Serving all 62 New York counties
Money left over from your foreclosure or tax sale may still be yours.
When a New York property sells at foreclosure auction for more than what was owed, the extra money — the surplus — is deposited with the court until the rightful owner claims it. We find it, file it, and recover it for you.
No upfront fees — we only get paid when you do
Court-filed claims handled start to finish
NY only — deep knowledge of NY court procedure
$4.2M+
Recovered for NY families
62
New York counties covered
6–9 mo
Typical court timeline
$0
Upfront cost to you
Free eligibility check
Find out in two minutes if a New York court is holding money for you
Answer a few questions about the property and we'll review the court and county records for unclaimed surplus funds — free, confidential, and with no obligation.
- We search New York Supreme Court surplus records and county foreclosure filings
- A recovery specialist reviews your case within one business day
- If there’s money to claim, we handle every court filing for you
- You pay nothing unless we recover your funds
How it works
From unclaimed money to your mailbox, in four steps
New York's surplus claim process runs through the Supreme Court in each county and typically takes six to nine months. We manage every step so you don't have to navigate it alone.
We locate your funds
Tell us about the property. We search New York Supreme Court surplus records, referee’s reports of sale, and county filings to confirm whether surplus money exists and exactly how much is being held.
We prepare your claim
Our team gathers deeds, payoff statements, heir documentation, and lien records, then prepares a complete surplus money claim under RPAPL Article 13 — the paperwork most claims get rejected over.
We file with the court
Your claim is filed with the New York Supreme Court in the county where the property sold, then heard by a judge. We respond to any objections from other claimants or lienholders on your behalf.
You receive your money
Once the judge signs the order, the court releases your funds. Only then is our contingency fee deducted — if we don’t recover, you owe us nothing.
Unclaimed surplus funds can eventually escheat to the state. Deadlines matter — the sooner a claim is filed, the stronger it is.
What are surplus funds?
The money most former homeowners never know they're owed
Every year, millions of dollars from New York foreclosure and tax sales go unclaimed — sitting with county treasurers and the courts because former owners were never told the money exists, or assumed the sale took everything.
Foreclosure auctions
When a foreclosed New York home sells at public auction for more than the judgment owed, the difference is surplus — and under RPAPL Article 13 it belongs to the former owner, not the bank.
Tax foreclosures
When a New York county or municipality forecloses on unpaid property taxes and the property is worth more than the debt, the former owner or heirs can claim the remaining equity.
Heirs and estates
Surplus funds don’t disappear when an owner passes away. Spouses, children, and estate representatives can claim what’s owed with the right documentation.
Statewide coverage
Every county, every courthouse in New York
Surplus claims are filed in the county where the property was sold. We work in all 62 New York counties — from Manhattan to Buffalo to Montauk — and know each county clerk's and treasurer's office by name.
New York City
All 5 boroughs — Bronx, Brooklyn, Manhattan, Queens, Staten Island
Long Island
Nassau & Suffolk counties
Upstate NY
Albany to Buffalo and everywhere between
All 62 Counties
Every county courthouse in New York State
Why NYSurplusFunds
Recovery done the right way, for New York families
You've already been through a foreclosure or tax sale. The claim process shouldn't be another ordeal — or another risk.
Pure contingency — zero upfront cost
Our fee is a percentage of what we recover, collected only after the court releases your money. If we recover nothing, you pay nothing. Ever.
New York court procedure, mastered
Surplus claims in NY run through the Supreme Court in each county under RPAPL Article 13, with strict proof and notice rules. We file these claims every week — it’s all we do.
Complete, rejection-proof filings
Most self-filed claims stall over missing documents or improper notice to lienholders. Our packages are built to clear court review the first time.
We protect you from predatory offers
Some firms buy claims for pennies on the dollar. We work for a fair contingency so you keep the maximum share of your own money.
You get updates, not silence
A dedicated case manager, a real person, updates you at every milestone — verification, hearing, order signed, check issued.
Heirs and estates welcome
Claiming on behalf of a parent or spouse who passed? We handle the extra probate and kinship documentation these cases require.
Common questions
Everything people ask before they claim
Straight answers about the money, the process, and what it costs. Still unsure? Start a free check — it takes two minutes.
If your New York property was sold at a foreclosure auction or through a tax foreclosure for more than the total debt owed, the difference is surplus money held by the court or county treasurer. Most people are never notified. Our free eligibility check searches the court and county records for your property and tells you definitively whether funds exist.
The court won't call you about your money. We will.
Every month surplus funds sit unclaimed, they move closer to escheating to the state. A two-minute check costs nothing and could recover thousands that are legally yours.