Surplus Funds Recovery in Michigan
If your property was foreclosed in Michigan 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.
Michigan provides only 6 months to claim surplus funds from a sheriff sale. The redemption period runs concurrently with the claim window.
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Check My Eligibility FreeHow Surplus Funds Work in Michigan
Michigan uses non-judicial (advertisement) foreclosure. This means foreclosures can happen outside the court system, often moving faster than judicial states.
Under Michigan Compiled Laws § 600.3252, 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.
Michigan primarily uses non-judicial foreclosure by advertisement. Wayne County (Detroit) has historically had very high foreclosure volumes. The state has a 6-month redemption period during which the homeowner can reclaim the property.
How to File a Surplus Funds Claim in Michigan
Contact the county register of deeds or the foreclosing party
File a claim with the circuit court in the county where the sale occurred
Provide proof of identity and former ownership of the property
The court reviews the claim 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 Michigan to file your claim. You only pay when we recover your funds.
Top Michigan Counties for Surplus Funds
These Michigan counties have the highest foreclosure volumes and are most likely to have unclaimed surplus funds:
Frequently Asked Questions — Michigan
Michigan allows 6 months 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 Michigan typically range from $5,000–$18,000, 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 Michigan Compiled Laws § 600.3252. 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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