Surplus Funds Recovery in Arizona
If your property was foreclosed in Arizona and sold at auction for more than what was owed, you may be entitled to the surplus. Most former homeowners never find out this money exists.
Arizona has a strict 90-day window to claim surplus funds from a trustee sale. Act immediately upon receiving notice.
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Check My Eligibility FreeHow Surplus Funds Work in Arizona
Arizona uses non-judicial (deed of trust) foreclosure. This means foreclosures can happen outside the court system, often moving faster than judicial states.
Under Arizona Revised Statutes § 33-812, when a foreclosed property sells at auction for more than the outstanding debt (including mortgage, liens, fees, and costs), the excess amount — known as surplus funds — legally belongs to the former property owner.
Arizona experienced massive foreclosure volumes after the 2008 crisis and continues to see significant activity. Maricopa County (Phoenix) dominates with the vast majority of foreclosure sales in the state.
How to File a Surplus Funds Claim in Arizona
Contact the trustee who conducted the sale (identified on the deed of trust)
File a written claim with the trustee within 90 days of the sale
Provide proof of identity and evidence of entitlement to the surplus
If the trustee cannot determine entitlement, they deposit funds with the court
The court resolves competing claims and orders disbursement
Sounds complicated? We handle all of this for you. Our team researches your case, prepares the paperwork, and works with licensed attorneys in Arizona to file your claim. You only pay when we recover your funds.
Top Arizona Counties for Surplus Funds
These Arizona counties have the highest foreclosure volumes and are most likely to have unclaimed surplus funds:
Frequently Asked Questions — Arizona
Arizona allows 90 days to file a claim for surplus funds from a foreclosure sale. After this deadline, funds may be permanently forfeited or transferred to the state unclaimed property division.
Surplus amounts in Arizona typically range from $10,000–$35,000, depending on the property value, auction price, and outstanding debt. Some cases can be significantly higher.
Yes, you can file yourself. The process involves contacting the trustee or county, providing proof of ownership and identity, and navigating the legal requirements under Arizona Revised Statutes § 33-812. Many claims are denied due to paperwork errors, which is why most people work with a recovery service.
We work on a contingency basis — no upfront fees. Our standard fee is 25% of the recovered amount. If you use our self-service portal, you save an additional 5%. If we don't recover anything, you owe nothing.
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