Surplus Funds Recovery in Nevada
If your property was foreclosed in Nevada 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.
Nevada provides 6 months to claim surplus funds from a trustee sale. The state saw massive foreclosure volumes after 2008.
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Check My Eligibility FreeHow Surplus Funds Work in Nevada
Nevada uses non-judicial (deed of trust) foreclosure. This means foreclosures can happen outside the court system, often moving faster than judicial states.
Under Nevada Revised Statutes § 107.080, 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.
Nevada is dominated by Clark County (Las Vegas), which accounts for the vast majority of foreclosures. The state experienced extreme foreclosure volumes during the housing crisis. Property values have recovered significantly, creating larger surplus amounts.
How to File a Surplus Funds Claim in Nevada
Contact the trustee who conducted the foreclosure sale
Submit a written claim to the trustee within 6 months of the sale
Provide proof of identity and evidence of ownership or lien interest
If no competing claims, the trustee disburses the surplus
If disputed, the trustee deposits funds with the court
Sounds complicated? We handle all of this for you. Our team researches your case, prepares the paperwork, and works with licensed attorneys in Nevada to file your claim. You only pay when we recover your funds.
Top Nevada Counties for Surplus Funds
These Nevada counties have the highest foreclosure volumes and are most likely to have unclaimed surplus funds:
Frequently Asked Questions — Nevada
Nevada 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 Nevada 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 Nevada Revised Statutes § 107.080. 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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