When your home sold at auction, the bank took what you owed. If it sold for MORE than your debt — that leftover money is legally yours. It's sitting in a government account right now. Most people never know to claim it.
My name is Daniel Salazar, founder of Prospera Claims. I find that money and fight to get it back in your hands. You pay me nothing unless I win.
Free consultation • No upfront cost • You only pay if we recover
Most people have never heard of surplus funds. That's exactly why so much money goes unclaimed.
When a lender forecloses on a home, it gets auctioned to the highest bidder. The lender only takes what they're owed. Money remaining after required claims and obligations may become surplus funds. Entitlement depends on the applicable law and case facts.
The surplus is deposited with the county court or a government agency. It sits there — sometimes for years — waiting to be claimed. Unclaimed-funds handling and deadlines vary by jurisdiction.
Notification laws vary by state. Many homeowners are never properly told. They're already dealing with the trauma of losing their home — the last thing they expect is a check waiting for them.
100% legal. Surplus funds recovery is a legitimate, court-recognized process. The money is yours by law. The recovery process depends on the applicable law and the facts of each case.
This simplified example illustrates a potential surplus before considering liens, costs, priority claims, or other legal issues.
There is no retainer, no application fee, no consultation fee, no hidden charges — nothing. Not a single dollar leaves your pocket until funds are recovered and in your hands.
My fee comes as a percentage of what we recover together. If I don't win your case, I don't get paid. I'm just as motivated as you are — because my income depends on your success.
I eat what I kill. And I only eat when you eat first.
We talk. You tell me the property address, state, and roughly when the foreclosure happened. No paperwork, no fees, no pressure.
I pull court records, auction results, and county filings to find surplus funds. This costs you nothing.
If I find money, I show you exactly what's there. You decide if you want to move forward. Zero obligation.
I help organize the documentation and next steps required for your claim. If attorney involvement is required, that will be explained clearly.
The court releases funds to you first. My pre-agreed percentage comes from the recovery. You never write me a check out of pocket. Ever.
My name is Daniel Salazar. I started Prospera Claims to help people identify potential surplus funds and understand the recovery process using available public records.
Surplus funds can be difficult to identify and the rules vary by jurisdiction. My goal is to make the research and recovery process easier to understand and help potential claimants determine their next steps.
I'm not a large corporation. I'm not a call center. When you work with me, you work with me directly. I answer my phone. I know your case. I fight for your outcome like it's my own money on the line.
I don't charge upfront. I don't make promises I can't keep. I stay with you until the check clears — and I don't earn a dime until it does.
Surplus funds aren't a loophole — they're the law. Surplus funds can arise when a qualifying property sale produces proceeds beyond amounts that must be paid first. Who is entitled to the remaining funds depends on the applicable law, liens, claims, and case facts.
Because I physically cannot get paid before you do. The funds are released by a court — not by me. My fee comes from the recovery after you've received your share. There's no scenario where I get paid and you don't.
No catch. My fee is a pre-agreed percentage of whatever we recover — disclosed upfront before you sign anything. You'll know exactly what I make before we start. If we recover nothing, I make nothing.
Yes — and I'll never lie to you about that. But the process involves locating the correct court, filing the right legal motions, meeting strict deadlines, and responding to challenges from junior lienholders. The process can involve court or county procedures, documentation, deadlines, and competing claims. Some people choose professional assistance because procedures, documentation, deadlines, liens, and competing claims can make a case more complicated.
Junior lienholders like second mortgage companies or HOAs may also have a claim. My job is to protect your position and fight for your rightful share. Navigating competing claims is part of what I do.
Zero judgment here. Foreclosure happens to hardworking people every day. You don't owe anyone an explanation. You just deserve the money that's legally yours.
Then I'll tell you — honestly, quickly, and at zero cost to you. I do the research first. If there are no surplus funds or the claim window has closed, I won't waste your time. You'll have real answers either way, for free.
Deadlines vary by state — some give you 1 year, others up to 5 years or more. Don't assume you've missed it. I've recovered funds for people who waited years. Reach out first — then we'll know for sure.
One conversation. No cost. No obligation. Just the truth about what you may be owed.
Free consultation • Zero upfront cost • I don't get paid until YOU get paidTiming varies by jurisdiction, claim type, required documentation, competing claims, and court or county processing. I can give you a better estimate after reviewing the case.
The amount varies by case. I will review available public records to identify the reported surplus and any issues that may affect a potential claim.
Not necessarily. Some states allow claims 3–5 years out or longer. Deadlines vary by jurisdiction and case type. A records review can help determine the current status.
Just the property address, the state, and roughly when the foreclosure happened. No documents needed before we talk.
Not always. Attorney involvement depends on the state, case type, and complexity. If legal representation is required, I will explain that before moving forward.
Availability and recovery procedures vary by state and case type. Submit your information and I will determine whether Prospera Claims can assist with your jurisdiction.
Very common and doesn't automatically disqualify you. Liens and other claims can affect who is entitled to the surplus and how much may be available. I'll assess the public records before making conclusions.
No upfront cost. No obligation. I don't make a dollar until you do.
You've been through enough. This part should be easy.
— Daniel Salazar, Founder, Prospera Claims