If you lost a property to foreclosure or a tax sale anywhere in New Jersey — from Newark to Jersey City and every county in between — it may have sold for more than you owed. When that happens, the leftover money, called surplus funds or excess proceeds, can rightfully belong to you as the former owner, or to your heirs.
Here's what most people in New Jersey never hear: the surplus belongs to the rightful owner, not the lender, who was already paid, and not the county. By law it can be yours entirely — the full sum left over after the debt and any senior claims are satisfied. Recovery is never guaranteed and the exact figure depends on the liens involved, but if funds are being held in your name, they are yours to claim.
Surplus funds are one of real estate's best-kept secrets. No one is responsible for tracking you down to tell you the money exists, and after losing a property most people simply want to move on. So the funds sit — and in time they can be absorbed by the state. The hardest part usually isn't the entitlement; it's finding out the money is there in the first place.
That's where we come in. For rightful owners across New Jersey, we:
We serve rightful owners throughout New Jersey, including Newark, Jersey City, and Paterson, and the surrounding counties.
Let us check whether public records indicate potential surplus funds connected to your name — at no cost and with no obligation.
Check your eligibility