Lost it?Get your money back.
We recover the money left over after a foreclosure
When your home, car, boat, or RV sold for more than you owed, the extra money can legally belong to you — and courts, counties, and lenders are holding it right now. We find it, file the claim, and get you paid. $0 upfront, ever.
The sale wasn’t the end.
The leftover money is yours.
At a foreclosure, tax sale, or repossession auction, the debt gets paid off first. Everything above the debt — the surplus — belongs to the former owner by law. But the court doesn’t mail it to you. It sits with a clerk, a county treasurer, a trustee, or the lender until someone claims it, and in many states it’s forfeited forever if the deadline passes.
That’s the whole business: we find the money in the public record, prove it’s yours, file the claim correctly, and push it to a check — issued directly to you.
Surplus funds, fully explained- Auction sale price
- $465,000
- What was owed (debt + costs)
- − $262,000
- Surplus held for the former owner
- $0
Illustration of how a surplus is calculated — every case is different, and amounts are verified against the actual court record before we tell you a number.
From “wait, really?” to a check with your name on it.
No courthouse trips. No hourly lawyer bills. No upfront anything. You tell us what happened; we do the rest and keep you posted by text and in your portal.
Tell us what you lost
Home, car, boat, or RV — pick what happened and where. No documents needed to start, and it costs nothing.
We verify the records
Our desk pulls the county records, the sale report, and the payoff figures — then tells you the truth about what we find.
Sign on your phone
One plain-English contingency agreement, capped by state law where caps apply. $0 out of pocket — we only win when you do.
We file. You get paid.
Our legal desk files the claim and works it to payout. Your check is issued directly to you — never through us.
Takes about 5 minutes · No documents needed to start
If it was taken and sold, check it.
Four lanes, one rule: when the sale brought in more than the debt, the difference can belong to you.
Homes & land
Foreclosure, tax sale, or HOA sale — the auction overage can belong to the former owner.
Learn moreCars & trucks
Repossessed and sold for more than the loan balance? Federal law says the lender owes you the surplus.
Learn moreBoats
Repo and marina-lien sales generate surpluses too — most owners are never told.
Learn moreRVs & campers
Storage-lien and repo sales on RVs follow the same rule: the extra money is yours.
Learn moreBuilt honest, because this industry isn’t.
Surplus recovery attracts hustlers — people who cold-call grieving families and promise numbers they’ve never verified. We built the opposite.
We tell you the truth
If the records show no money, we say so and you owe nothing. If someone promises you an exact amount before verifying the court file, hang up.
Your check never touches our account
The court or agency issues recovery funds directly to you. Our share is settled after you are paid — that structure protects you.
Fee caps enforced by software
Where a state caps recovery fees, our system physically cannot paper past the cap. Compliance is built into the machine, not a promise.
A real legal desk
Clerk-claim states are filed in-house. Motion states run through licensed local attorneys. You never chase a courthouse alone.
“It’s your money. It always was. Our whole job is proving it and bringing it home.”
Every state plays by different rules. Ours are written into software.
Fee caps, claim deadlines, who holds the money, whether a court motion is required — it changes at every state line. Two dozen states are encoded statute-by-statute in our compliance engine (and counting), vehicle and repo surpluses work in all 50, and the software blocks any deal a state doesn’t allow.
See the rules in your stateClerk, treasurer, trustee, or lender — we know which door to knock on.
Some states forfeit funds in 1–2 years. We track every clock.
Where the law caps our fee, the cap is enforced in our software.
Motion states run through licensed local attorneys on our bench.
Just lost something? Start here.
I just lost my house to foreclosure. Now what?
The five things to do in the first 30 days — including the money question nobody mentions at the courthouse.
Read the guide RepossessionMy car was repossessed and sold. Do they owe me money?
If the auction beat your loan balance, federal law says yes. How to find out and what to demand.
Read the guide Protect yourselfHow to spot a surplus-funds scam
Six tells that separate real recovery firms from the predators — including the checks that protect you with us.
Read the guideEverything people ask us first.
What are surplus funds (foreclosure overages)?
When a property or vehicle is sold at foreclosure, tax sale, or repossession, it sometimes sells for more than the debt owed. The extra money — the surplus, overage, or excess proceeds — can legally belong to the former owner. Courts, counties, trustees, and lenders hold these funds, but they rarely chase you down to pay them out. You have to claim them, and deadlines apply.
Is this real? It sounds like a scam.
Healthy skepticism is smart — this industry has real scammers. The money itself is verifiable in public court and county records, and we show you the actual record before you sign anything. Quickie Recovery never asks for an upfront fee, never asks you to sign over your deed, and recovery checks are issued directly to you by the court or agency — never through our accounts.
What does it cost?
Nothing upfront, ever. We work on contingency: one agreed split of what we actually recover, capped by state law where caps apply. If we recover nothing, you pay nothing.
How long does a claim take?
The free records check takes days. Once filed, payout timing is set by the court or agency holding the funds — commonly a few months, and we typically plan around roughly four months. We track every step in your portal and text you when anything moves.
Do I need a lawyer?
In many states, no — the claim is an administrative filing we handle for you. Some states require a court motion; there, licensed local attorneys on our bench handle the courtroom work as part of the same contingency deal. Either way, you never pay hourly legal bills out of pocket.
The sale was a while ago. Is it too late?
Maybe not — but the clock matters. Some states hold surplus funds for years, others forfeit them after a short window (Texas tax overages can die at two years; some run one year). The sooner we check, the more options you have. Checking is free.
The former owner passed away. Can family claim it?
Usually yes — surplus funds belong to the estate, and heirs can claim through the estate process. We handle heir claims regularly and coordinate the paperwork that proves the family relationship.
Why did I get a letter or text from Quickie Recovery?
Because a public record shows a sale connected to your name that may have generated surplus funds. We reach out when the records suggest money may be waiting. No pressure either way — the check is free, and the records are yours to see.
Find out in minutes if money is waiting for you.
The check costs nothing and there is no obligation. Tell us what you lost — we search the records and tell you the truth about what we find.