Surplus Funds Recovery in Arkansas
If your property was foreclosed in Arkansas 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.
Arkansas allows 2 years to claim surplus funds. After that, unclaimed surplus may be transferred to the state.
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Check My Eligibility FreeHow Surplus Funds Work in Arkansas
Arkansas uses judicial foreclosure. This means all foreclosures go through the court system, creating a clear paper trail for surplus funds claims.
Under Arkansas Code § 18-50-107, 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.
Arkansas is primarily a judicial foreclosure state, though non-judicial foreclosure is available under certain conditions. Lower property values mean smaller surplus amounts but also less competition for claims.
How to File a Surplus Funds Claim in Arkansas
Contact the commissioner or person appointed by the court who conducted the sale
File a motion with the circuit court in the county where the foreclosure occurred
Provide proof of identity, ownership, and lien priority
The court reviews all claims and determines entitlement
Surplus funds are disbursed per the court order
Sounds complicated? We handle all of this for you. Our team researches your case, prepares the paperwork, and works with licensed attorneys in Arkansas to file your claim. You only pay when we recover your funds.
Top Arkansas Counties for Surplus Funds
These Arkansas counties have the highest foreclosure volumes and are most likely to have unclaimed surplus funds:
Frequently Asked Questions — Arkansas
Arkansas allows 2 years 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 Arkansas typically range from $4,000–$12,000, depending on the property value, auction price, and outstanding debt. Some cases can be significantly higher.
Yes, you can file yourself. The process involves filing with the court, providing proof of ownership and identity, and navigating the legal requirements under Arkansas Code § 18-50-107. 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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