Full Circle Asset Recovery

There may be surplus funds waiting for you from foreclosure.

When a property sells at foreclosure or tax sale for more than the mortgage debt, the excess proceeds belong to the prior owner — not the bank, not the state. We verify and secure what’s yours.

See if you’re owed Call 410-216-5738

No Upfront Cost. Contingency only — paid only when you get paid. Maryland attorney on every case.

$44,280,000+

Verified Surplus Audited

380+

Families Reunited With Cash

98%

Claim Success Rate

BBB Accredited Business State Attorney: John Houlihan of Houlihan Law No upfront cost — paid upon success Partners: Carl O’Neal & Matthew Joffre

How Surplus Is Created

Interactive Cash Visualizer

Leftover equity belongs to you, not the county. When a court auctions a foreclosed home, any bidding amount above the mortgage debt becomes a surplus fund that the prior owner is legally entitled to recover.

Use the sliders on the interactive panel to adjust the simulated foreclosure auction sale price and outstanding debt to see how your cash surplus scales.

Surplus Breakdown

Foreclosure Auction Price$350,000

Total Debt & Liens$180,000

Your Cash Surplus$170,000

Simulated example for illustration. Every case is verified against court records before any figure is quoted.

Verify & Recover

Three steps. We do the heavy lifting.

  1. We verify

    We audit court records and county files to confirm the exact surplus funds held on your former property at no cost.

  2. Our attorney files

    Your Maryland counsel, John Houlihan of Houlihan Law, prepares, structures, and files the legal claim in court.

  3. You get paid

    The court releases the funds directly to you. We earn a percentage only after your check clears — never before.

Free Claim Check

See if you’re owed

Takes 30 seconds. We’ll search the records and call you back with verified amounts — no obligation, no cost.

Maryland Line
410-216-5738 Email
[email protected]

Full Circle Asset Recovery LLC is a private, for-profit asset-recovery firm. We are not a government agency. Our fees are contingency-based — if we don’t recover, you don’t pay.

Start Your Free Review

Tell us your name1 / 5
Tell us your name

Please enter your first name.

Please enter your last name.

How should we reach you?

Please enter a valid email address.

Please enter a valid phone number.

Where is the property?

Please select a state.

What brings you here?

Please choose one option.

Any details that help us respond faster?

🔒 Private & confidential. We never sell your information.

FAQ

Surplus recovery, clarified.

No. These are excess proceeds from the auction of your property. The county is legally required to hold them, but they rarely track down former owners to tell them. You can check with the court; we simply verify the audit and file the legal petition on a performance basis.

Absolutely zero. We cover all discovery, research, and legal filing fees. We only get paid a contingency percentage if and when you receive your funds. If we recover nothing, you owe nothing.

Typically between 90 and 120 days, depending on the county probate court’s caseload. Our state attorneys handle all deadlines, updates, and hearings.

The surplus is an asset of the estate and passes to the family heirs. We coordinate with families to establish the legal right of inheritance and secure the payout.