If your home was sold at sheriff’s auction for more than the balance of your loan, that extra money—called surplus funds—belongs to you, not the bank. At Friscia & Associates LLC, we recover those funds on your behalf with zero upfront cost.

Why homeowners choose us
No upfront fees. You pay only if we recover money for you.

Fast eligibility check. A three‑minute call with an attorney tells you where you stand.

Proven experience. We’ve handled thousands of New Jersey foreclosure matters.

Ready to find out if you qualify? Call (973) 500‑8024 for your free eligibility check.

What are surplus funds?
When a sheriff’s sale brings in more than the total debt, taxes, and fees, the overage is deposited in the Superior Court Trust Fund. Former owners have first claim on every dollar.

Example:
Winning bid — $327,000
Amount owed — $298,400
Surplus available to you — $28,600

Do you qualify?
You may be eligible if any of the following applies:

You owned the property on the day of the sale.

You are an heir or the representative of the former owner’s estate.

You hold a junior mortgage or judgment recorded after the first mortgage.

Not sure? Call (973) 500‑8024 and we’ll sort it out for you.

How soon can you get paid?
We file the required motion within 7 days.

Courts usually schedule a hearing 45–60 days later.

Checks are typically mailed about 21 days after the court order.

Our 25 %‑fee promise
You keep 75 % of every dollar recovered. No retainers, hidden costs, or surprise expenses—ever.

Common questions
What exactly are surplus funds?

Am I eligible to claim them?

How can I confirm money exists for my property?

Is there a deadline to file?

(Visit the Surplus Funds FAQ section on our website for detailed answers.)

Free eligibility check
Call (973) 500‑8024 or email [email protected]. We’ll review your situation at no charge and explain your next steps.

Past results do not guarantee future outcomes. Attorney Advertising. Friscia & Associates LLC | 199 Wilson Ave., Suite A, Newark, NJ 07105.