How We Recover What the Court Already Owes You
Every step in our process begins and ends with public record. You can verify each one yourself at the county courthouse.
From Public Record to Your Disbursement
Certified Record Identification
Court Claim Filed on Your Behalf
Contingency Fee — After You Are Paid
We pull the certified foreclosure sale record from the county courthouse. This document shows the sale price, the outstanding mortgage balance, and the resulting surplus — all publicly available.
The surplus sits in a court-controlled escrow account. We prepare and file the legal petition to release those funds to you. You review and sign every document before anything is submitted.
Our court-approved contingency percentage is deducted only after the court disburses your funds. Nothing changes hands before that moment. No upfront fees, no retainer.
The Surplus Is Already Yours by Law
Under state surplus-funds statutes, any amount exceeding the mortgage payoff from a foreclosure sale belongs to the former homeowner — not the lender, not the county. The court holds it in escrow awaiting a properly filed claim.
You can confirm your property's foreclosure sale record at any time through your county clerk's office. We encourage every client to do so before signing anything with us.
Ready to Verify Your Outreach?
If HomeMoneyBack contacted you, your case is already in our records. Confirm the outreach and we will provide the court document referencing your property.