From first call to funded — our streamlined process gets you results without the complexity.
We review your situation at no charge to determine if surplus funds exist and if you qualify for recovery.
Our team investigates court records, foreclosure auctions, and government filings to locate your unclaimed equity.
We handle all legal filings, documentation, and court procedures on your behalf — you sign, we do the rest.
Once approved, funds are disbursed directly to you. We only collect our fee after you receive payment.
When a foreclosure or tax sale brings in more than what was owed, the leftover money belongs to you — not the bank, not the county. We find it, file for it, and return it. No upfront cost — you pay nothing unless we recover.
Most people have never heard of surplus funds — until they discover the court has been holding money in their name. Here's how it happens, in plain language.
When a foreclosed home is sold at auction, the sale often brings in more than what was owed on the mortgage and the costs of the sale. That extra money — the foreclosure surplus, sometimes called excess proceeds or an overage — does not belong to the bank. By law, it belongs to the former homeowner.
The surplus doesn't get mailed to you automatically — it sits with the court, sale trustee, or county until someone files a proper claim. The same happens with tax sale surpluses: homeowners are rarely told the money exists, and in many states unclaimed surpluses are eventually absorbed by the government.
The former owner is first in line. If that person has passed away, their heirs or estate can claim the funds. The catch: procedures are technical, deadlines are strict, and courts won't chase you down. That's the gap VaultPoint closes — we locate the funds, verify your right, and handle the entire claim.
A Real-World Example
That $80,000 belongs to the former homeowner — but only if it's claimed. Check if you have a claim →
From first call to funded — here's exactly what happens, and what it costs you at every stage: nothing.
Tell us about the property — that's all we need to start. Our team searches court dockets, county records, foreclosure files, and government databases to confirm whether surplus funds exist in your name, and how much.
What you'll never pay: search fees, "processing" charges, or retainers. The search is free, period.
We verify your legal entitlement, gather the documentation the court requires, and prepare every form. Heir claims? We handle the probate coordination too. You review and sign — we do the heavy lifting.
What you'll never pay: document fees or preparation costs. It's all covered by us.
We file your claim with the correct court or county office and see it through — responding to requests, coordinating with our attorney network where licensed counsel is required, and keeping you updated at every step.
What you'll never pay: filing fees or legal costs out of pocket. We advance everything.
When the court releases the funds, the money goes to you. Our agreed fee comes out of the recovered amount only — you never write us a check, and if we recover nothing, you owe nothing.
What you'll never pay: anything, unless your money is actually recovered.
We specialize in every category of unclaimed surplus funds across the United States.
When a foreclosure auction generates more than the amount owed, the surplus belongs to you — not the bank. We recover that overage.
Learn moreIf the county sold your property for more than the taxes owed, the surplus is legally yours. We navigate county systems to claim it.
Learn moreDormant bank accounts, forgotten deposits, and escrow balances held by the state — we identify and recover funds you didn't know existed.
Learn moreIf a deceased family member had unclaimed funds, heirs are entitled to recover them. We guide families through the probate and claim process.
Learn moreEminent domain awards, condemnation proceeds, and government acquisition overages — we identify and file claims at every government level.
Learn moreOur network of attorneys and legal professionals ensures every claim is filed correctly, compliantly, and with maximum speed.
Learn more
"We don't get paid unless you get paid. That's not just a promise — it's written into every agreement we sign."
We've built our reputation on transparency, results, and putting our clients first — every single time.
You never pay a dollar until we successfully recover your funds. Our fee comes from the recovery itself.
Each case is assigned a dedicated specialist who handles your claim from start to disbursement — no call centers, no runaround.
Regular updates, clear timelines, and honest communication — you always know exactly where your case stands.
Our network spans every state's court and county system, giving us access no single local firm can match.
Don't take our word for it — hear from the families who've already been paid.
I had no idea there was surplus money from my foreclosure. VaultPoint found it, filed everything, and three months later I had a check in my hand. Unbelievable.
After losing our home, I assumed everything was gone. VaultPoint recovered nearly $29,000 in tax deed surplus that was just sitting there. Professional and compassionate throughout.
My father passed and his estate had unclaimed funds we didn't even know about. VaultPoint handled everything — probate, filings, all of it. We received $62,400 that changed our family's life.
Straight answers to the questions we hear most.
Every day you wait is a day unclaimed funds sit in a government account. Our free consultation takes minutes — and costs you nothing.
Fill out the form and a VaultPoint specialist will contact you within 24 hours to discuss your case — at absolutely no cost or obligation.
