When a property goes through foreclosure or a tax sale, it is often sold at auction. If the sale price exceeds the amount owed in debts, taxes, and fees, the remaining balance is referred to as surplus funds — sometimes called excess proceeds or overage funds.
In many states, those surplus funds legally belong to the former property owner. But the reality is that most people are never clearly informed that this money exists.
As a result, millions of dollars in surplus funds go unclaimed every year across the country. The filing process involves court procedures, strict deadlines, and documentation requirements that can be difficult to navigate without guidance.
If you or a family member lost a home to foreclosure or a tax sale, surplus funds may exist. A free review costs nothing and carries no obligation.
We focus on identifying and recovering surplus funds from foreclosure auctions and tax sales, managing the process from initial research through final filing.
When a foreclosed property sells for more than the outstanding mortgage and related costs, the excess may be owed to the former homeowner. We research, verify, and pursue those funds on your behalf.
Start Free ReviewProperties sold to satisfy unpaid taxes sometimes generate proceeds beyond the tax debt. We identify these overages and manage the filing process with the appropriate county or jurisdiction.
Start Free ReviewWhen the original property owner has passed away, eligible heirs may still have a right to surplus funds. We assist with the additional documentation and research these cases require.
Start Free ReviewA straightforward, guided process with full transparency and no surprises along the way.
We research public records and court data to determine if surplus funds exist in your name. No cost, no commitment.
If funds are identified, we confirm your eligibility and explain the specifics — estimated amounts and relevant deadlines.
We prepare the paperwork and walk you through what needs to be signed. Everything is explained before you commit.
We file your claim with the appropriate court or county office and provide regular updates as the case progresses.
Once approved, funds are disbursed according to the court's process. We only receive our fee after you receive yours.
Ready to find out if surplus funds exist in your name?
Start Free ReviewNot all surplus recovery firms operate the same way. We believe transparency, honesty, and individual attention are the baseline — not the exception.
High-volume operations with limited individual attention per case.
Costs and fees introduced after you've already committed.
Broad promises made without verifying your specific situation.
Pressure to sign quickly without explaining details or alternatives.
We understand why people are cautious. Trust has to be earned, not assumed. Here is how we approach every case.
We say so upfront. If our research shows no funds exist or a claim is unlikely to succeed, we tell you directly rather than waste your time.
We work on a contingency basis. You pay nothing unless funds are successfully recovered. The exact fee is disclosed before any agreement is signed.
A free review is exactly that. If you decide not to move forward, that's completely fine. No follow-up pressure, no obligation.
Surplus funds are public record. You're welcome to verify everything we provide through the relevant court or county office at any time.
Once a case is active, we provide regular updates. Delays are explained. Progress is shared promptly. You're never left guessing.
Every situation is different. Here are a few experiences from people we've had the privilege of working with.
I didn't even know this money existed. After my mom's house went to foreclosure, I assumed everything was just gone. They found over $34,000 that the county was holding. The whole thing took about four months and they kept me in the loop the entire time. I still can't believe it was real.
I was skeptical at first honestly. You hear about these things and figure it's a scam. But they told me to check the court records myself, and the money was right there. Ended up getting just over $18,000. Wish I'd known sooner.
They were upfront that my case was on the smaller side but still helped me through it. Got about $8,500 back from a tax sale. No pressure, no weird fees. Just straightforward people doing what they said they'd do.
My dad passed and I had no idea there was money left from the house. They walked me through everything — the paperwork, the court filings, all of it. Took a while but they were honest about the timeline from day one.
Names abbreviated for privacy. Results vary by case and jurisdiction. Past outcomes do not guarantee future results.
When a property sells at auction for more than what was owed, the difference may belong to you. Enter the numbers below to get a quick estimate.
*This is a rough estimate only. Actual recovery depends on county fees, outstanding liens, legal costs, and jurisdictional rules.
Fill out the form and our team will review your situation within 1–2 business days. No cost, no obligation, no pressure.