Serving Homeowners Nationwide · All 50 States

Money May Be Waiting For You — Let Us Recover It

When your property was foreclosed and sold for more than what was owed, that surplus is yours by law. Montelm Asset Recovery’s team of specialists helps you claim every dollar — with zero upfront costs.

Get a Free Consultation How It Works →
$0Upfront cost to you
50States served
VariesTimeline — speak with us
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Surplus Fund Recovery

Example client case
Property sold at auction$184,000
Amount owed$122,000
Surplus recovered$62,000
Client’s upfront cost$0.00
✓ Successfully recovered for homeowner
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No Upfront Fees — Ever
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All 50 States Covered
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We Handle All Paperwork
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Tax & Mortgage Foreclosure
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We Win When You Win
$250K+In surplus funds recovered for clients
125+Successful claims filed nationwide
50States where we actively recover funds
$0Upfront cost — contingency only
What We Do

Unclaimed Money After Foreclosure
May Be Rightfully Yours

When a property sells at auction for more than the debt owed, the surplus belongs to the former owner — not the bank or the county. Most people never find out. We do.

Residential home

Average surplus recovered

$38,000 – $75,000
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Tax Foreclosure Surplus

If the government sold your property at a tax auction and it fetched more than the taxes owed, that overage legally belongs to you. We track it, file for it, and recover it.

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Mortgage Foreclosure Overage

When a bank auctions a foreclosed home for more than the mortgage balance, the excess funds are yours by law. Banks don’t volunteer this. Our team finds it and claims it for you.

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Estate & Probate Recovery

Lost a loved one who owned property? We help heirs and family members navigate probate and claim surplus funds from a deceased owner’s foreclosure — across all 50 states.

Our Process

Simple, Transparent,
Done for You

Our team handles every step — from research to the moment your check arrives.

1

Free Consultation

We review your situation at no cost, research available surplus funds, and answer every question you have.

2

Agreement & Paperwork

Once you’re ready, our team prepares all documents and walks you through each page — no legal jargon.

3

We File Everything

Our specialists submit your claim to the correct agencies in your state and cover all filing fees upfront.

4

You Receive Your Check

Timelines vary by state — some cases resolve in weeks, others can take longer. We stay in contact with you every step of the way until funds arrive.

🔒 No risk, no upfront cost. Our fee is a percentage of what we recover — if we don’t win, you owe nothing.

Every state is different. Speak with us to get a realistic timeline for your specific situation.

Start Your Claim Today 📞 Call Us Directly
Our Services

Comprehensive Recovery
From Start to Check

Our full-service team handles everything in-house — research, documentation, filing, and follow-up.

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Tax Sale Surplus Recovery

We research tax deed auctions, identify overages owed to you, and file with the appropriate county agencies in any state.

No upfront fee
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Mortgage Foreclosure Overage

After a bank foreclosure auction, we track down overages held by courts or lenders and file your rightful claim on your behalf.

No upfront fee
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Surplus Fund Research

Led by Keenley Jane, our research team audits public auction records across all 50 states to find unclaimed money tied to your property.

Free investigation
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Document Preparation & Filing

Our team prepares all required legal forms, guides you through notarization, and submits everything to the correct agencies.

Fully managed
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Estate & Probate Claims

We help heirs and beneficiaries recover funds tied to a deceased family member’s foreclosure, including complex multi-party probate cases.

Family cases welcome
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Nationwide State Navigation

Every state has different surplus fund laws and deadlines. Our team is fluent in all 50 state procedures so nothing falls through the cracks.

All 50 states
About Us

Specialists You Can
Trust With Your Claim

Montelm Asset Recovery is a dedicated surplus fund recovery firm operating in all 50 states. Our focus is simple: find the money that’s rightfully yours and get it back to you — at no upfront cost.

NP

Nathaniel Parker

Founder & Lead Recovery Specialist

With years of experience navigating surplus fund claims across the country, Nathaniel founded Montelm Asset Recovery with one goal: make sure former homeowners know their rights — and actually get paid. He personally oversees every client case from start to finish.

