Surplus Funds Recovery — Arizona • Florida • Georgia
When a foreclosed property sells for more than the debt owed, the surplus belongs to the former owner. Most never find out. We find them, match them, and help them get it back.
The opportunity is real
Foreclosure auctions generate surplus when properties sell above the debt owed. Most former owners never receive notice.
State laws set strict claim windows — from months to a few years. Once they close, the money is gone forever.
County recorder offices hold the records. Public data — but manually searching thousands of entries is impractical at scale.
Recovery is legal and contingency-based. Owners pay nothing upfront — we earn a fee only when funds are successfully released.
How it works
Our data engine pulls foreclosure and tax sale records from county recorder offices daily. Every record is tagged by state, county, amount, owner name, and claim deadline.
Name and address matching across multiple data sources. We identify former property owners, verify their legal standing, and score every match by confidence level.
Personalized letters, email sequences, and follow-up schedules. Every communication is logged, timestamped, and compliance-reviewed before sending.
Digital intake, document preparation, court filings, and status tracking. Complex cases are escalated to licensed attorneys. Owners receive funds directly from the county.
Phased expansion
Why Found Money Labs
The surplus funds recovery industry is dominated by solo operators and small shops doing everything manually — spreadsheets, cold calls, paper documents. We built the system that lets one operator manage hundreds of cases simultaneously, without losing a single deadline.
Rules-based workflows handle outreach, reminders, and status updates without manual intervention.
Every workflow enforces state statutes. Arizona's 30-day rule, Florida's 60-day trustee window, Georgia's attorney-filing counties — all built in.
New opportunities, contacted prospects, signed agreements, claims in progress, completed claims, and revenue generated — all in one view.
Every outreach shows claimants their estimated entitlement vs. any offer made. No bait-and-switch. Full transparency on fee structure.
When your home sells at auction for more than you owed, that surplus is legally yours. The county holds it. The bank keeps quiet. And you never find out.
We believe every rightful owner deserves to be found and informed. Not with a threatening letter. Not with a surprise offer that buys your rights for a fraction of what you're owed. With clear information, transparent fees, and a team that treats your claim like it matters — because it does.
Found Money Labs exists to close the gap between what counties hold and who they're holding it for.
The only question is who gets there first.