When a property is sold through a mortgage foreclosure or tax deed sale, it may sell for more than the amount owed to the lender, taxing authority, or other lienholders. The remaining balance is called surplus funds or excess proceeds. Depending on your circumstances and applicable law, these funds may belong to the former property owner or other eligible parties.

You were contacted because public foreclosure records indicate that you may have a potential claim to surplus funds from the sale of a property you previously owned.

Our team researches public records to identify individuals who may be entitled to these funds. Receiving a letter, call, or text from Holmes Asset Recovery does not guarantee that funds are available, but it does mean you may qualify for a free claim review.

Yes. In many jurisdictions, former property owners may file a claim directly with the court or county without hiring a recovery company.

Many people choose to work with Holmes Asset Recovery because the process can involve researching records, gathering documentation, completing required forms, and meeting filing requirements. We help guide clients through that process and prepare the necessary paperwork.

Every claim is different.

The timeline depends on factors such as:

• County or court processing times

• Required documentation

• Whether additional heirs or parties must be identified

• Any legal deadlines or hearings

Some claims may be resolved in a matter of weeks, while others can take several months.

No.

We provide a free claim review to determine whether you may be eligible for surplus funds.

If we agree to work together, our fees and services will be clearly explained in a written agreement before any work begins.

The required documents vary depending on the claim, but may include:

• Government-issued photo ID

• Proof of your current mailing address

• Documents showing ownership of the property

• Foreclosure or tax sale information (if available)

• Probate or estate documents (if claiming on behalf of a deceased owner)

• Marriage or name change documentation (when applicable)

We'll let you know exactly which documents are needed for your specific claim.

The amount of surplus funds varies from case to case.

Some claims involve a few hundred dollars, while others may involve thousands—or even more—depending on the foreclosure sale, the amount owed, and other legal claims against the funds.

We can help determine whether surplus funds may be available and estimate the potential amount based on public records.

Yes. Holmes Asset Recovery researches public foreclosure records and assists eligible individuals in preparing and submitting claims for surplus funds.

We believe in transparency and are happy to answer your questions before you decide whether to work with us.

That's common. Many former homeowners have moved after a foreclosure.

As long as you may be the rightful claimant, you could still be eligible to pursue surplus funds. We can help determine your eligibility.

Getting started is simple:

1. Contact Holmes Asset Recovery for a free claim review.

2. We'll research your property and verify whether surplus funds may be available.

3. If you decide to move forward, we'll explain the process and guide you through each step.