Surplus Funds Recovery in Colorado
If your property was foreclosed in Colorado 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.
Colorado offers a generous 5-year window to claim surplus funds, giving homeowners ample time to recover their equity.
Free eligibility check — takes 30 seconds. No upfront fees.
Check My Eligibility FreeHow Surplus Funds Work in Colorado
Colorado uses non-judicial (public trustee) foreclosure. This means foreclosures can happen outside the court system, often moving faster than judicial states.
Under Colorado Revised Statutes § 38-38-111, 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.
Colorado uses a unique public trustee system for foreclosures. Each county has a public trustee who handles the sale process. Rising property values along the Front Range have increased surplus fund amounts significantly.
How to File a Surplus Funds Claim in Colorado
Contact the public trustee in the county where the foreclosure sale occurred
File a claim with the public trustee providing proof of entitlement
Provide proof of identity and former ownership of the property
If competing claims exist, the public trustee files an interpleader with the court
Funds are disbursed once entitlement is established
Sounds complicated? We handle all of this for you. Our team researches your case, prepares the paperwork, and works with licensed attorneys in Colorado to file your claim. You only pay when we recover your funds.
Top Colorado Counties for Surplus Funds
These Colorado counties have the highest foreclosure volumes and are most likely to have unclaimed surplus funds:
Frequently Asked Questions — Colorado
Colorado allows 5 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 Colorado typically range from $10,000–$40,000, 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 Colorado Revised Statutes § 38-38-111. 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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