FAQ

we understand this concept may raise questions or cause some skepticism, check out the FAQ below to help alleviate those concerns.

1. Is this a scam?

Absolutely not. Foreclosure surplus funds are real and legally owed to former homeowners when a property is sold for more than what was owed. Unfortunately, many people never claim this money because they don’t know it exists or the process feels overwhelming. At RCM Asset Recovery, we specialize in helping you claim what’s rightfully yours—quickly, legally, and hassle-free.

2. How do I know if I have surplus funds owed to me?

If your property was foreclosed or taxes defaulted and sold for more than the remaining debt, there’s a good chance surplus funds are available. We conduct thorough research using official public records to determine if money is owed to you. Simply contact us, and we’ll check for you—free of charge.

3. Why do I need your help? Can’t I do this myself?

Yes, you can file a claim on your own, but the process is often complex, requires legal paperwork, and may involve strict deadlines. Many claims go uncollected because former homeowners don’t know where to start or how to navigate government agencies. We handle everything for you—from researching your claim to filing the necessary documents—so you don’t have to deal with the hassle or risk losing your rightful funds.

4. How much do you charge?

We work on a contingency basis, meaning there are no upfront costs to you. If we don’t successfully recover your funds, you owe us nothing. Our fee is a percentage of the recovered funds, which we discuss upfront before we proceed.

5. How long does the process take?

The timeframe varies depending on the state and the complexity of your claim, but most claims take between 30 to 90 days to process. We work diligently to speed up the process and will keep you updated every step of the way.

6. What happens if I don’t claim my surplus funds?

If surplus funds go unclaimed, they may eventually be forfeited to the state or other entities, meaning you could permanently lose your money. That’s why it’s important to act quickly. We make it easy to claim what’s yours before time runs out.

7. Where does this money come from?

When a property is foreclosed and sold at auction or taxes owed, the proceeds first go toward paying off the remaining mortgage and any liens. If the sale price exceeds what was owed, the leftover money—the surplus—is legally owed to the previous homeowner. This money does not automatically go to you; it must be claimed through a formal process.

8. What do I need to get started?

To begin your claim, we typically need:

• Your full name
• The address of the foreclosed property
• Your contact information (phone/email)

Once we confirm that surplus funds are available, we’ll guide you through the next steps.

9. What if my foreclosure happened years ago? Can I still claim my funds?

It depends on the state. Some states allow claims for several years, while others have strict deadlines. If you think you may be owed funds, contact us as soon as possible, and we’ll check for you.

10. How do I know I can trust you?

We understand your hesitation, and we encourage you to do your research. We are transparent in everything we do, and we’re happy to provide references, legal documentation, and a clear breakdown of the process. We don’t get paid unless you do, so we have every incentive to work hard on your behalf.

Still Have Questions?

We’re happy to help. Contact us today for a free, no-obligation consultation.

📞 Call/Text: 469.343.4184
📧 Email: ashley@rcmassetrecovery.com
🌐 Website: www.rcmassetrecovery.com