What We Do
Moss Equity Partners recovers surplus funds from foreclosure and tax sale auctions on behalf of former property owners. These funds represent the equity that remained in your property after the debt was satisfied at auction. By law that money belongs to you, but collecting it requires navigating a process most people do not know exists and cannot complete without help. We handle that process from beginning to end.
Mortgage Foreclosure
When a home sells at a foreclosure auction for more than the outstanding mortgage balance, the excess belongs to the former homeowner by law. Lenders have no right to keep it. But collecting it requires navigating a process most people do not know exists. We handle everything on your behalf.
Tax Sale Overages
When a tax delinquent property sells at auction for more than the back taxes owed, the overage belongs to the former property owner. These funds are held with a deadline to claim them. Once that deadline passes the money is gone permanently. We locate these cases and manage the full recovery process.
Heir and Estate Claims
When a former property owner is deceased, surplus funds may still be recoverable by legal heirs. These cases require heirship research, estate documentation, and in some states direct court involvement. We handle the research and documentation required to bring heir claims forward on behalf of the estate.
Our Process
We Verify the Funds
We research records to confirm that surplus funds exist and that a valid claim can still be filed. We handle all coordination with counties, courts, and our attorney partners from this point forward.
We Send Our Agreement
Before any work begins we provide a written agreement so you know exactly what to expect. There is no upfront cost and nothing owed unless we recover.
We Gather What Is Needed
We tell you exactly what we need from you and handle everything else. For heir and estate claims we coordinate all research and documentation required to establish standing.
We File and Manage the Claim
Our licensed attorney partners manage all filings and communications directly. You do not need to appear anywhere or contact any government office.
Funds Are Released to You
Once your claim is approved and funds are released, you receive your money. We keep you informed throughout the entire process and notify you immediately when disbursement is approved.
Why This Money Goes Unclaimed
The surplus funds notice is mailed to the last known address of the former owner, which in most cases is the property that was just foreclosed. By the time it arrives someone else lives there. The former owner never sees it. Months pass and the deadline closes without a claim ever being filed.
Claim windows vary by state and by case type. Some close in as little as 60 days. Others remain open longer. The only way to know if your window is still open is to have someone check. That is exactly what we do.
Even when former owners discover the funds exist, the recovery process is difficult without professional help. It requires specific documentation, legal knowledge, and in many states direct attorney involvement. One mistake can result in funds being released to another party. We exist to prevent that outcome.