Frequently Asked Questions

Surplus funds—also known as excess proceeds—are the leftover money from a mortgage foreclosure or tax deed sale after all debts tied to the property have been paid.

Here’s how it works:
When a property is sold at auction, the county uses the proceeds to pay off any outstanding mortgage, tax liens, or other legal obligations. If the sale price is higher than the amount owed, the remaining balance is considered surplus funds.  Surplus funds usually get distributed first to subordinate lienholders in order of priority and then to the former homeowners or heirs (if homeowner(s) are deceased.) So, you might have the right to claim the surplus funds after your house is foreclosed, particularly if you don't have any other liens on your home.  

Unfortunately, many people never find out these funds exist, or they miss critical deadlines to claim them.

That’s where Miracle Asset Recovery comes in.
We locate these funds, handle the paperwork, and work to get them back into your hands—quickly, legally, and with no upfront cost to you.

Technically, yes—you can try to recover surplus funds on your own. But the process can be confusing, time-consuming, and legally complex. It often involves court filings, deadlines, legal documentation, and verifying your rightful claim—all of which can be overwhelming, especially after a foreclosure.

That’s where Miracle Asset Recovery makes a difference.

We bring over 20 years of experience in the legal profession, understand court systems inside and out, and work closely with attorneys when needed. We handle everything for you—professionally, quickly, and at no upfront cost.
Most importantly, we help ensure your claim is done right the first time, minimizing delays and increasing your chances of success.

Let us do the heavy lifting, so you can focus on moving forward.

We understand—it’s a fair question. With so many scams out there, it’s smart to be cautious. But no, this is not a scam.

Miracle Asset Recovery LLC is a legitimate business, and we’re proud to operate with full transparency and integrity. Our mission is simple: to help people recover surplus funds they may not even know exist—with no upfront fees and no risk.

We work in partnership with attorneys when needed and follow all state and county regulations. We’re happy to walk you through the process, answer questions, and give you time to feel comfortable before signing anything.

If we’ve contacted you, it’s because our research shows you may be legally entitled to funds.
We’re here to help you claim what’s rightfully yours—nothing more, nothing less.

Great question—and you're not alone in wondering this. In many cases, counties don’t have the resources or systems in place to track down former property owners or heirs after a foreclosure or tax sale.

The county is required to notify property owners, but it typically sends the notice to the address on file with the tax collector or property appraiser—which is often the very property being foreclosed.

As a result, the notice may be sent to an outdated or vacant address, get lost in the mail, or be missed entirely—especially during an already overwhelming time.

The responsibility to claim surplus funds usually falls on the former owner or their heirs—not the county.

That’s why so many people never find out they’re owed money—and why millions in unclaimed funds sit waiting across the country.

At Miracle Asset Recovery, we actively search public records and sale data to identify those who may be entitled to these funds. If we’ve contacted you, it’s because our research shows you may be legally owed money—and we’re here to help you claim it.

Yes—and the deadline depends on the state and county where the sale took place. Missing the deadline could mean forfeiting funds that legally belong to you, so acting quickly is key. For example:

You typically have up to 5 years from the date of the tax sale to claim surplus funds. However, if someone else files a competing claim or the funds are transferred to the state, your window may be much shorter.

You generally have 1 year from the date the clerk of court issues the surplus notice to file your claim. After that, the funds may be forfeited to the state—even if they’re rightfully yours.

The time it takes to receive surplus funds varies.  Typically, the process can take several weeks to months.   Factors impacting surplus funds release can include: 

State/County Differences

Local policies and workloads influence recovery timelines.  States have different mandatory waiting periods during which all potential claims related to the surplus must be filed.  

Claim Complexity

Simple claims with clear documentation of ownership and entitlement resolve faster.  Complex cases with ownership disputes or legitimacy questions take longer.

While we can't guarantee payment—since each case depends on court approval, claim deadlines, and whether any other parties have a legal claim to the funds—we can guarantee this:

We will fight for every dollar you're legally owed.

At Miracle Asset Recovery, we bring over 20 years of legal experience to the table. We know how to navigate the system, prepare your case thoroughly, and collaborate with attorneys when needed to give your claim the strongest possible chance of success.

Best of all, you pay nothing unless we recover funds for you—so there’s absolutely no risk in letting us help, and we have every incentive to succeed on your behalf.

There is nothing to lose—and potentially thousands to gain.
There’s absolutely no risk in initiating a surplus funds claim. If we’re unable to recover anything, you owe nothing.

Even a smaller recovery can make a meaningful difference—whether it’s a cushion to help rebuild credit, cover living expenses, or simply provide peace of mind after a difficult time.

Miracle Asset Recovery provides services on a contingency basis, which means you pay nothing upfront—and we only get paid if we successfully recover funds for you.

Our fee is a pre-agreed percentage of the amount recovered, and everything is clearly outlined in a written agreement before any work begins. If no funds are recovered, you owe us nothing.

This structure ensures that our goals are fully aligned with yours—and that we’re motivated to fight for every dollar you’re legally entitled to.

Once you choose Miracle Asset Recovery to assist with your surplus claim, we make the process as simple as possible for you.

We’ll handle all the paperwork and arrange for a licensed mobile notary to meet you at a convenient time and place to sign the necessary documents. After everything is signed, the notary returns the paperwork to us, and we take care of submitting your claim directly to the appropriate county or court or working with the a trusted attorney to submit the claim on your behalf.

If the case involves probate, we’ll bring in a trusted attorney who specializes in this area. They’ll work directly with you and with our team to guide the legal process and ensure everything is done properly.

Probate is the legal process used to transfer ownership of a deceased person’s assets—including surplus funds—to their rightful heirs. If the previous property owner has passed away, probate may be required before any funds can be claimed.

The timeline varies depending on the county, court backlog, and whether the estate is contested or straightforward. In general, probate can take anywhere from a few weeks to several months.

At Miracle Asset Recovery, we partner with experienced probate attorneys who handle the legal filings and guide you through the process—so you don’t have to figure it out on your own. We’re here to make things as smooth and stress-free as possible.d an answer to this item.