Service
Multiple-Owner Surplus Claims
If more than one person was on title when the property was foreclosed, the surplus usually has to be divided or claimed jointly. Divorce, an unrecorded buyout, an estranged co-owner or a deceased spouse can all complicate who signs and who gets paid.
We map out exactly who is on title, what each person's interest looks like, and what the custodian requires before it will release anything.
Who this is for
- Married or formerly married couples who owned the property together
- Siblings, relatives or business partners who shared title
- Owners whose co-owner is deceased, unreachable or uncooperative
What we do
- Verify the recorded title and every owner of record at the time of sale
- Identify divorce decrees, quitclaims or estate interests that affect the split
- Explain the custodian's requirements for joint or partial claims
- Coordinate documents and signatures across all claimants
- Keep every party updated on the same timeline
What we typically need from you
- Government photo ID for each claimant
- The recorded deed showing how title was held
- Divorce decree or property settlement, if applicable
- Death certificate for any deceased co-owner
Important to know
- Some courts will not disburse a partial share and require all owners to appear or consent.
- Disputes between co-owners over how to divide funds are legal matters for their own counsel.
Free records search. No upfront fees — our fee is deducted only if and when funds are successfully recovered. Rules, eligibility and deadlines are set by each state and county.
Check your state's process
Who may claim, how long they have and which office holds the money changes by state.
Open the Surplus Recovery State GuideOther services
- Mortgage Foreclosure Surplus Funds Recovery
- Tax Foreclosure & Tax Sale Excess Proceeds Recovery
- HOA & Condo Foreclosure Surplus Recovery
- Estate & Heir Surplus Funds Recovery