KJ

Keenley Jane

Research Analyst

Keenley leads our research operations, digging into public auction records and court filings across all 50 states. Her work uncovers surplus funds that clients didn’t know existed — often from foreclosures that happened years ago.

Why Choose Montelm?

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Zero upfront cost. We only get paid when you do — no retainers, no hidden charges.

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All 50 states. We know each state’s specific surplus fund laws, deadlines, and agencies.

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We handle everything. Paperwork, filing, follow-up — you just wait for the call that your check is ready.

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Always reachable. You’ll never be left in the dark. We provide regular updates and are always available to answer questions.

Have questions? Nathaniel is available to speak with you directly.

Schedule a Free Consultation
Success Stories

Real Families. Real Results.

From Florida to California, we’ve helped hundreds of homeowners recover money they never knew was theirs.

★★★★★
“After losing our home, we assumed everything was gone. Montelm’s team reached out, explained everything clearly, handled all the paperwork, and within three months we had a check in our hands. We had no idea that money was sitting there waiting for us.”
Marcus & Denise J.
Atlanta, Georgia
$47,200 Recovered
Family home
★★★★★
“After my mother passed, I had no idea her property sale had generated surplus funds. Montelm found it, handled the probate paperwork, and helped our family recover money we didn’t even know existed.”
RL
Regina L.
Miami, Florida
$31,500
★★★★★
“Completely stress-free. They explained everything, handled every form, and kept me updated. I live in Nevada and they handled everything remotely without any issues.”
TW
Terrance W.
Las Vegas, Nevada
$58,900
★★★★★
“I was skeptical at first. But they were professional, transparent, and delivered exactly what they promised. No hidden fees, no surprises — just results.”
SC
Sandra C.
Chicago, Illinois
$22,400
★★★★★
“The foreclosure was 2 years ago. Montelm tracked me down and told me there was money I never claimed. I’m so glad they did — it made a real difference for my family.”
PD
Patrick D.
Phoenix, Arizona
$41,700
FAQ

Your Questions,
Answered.

We hear the same questions from clients every day. Here are the honest answers.



Talk to Our Team

If you’ve lost a property to a tax or mortgage foreclosure and it sold at auction, there’s a real chance surplus funds exist. We research public auction records at absolutely no cost to determine what’s available and whether you’re entitled to it.

Nothing upfront — ever. We work on a contingency basis, meaning our fee is a percentage of what we successfully recover. If we don’t recover anything, you owe us absolutely nothing. No retainers, no hidden charges.

No — we operate in all 50 states. Surplus fund laws and procedures vary by state, but our team is experienced with each state’s specific requirements. No matter where your property was located, we can help.

Honestly, it depends entirely on the state and the specific county involved. Some cases can be resolved in just a few weeks. Others, particularly in states with slower government processing, can take a year or more. We don’t give false timelines — we give you honest updates throughout the process. The best way to understand your specific situation is to speak with us directly.

Funds can sit unclaimed for years. However, each state has its own deadline, so it’s important to act promptly. Contact us and we’ll tell you right away whether your claim is still viable.

Yes. Heirs and beneficiaries can often claim surplus funds through probate. These cases require additional documentation, but our team handles them regularly and will guide your family through every step.

Free Consultation

Ready to Claim
What’s Yours?

No cost, no obligation, no risk. Our team will review your situation and respond within 24 hours.

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Call Us(512) 855-2812
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Email Usnate@montelm.com
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Response Time

Within 24 business hours

🗺️ Nationwide Service Coverage

Montelm Asset Recovery actively files surplus fund claims in all 50 states. Wherever your foreclosure occurred, our team knows the local procedures, deadlines, and agencies involved.

Get Your Free Consultation

Tell us a little about your situation — we’ll take it from there.

🔒 Your information is private and never sold or shared. No spam, ever.