What are surplus funds?

Surplus funds are the leftover money from a property sale, 

usually after a foreclosure or tax sale — 

when the property sells for more than what was owed.

That extra amount may legally belong to the former homeowner or their heirs.

 

How do I know if I'm owed surplus funds?

If your property was sold at auction and the sale price exceeded the total debt

(mortgage, taxes, liens, legal fees), there may be surplus funds available.

Mercy Management can research your case to determine whether you’re owed money.

 

How long do I have to claim surplus funds?

Deadlines vary by state. Some states allow up to one year to claim surplus funds,

while others may offer longer or shorter windows.

If you wait too long, the money may be turned over to the state or lost permanently.

We help ensure you meet all deadlines.

 

Do I need a lawyer to claim surplus funds?

Not always. Some states or counties require filing with the court,

while others allow you to file directly with the clerk’s office.

Mercy Management is experienced in both types of processes

and can guide or handle your claim without requiring a lawyer in most cases.

 

How much does it cost to work with Mercy Management?

We work on a contingency basis— you don’t pay anything upfront.

We only get paid if we successfully recover funds for you.

Our fee comes out of the recovered amount and is fully disclosed in our agreement.

 

How long does it take to get my money once the claim is filed?

Most claims take 4 to 12 weeks from the time of filing to payment,

depending on the county, the court’s workload, and any required hearings.

We stay in contact with you throughout the process,

so you always know where things stand.

 

Can I claim surplus funds on behalf of a deceased relative?

Yes, in many cases you can.

If you are the legal heir of someone whose property was sold at auction,

you may be entitled to their surplus funds.

Mercy Management helps families navigate probate, heirship, and documentation

so nothing is left unclaimed.

 

Is there a minimum amount I need to be owed to file a claim?

There’s no strict minimum,

but it may not be cost-effective to pursue very small amounts

(typically under $100–$250).

We’ll review your specific situation and help you decide if it’s worth filing.

 

Can I file the claim myself?

Yes. Some people choose to file on their own—

but the process can be confusing,

especially if it involves court documents or deadlines.

We offer expertise and support to ensure the claim is handled correctly

and that you receive the full amount owed to you.

 

Why should I trust Mercy Management with my surplus funds claim?

We operate with transparency, compassion, and integrity.

Our team is committed to helping families recover what’s rightfully theirs

without taking advantage or making false promises.

You’ll never be asked to pay anything upfront,

and we keep you informed every step of the way.

 

What states do you operate in?

We assist clients in all 50 states.

No matter where the foreclosure or tax sale took place,

we can help determine if surplus funds are available

and guide you through the recovery process.

If you're unsure about your specific situation, reach out— 

we’re always happy to look into it for you.

 

What documents will I need to start a claim?

Typically, you’ll need a valid photo ID, proof of address (past or current),

and any legal documents if you’re claiming on behalf of someone else.

We’ll walk you through exactly what’s required for your case.