Serving all 21 New Jersey counties
Money left over from your foreclosure or tax sale may still be yours.
When a New Jersey property sells at sheriff's sale for more than what was owed, the extra money — the surplus — sits in the Superior Court Trust Fund until the rightful owner claims it. We find it, file it, and recover it for you.
No upfront fees — we only get paid when you do
Court-filed claims handled start to finish
NJ only — deep knowledge of NJ court procedure
$4.2M+
Recovered for NJ families
21
New Jersey counties covered
6–9 mo
Typical court timeline
$0
Upfront cost to you
Free eligibility check
Find out in two minutes if New Jersey is holding money for you
Answer a few questions about the property and we'll review the court and county records for unclaimed surplus funds — free, confidential, and with no obligation.
- We search Superior Court Trust Fund and county sheriff’s sale records
- A recovery specialist reviews your case within one business day
- If there’s money to claim, we handle every court filing for you
- You pay nothing unless we recover your funds
How it works
From unclaimed money to your mailbox, in four steps
New Jersey's surplus claim process runs through the courts and typically takes six to nine months. We manage every step so you don't have to navigate it alone.
We locate your funds
Tell us about the property. We search Superior Court Trust Fund records, sheriff’s sale results, and county filings to confirm whether surplus money exists and exactly how much is being held.
We prepare your claim
Our team gathers deeds, payoff statements, heir documentation, and lien records, then prepares a complete motion package for the Surplus Funds Unit — the paperwork most claims get rejected over.
We file with the court
Your claim is submitted to the Trust Fund Unit for verification, then heard by a Superior Court judge. We respond to any objections from other claimants or lienholders on your behalf.
You receive your money
Once the judge signs the order, the court releases your funds. Only then is our contingency fee deducted — if we don’t recover, you owe us nothing.
Unclaimed surplus funds can eventually escheat to the state. Deadlines matter — the sooner a claim is filed, the stronger it is.
What are surplus funds?
The money most former homeowners never know they're owed
Every year, millions of dollars from New Jersey foreclosure and tax sales go unclaimed — sitting in court trust accounts because former owners were never told the money exists, or assumed the sale took everything.
Sheriff’s sales
When a foreclosed home sells at a county sheriff’s sale for more than the judgment owed, the difference is surplus — and by law it belongs to the former owner, not the bank.
Tax sale foreclosures
Under New Jersey’s 2024 law (P.L. 2024, c.39), when a tax lien foreclosure takes a property worth more than the debt, the former owner or heirs can claim the remaining equity.
Heirs and estates
Surplus funds don’t disappear when an owner passes away. Spouses, children, and estate representatives can claim what’s owed with the right documentation.
Statewide coverage
Every county, every courthouse in New Jersey
Surplus claims are filed in the county where the property was sold. We work in all 21 counties — from Bergen to Cape May — and know each Surrogate's and Sheriff's office by name.
Why NJSurplusFunds
Recovery done the right way, for New Jersey families
You've already been through a foreclosure or tax sale. The claim process shouldn't be another ordeal — or another risk.
Pure contingency — zero upfront cost
Our fee is a percentage of what we recover, collected only after the court releases your money. If we recover nothing, you pay nothing. Ever.
New Jersey court procedure, mastered
Surplus claims in NJ run through the Superior Court Trust Fund Unit with strict verification rules. We file these motions every week — it’s all we do.
Complete, rejection-proof filings
Most self-filed claims stall over missing documents or improper notice to lienholders. Our packages are built to clear Trust Fund Unit review the first time.
We protect you from predatory offers
Some firms buy claims for pennies on the dollar. We work for a fair contingency so you keep the maximum share of your own money.
You get updates, not silence
A dedicated case manager, a real person, updates you at every milestone — verification, hearing, order signed, check issued.
Heirs and estates welcome
Claiming on behalf of a parent or spouse who passed? We handle the extra probate and kinship documentation these cases require.
Client stories
New Jersey families, real recoveries
Every claim is different, but the relief is the same — money that was yours all along, finally back where it belongs.
“After the sheriff’s sale I thought the house and everything in it was just gone. They found money I didn’t know existed and handled the entire court process. The check arrived eight months later.”
M. Rivera
Former homeowner, Essex County
$38,400 recovered
“My mother passed owing property taxes, and the county took the house. I had no idea the equity belonged to our family. They walked me through the estate paperwork and treated us with real patience.”
D. Okafor
Heir, Camden County
$52,150 recovered
“I was skeptical — you hear about scams in this business. They never asked for a dollar upfront, put everything in writing, and called me at every step. I’d tell anyone in my situation to at least call them.”
T. Kowalski
Former homeowner, Ocean County
$21,900 recovered
Testimonials reflect individual experiences; results vary by case. Names abbreviated for client privacy. Past recoveries do not guarantee future outcomes.
Common questions
Everything people ask before they claim
Straight answers about the money, the process, and what it costs. Still unsure? Start a free check — it takes two minutes.
If your New Jersey property was sold at a sheriff’s sale or through a tax lien foreclosure for more than the total debt owed, the difference is surplus money held by the court. Most people are never notified. Our free eligibility check searches the court and county records for your property and tells you definitively whether funds exist.
The court won't call you about your money. We will.
Every month surplus funds sit unclaimed, they move closer to escheating to the state. A two-minute check costs nothing and could recover thousands that are legally yours.