You May Be Owed Money From Your Foreclosure
When a foreclosed property sells for more than what was owed, the surplus funds belong to you — not the government. NAK Audit Solutions audits official records to find what's rightfully yours.
How We Recover Your Surplus Funds
Surplus funds are legally yours. The government is required to hold them — but not required to find you.
What Are Foreclosure Surplus Funds?
When a lender forecloses on a property and sells it at auction, the sale price often exceeds the total amount owed — including the mortgage balance, fees, and court costs. That excess amount is called a surplus.
By law, these surplus funds must be held by the county or court clerk and are owed to the former property owner. However, many homeowners are never notified, and the funds are eventually escheated (turned over) to the state if unclaimed.
NAK Audit Solutions specializes in identifying these funds through a thorough audit of government foreclosure records — and then guiding you through the entire claims process.
Surplus funds are legally yours. The government is required to hold them — but not required to find you.
Identify Surplus Funds
2–3 business daysWe Calculate Exactly What You're Owed
Once we confirm a surplus exists, our team analyzes the complete financial picture — including any junior liens, HOA claims, or other encumbrances that may reduce the net amount available to you. We provide a clear, documented breakdown of the funds you are entitled to claim.
- Net surplus amount calculated after all liens
- Competing claims identified and assessed
- Claim eligibility confirmed
- Written summary provided to you
File Your Claim
3–5 business daysWe Handle All the Paperwork
Surplus fund claims require precise documentation and must be filed with the correct government agency within strict deadlines. Our team prepares every required form, gathers supporting documentation, and submits the complete claim package on your behalf. You simply review and sign — we handle the rest.
- All claim forms prepared and filed
- Supporting documentation compiled
- Submitted to the correct court or agency
- Claim status monitored throughout
Receive Your Funds
Varies by jurisdictionYour Money, Delivered
Once the court or agency approves your claim, the surplus funds are disbursed directly to you. Processing times vary by jurisdiction, but we stay in active communication with the relevant offices to ensure your claim moves as quickly as possible. Our fee is only collected after you receive your funds.
- Funds disbursed to us then forwarded on to you
- We follow up with agencies on your behalf
- Our fee collected only after your recovery
- Full transparency throughout the process
Who Is Eligible?
You may be eligible to recover surplus funds if any of the following apply to you.
- You lost a property to foreclosure within the past 1–10 years (varies by state)
- Your property sold at a foreclosure auction
- You were the owner of record at the time of foreclosure
- You are an heir or estate representative of a former property owner
- You have not previously filed a surplus fund claim for this property
Eligibility varies by state and individual circumstances. Our free audit will confirm whether surplus funds exist and whether you qualify to claim them.
Built on Expertise. Driven by Results.
NAK Audit Solutions was founded by specialists who saw firsthand how many former homeowners were left unaware of surplus funds they were legally owed. We built a firm dedicated to changing that.
Our Mission
Every year, millions of dollars in foreclosure surplus funds go unclaimed — not because homeowners aren't entitled to them, but because the system doesn't make it easy to find them. Government agencies are required to hold these funds, but they are not required to actively locate former owners.
NAK Audit Solutions exists to close that gap. We combine deep expertise in government records research with a client-first approach that puts your recovery first — and our fee second.
2,400+
Successful Claims
Claims filed and approved on behalf of former homeowners across the country
$38M+
Recovered for Clients
Total surplus funds recovered and delivered to rightful owners since founding
48
States Covered
Active operations in 48 states, with jurisdiction-specific expertise in each
98%
Client Satisfaction
Of clients who received a recovery report rated our service as excellent or outstanding
Why We're Different
Government Records Specialists
Our team includes former county clerks, title researchers, and legal professionals who know exactly where to look — and how to interpret what they find.
Contingency-Only Model
We never charge upfront fees. Our compensation is tied entirely to your recovery, which means we only succeed when you do.
Deadline Management
Surplus fund claim windows are governed by strict statutory deadlines that vary by state. We track every deadline and act before time runs out.
Full-Service Representation
From the initial audit through final disbursement, we handle every step — so you never have to navigate a courthouse or government agency on your own.
Our Core Values
Transparency
We provide clear, documented breakdowns of every finding and every fee — no surprises.
Integrity
We only take cases where we genuinely believe we can recover funds. We won't waste your time.
Urgency
Claim windows close. We move quickly because delay can mean the difference between recovery and forfeiture.
Homeowners We've Helped
I had no idea I was owed over $14,000 from my foreclosure. NAK found it, filed everything, and I had a check within weeks. Absolutely incredible service.
Robert M.
Phoenix, AZ
After losing my home, I thought that chapter was closed. NAK Audit Solutions showed me there was still money on the table — money that was legally mine.
Sandra L.
Atlanta, GA
The process was completely hands-off for me. They handled every form, every filing. I just waited for the call that my funds were ready.
James T.
Tampa, FL
Frequently Asked Questions
Answers to the most common questions about foreclosure surplus funds, our process, and what to expect.
About Surplus Funds
Our Process
Fees and Costs
Eligibility
Find Out What You're Owed
Submit your information below and our specialists will audit government foreclosure records associated with your property — at no cost and with no obligation.
Request Your Free Audit
All fields marked with * are required. We'll review your information and respond within 1–2 business days.
What Happens Next
- 1
We receive your request and begin auditing government foreclosure records for your property.
- 2
Within 1–2 business days, we contact you with our findings — including whether surplus funds exist and the estimated amount.
- 3
If funds are identified, we explain your options and, with your authorization, begin the claims process.
Contact Information
Email
[email protected]Service Area
Nationwide — All 50 States
No Recovery, No Fee
Our contingency model means you pay nothing unless we successfully recover funds on your behalf. There are no hidden charges, no retainers, and no upfront costs of any kind.