If you’ve recently lost your home to foreclosure, we want to start by saying—we understand how overwhelming this process can be. At Monarch Surplus Recovery (MSR), we’ve worked with homeowners who have faced financial hardship, uncertainty, and frustration. Many are unaware that after their foreclosure, they may still be owed money—often thousands of dollars in surplus funds.
But here’s the most important thing you need to know:
💡 You only have a limited time to claim your surplus funds before the government keeps them permanently. If you wait too long, you could lose access to the money that’s rightfully yours.
What Are Surplus Funds?
When a home is sold at a foreclosure auction, the money from the sale goes toward paying off debts tied to the property, such as:
✅ The remaining mortgage balance (if applicable)
✅ Unpaid property taxes or tax liens
✅ Court and legal fees from the foreclosure process
But what happens if the home sells for more than what was owed?
That extra money is called surplus funds, and in most cases, it belongs to the former homeowner—you.
Example:
- Your home was foreclosed, and you owed $90,000 on the mortgage.
- At auction, your home sold for $130,000.
- After debts and fees are paid, there’s a $40,000 surplus remaining.
- That $40,000 belongs to you—but only if you claim it in time.
Unfortunately, counties don’t automatically send this money to you. You must file a claim before the deadline—or risk losing it forever.
How Long Do You Have to Claim Your Surplus Funds?
Each state has its own laws regarding how long former homeowners have to claim surplus funds. In some states, you may have only six months, while in others, you might have a few years before the money is forfeited.
Here’s what could happen if you miss the deadline:
❌ Your surplus funds could be transferred to the county or state treasury.
❌ In some cases, the government keeps the money permanently.
❌ Your rightful claim to the funds may expire, leaving you with nothing.
At Monarch Surplus Recovery, we track the deadlines for each state and handle the claims process before time runs out.
🔹 Want to know your deadline? Let MSR check for you—for free.
👉 Click here to see if you have surplus funds waiting for you.
Why Counties Don’t Notify You About Your Surplus Funds
Many homeowners assume that if they are owed money, the county will contact them. Unfortunately, this is rarely the case.
🔹 Many counties do not proactively notify former homeowners.
🔹 Some surplus funds go unclaimed simply because homeowners don’t know they exist.
🔹 The system is full of confusing paperwork, legal filings, and strict deadlines.
This is why millions of dollars in surplus funds go unclaimed every year—money that should be in the hands of former homeowners who need it most.
At MSR, we make sure you don’t lose your money simply because of government bureaucracy. We do the hard work for you, ensuring your claim is filed correctly and on time.
How MSR Makes the Process Easy for You
Instead of navigating the complicated surplus recovery process alone, MSR takes care of everything for you—at no upfront cost.
✅ Step 1: We Check If You Have Surplus Funds
- We research foreclosure records to determine if you’re owed money.
- We verify the amount and explain your claim options—all for free.
🔹 Click here to Check for Surplus Now—there’s no risk, no obligation.
✅ Step 2: We Handle the Entire Claims Process
- We file all the necessary paperwork with the county and courts.
- If legal filings are required, we take care of them.
- We cover all costs upfront, so you never have to worry about out-of-pocket expenses.
✅ Step 3: You Get Paid—Without the Stress
- Once your claim is approved, you receive your funds.
- No legal red tape. No confusing paperwork. No missed deadlines.
💡 And the best part? We only get paid when you do. If for any reason your claim isn’t approved, you owe us nothing.
What Happens If You Wait Too Long?
If you delay claiming your surplus funds, you could:
🚨 Miss your legal deadline and lose the money permanently.
🚨 Struggle with financial stress when those funds could have helped you recover.
🚨 Lose thousands of dollars that rightfully belong to you.
Every day you wait increases the risk of losing your funds. That’s why we encourage you to take action now.
🔹 Let MSR check your eligibility and file your claim before time runs out.
👉 Find Out If You Have Surplus Funds Now
Why Work with MSR Instead of Trying to Claim It Alone?
At Monarch Surplus Recovery, we are not just another claims company—we are your partner in financial recovery.
Unlike some companies that charge outrageous upfront fees or give misleading promises, we:
✅ Work on contingency – We don’t get paid unless you do.
✅ Cover all legal & filing costs upfront – You never pay out of pocket.
✅ Move fast – We understand that time is of the essence.
✅ Keep you informed – You’ll know exactly where your claim stands.
💡 Claiming your surplus funds should be easy—not another stressful process. Let us take care of it for you.
Take the First Step Before Time Runs Out
If your home was foreclosed within the past few years, you may have thousands of dollars waiting for you. But if you don’t act before the deadline, you could lose that money forever.
🔹 The fastest way to check? Let MSR do the research for you.
✅ Check for Surplus Now – We’ll confirm if you have unclaimed funds, at no cost to you.
✅ Speak with a Specialist – If you have questions, our team is here to help. Call Toll free at [833-835-5762]
💙 At Monarch Surplus Recovery, we’re not just a service—we’re your advocate. Let’s reclaim what’s rightfully yours before it’s too late.
Final Thoughts: Don’t Wait Until It’s Too Late
💡 You lost your home—but you haven’t lost everything. Surplus funds may be the financial cushion you need to move forward.
But if you don’t act fast, your chance to recover those funds could disappear forever.
🔹 Find Out If You’re Owed Money Today
💙 Monarch Surplus Recovery is here to help you every step of the way.
