Foreclosure is
not the end.
you're one of the lucky few.
Almost no one would guess you can get money back after losing a home to foreclosure. It doesn't happen for everyone, but in certain cases it absolutely does. That's where we come in..
Expert Legal Defense
We work in conjunction with specialized state attorneys (and pay their legal fees) so you don’t have to rack up attorney fees or vet which attorneys know how to navigate the surplus funds process.
Zero Upfront Cost
We shoulder 100% of the risk. You don't pay a single dime unless we succeed.
Expedited Recovery
We fast-track your claim filing before strict government statutes expire.
ABOUT US
In recent years, many homeowners have faced foreclosure due to circumstances largely outside their control — including unexpected job loss, illness, death in the family, divorce, and the rising cost of taxes, insurance, and everyday living.
What most people don’t realize is that when a foreclosed property sells for more than what was owed, the extra funds legally belong to the former homeowner. These surplus funds are frequently left unclaimed because the process is confusing, time-sensitive, and rarely explained clearly. Lucky 13 Surplus Recovery exists to help fix that.
Our team has recovered millions of dollars in surplus funds and brings over 50 years of combined experience in funds recovery. We handle the research, paperwork, and filing process so former homeowners don’t have to navigate a complex system on their own. We work on a success-based model — meaning we only get paid if funds are successfully recovered.
Most importantly, we understand that these funds are more than just money. For many families, they provide relief, stability, and a chance to reset. Our mission is to help people reclaim what is rightfully theirs so they can begin the next chapter of their life with dignity and confidence.
Recovering funds left after foreclosure
We help former homeowners identify and recover surplus funds left after foreclosure by handling the recovery process clearly and professionally from start to finish.
Foreclosure Surplus
Recover excess funds from foreclosure auctions when the property sells for more than the debt owed. We track results instantly.
Tax Sale Overage
Claim overage funds when property taxes are paid through a sale that exceeds the tax debt. Our experts navigate complex county regulations.
Estate Claims
Assist heirs in recovering surplus funds - even if there was no will. We handle the probate research and legal documentation.
How It Works
Initial Contact
Call, text, or email us. We begin the preliminary search and verification for any funds owed to you.
Receive Paperwork
We send the specific legal documents needed to authorize the recovery. Everything is prepared.
Sign & Notarize
Review, sign, and notarize the documents. This ensures full legal compliance for the claim.
Return Documents
Return the paperwork via mail or email. We handle the secure processing and filing from there.
We Handle The Rest
You sit back and let us do the work. We will contact you as soon as a check is ready and on it's way!
The Difference That Matters
Takes on a limited number of clients so each claim receives the attention it deserves.
Takes on high volumes of cases with limited individual attention.
No hidden fees or surprise costs — ever.
Fees and costs are often unclear or introduced later.
Works in conjunction with experienced attorneys for no out of pocket expense or risk to you.
Attempts to navigate the legal process without legal support.
Millions recovered with 50+ years of combined experience.
Limited experience or no proven track record.
Guides clients from overwhelmed and uncertain to relieved and hopeful.
Often leaves clients confused about next steps.
Clients We’ve Helped
"I honestly didn’t think the money was still out there. This firm walked me through everything. When the check arrived, it felt unreal."
"What stood out was how straightforward they were. No pressure, no confusing language. They verified everything before moving forward."
"Brian was the first person who actually explained the process in a way that made sense. The funds were recovered faster than I expected."
"This was money I didn’t even know existed. The team handled all the legal filings. I barely had to do anything beyond signing documents."
"I had tried on my own and gave up. These folks knew exactly what to file and where. The fee was fair, and the result was real."
"Brian checked in regularly. When delays happened, they explained why. When progress happened, they let me know immediately."
"I appreciated that they didn’t make big promises upfront. That honesty earned my trust. They recovered funds I would never have accessed."
"The process was handled professionally from beginning to end. If you’re on the fence, I was too. I’m glad I moved forward."
"I honestly didn’t think the money was still out there. This firm walked me through everything. When the check arrived, it felt unreal."
"What stood out was how straightforward they were. No pressure, no confusing language. They verified everything before moving forward."
"Brian was the first person who actually explained the process in a way that made sense. The funds were recovered faster than I expected."
"This was money I didn’t even know existed. The team handled all the legal filings. I barely had to do anything beyond signing documents."
"I had tried on my own and gave up. These folks knew exactly what to file and where. The fee was fair, and the result was real."
"Brian checked in regularly. When delays happened, they explained why. When progress happened, they let me know immediately."
"I appreciated that they didn’t make big promises upfront. That honesty earned my trust. They recovered funds I would never have accessed."
"The process was handled professionally from beginning to end. If you’re on the fence, I was too. I’m glad I moved forward."
FAQs
What are surplus funds?
How do I know if I’m owed money?
Why wasn’t I notified?
Is this money guaranteed?
Why not file on my own?
How long does it take?
What does it cost?
Do I pay anything upfront?
What if there are multiple claims?
Can heirs claim surplus funds?
What if I ignore the claim?
Is this a scam?
Will this affect my credit?
What do you need to start?
Potential Recovery Calculator
Surplus funds are generated when a foreclosed property is sold for more than the debt owed. Use this tool to get a preliminary estimate of what might be waiting for you.
*Estimates are for informational purposes. Actual recovery depends on specific county fees, liens, and legal standing.
Start Your Recovery
784 S. Clearwater Loop STE B
Post Falls, ID, 83854, USA
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