Surplus Funds Recovery in Hawaii
If your property was foreclosed in Hawaii 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.
Hawaii allows 1 year to claim surplus funds from a foreclosure sale. The state uses both judicial and non-judicial processes.
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Check My Eligibility FreeHow Surplus Funds Work in Hawaii
Hawaii uses both (judicial and non-judicial) foreclosure. This means all foreclosures go through the court system, creating a clear paper trail for surplus funds claims.
Under Hawaii Revised Statutes § 667-31, 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.
Hawaii has some of the highest property values in the nation, which can lead to very large surplus amounts. The state has only four counties. Foreclosure volume is relatively low but individual claim values tend to be high.
How to File a Surplus Funds Claim in Hawaii
Contact the foreclosing mortgagee or their attorney
File a claim for surplus funds with the circuit court in the appropriate circuit
Provide proof of identity and evidence of ownership or lien interest
The court determines priority and entitlement
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 Hawaii to file your claim. You only pay when we recover your funds.
Top Hawaii Counties for Surplus Funds
These Hawaii counties have the highest foreclosure volumes and are most likely to have unclaimed surplus funds:
Frequently Asked Questions — Hawaii
Hawaii allows 1 year 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 Hawaii typically range from $20,000–$75,000, 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 Hawaii Revised Statutes § 667-31. 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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