Frequently Asked Questions ❓

What are “surplus” or “excess” funds?

Surplus funds are the leftover money after a property sells at auction for more than what was owed in taxes, mortgage, or liens. That extra amount belongs to the former property owner or their heirs.

How do I know if I am entitled to surplus funds?

If you or a family member owned a property that was sold at auction and it sold for more than the debt owed, you may be eligible to claim those funds.

Why didn’t the county or mortgage company notify me about this money?

Counties and lenders rarely notify former owners directly. Instead, the money sits unclaimed until someone files the proper paperwork — which is where we come in.

Is this legal? It sounds too good to be true.

Yes! Surplus funds are 100% real and protected by law. We simply help you navigate the court and county process to recover what’s rightfully yours.

Do I have to pay anything upfront?

No. We only get paid when you do. Our fee is a small percentage of what we successfully recover on your behalf.

How long does the recovery process take?

Every county is different, but most claims take 60–120 days once the paperwork is filed correctly. For probate cases the timeline will be longer, they can take up to an additional 6 months just for probate all dependent on the county. We do take care of the filing for probate and all the fees associated with it.

What happens if the funds are never claimed?

If you don’t claim within the legal deadline, the money is usually forfeited to the county or the state. That’s why it’s important to act quickly.

Can my family claim funds if the property owner has passed away?

Yes. Heirs and next of kin (closest living relative(s) by law) can often claim on behalf of a deceased property owner. We’ll guide you through probate or inheritance steps if needed.

Why should I use Loch Family Asset Recovery Group instead of doing it myself?

We operate on the highest level of integrity and always with our client's best interest in mind. The process involves strict legal rules and deadlines. We’ve helped many families avoid costly mistakes by handling everything for them — from research to paperwork (notary services) to filing and paying all upfront costs to claim the funds.

What documents will I need to provide?

Typically, you’ll need proof of identity and a connection to the property (such as ownership documents, or if claiming as an heir, a death certificate). We’ll walk you through it step by step. If you cannot find documents such as a death certificate we can help retrieve this for you.

How do I know this isn’t a scam?

1) We understand your concern — if you’ve never heard of surplus funds before, it can sound too good to be true. The reality is, you don’t know until you reach out — but here’s what sets us apart from any scam:

2)No upfront costs. Scams usually ask for money upfront. With us, you’ll never pay a dime unless we successfully recover your funds.

3)Proof in writing. We show you the official county documentation that confirms the money is available in your name (or your family’s name).

4)Trusted legal support. Our reputable local attorney handles all legal matters, including probate when needed.

5)We take all the risk. We cover every expense — court filings, research, attorney fees, and more — so you have nothing to lose.

6)Convenient signing. We even send a licensed mobile notary to meet you wherever and whenever it’s most convenient.

Ultimately, we only get paid when you get paid. That’s why our interests are fully aligned with yours — and why reaching out costs you nothing.

What if there are multiple heirs or family members?

We will coordinate the claim with all parties and make sure funds are distributed properly according to court or probate rules.

Are surplus funds taxable?

In most cases, yes — they are considered income. We recommend speaking with your tax professional about how it applies to your situation.

What areas do you serve?

We are based in Georgia but we can work with any county and state. If you’re unsure, just contact us and we’ll quickly check if funds are available in your name.

How do I get started?

It’s simple! Reach out through our website by clicking on "Contact Us" on the bottom or top right of the page or go to our chat option on the bottom right of your screen. We’ll research your case for free, let you know if funds are available, and explain the next steps.

Call: (770) 250 - 7470