Attorney-Backed Confidential Support

Securing what’s rightfully yours.

We help individuals, families, and businesses recover surplus funds from foreclosures, tax sales, and bankruptcy claims — with no upfront fees and full attorney-backed support from filing to payout.

1,000+ clients
trust Full Circle

No Upfront Fees Nationwide Intake $15M+ Recovered

What We Recover

A full recovery practice
for every surplus situation.

We handle the entire claim — from research and filing to legal representation and final payout. Five focused service lines, one trusted team.

Tax Overage Recovery

When properties are sold at tax sale for more than the tax debt, the overage belongs to the former owner. We find it, file it, and recover it.

Learn More about Tax Overage Recovery

Bankruptcy Claims

Post-bankruptcy funds often go unclaimed for years. Our team identifies, verifies, and files the claim on your behalf — start to finish.

Learn More about Bankruptcy Claims

Redemption Services

Lost property to foreclosure or tax sale? Many states give you a redemption window. We help you act before that window closes.

Learn More about Redemption Services

Mentorship & Education

For professionals, investors, and aspiring recovery agents — structured training from operators who’ve recovered millions in real claims.

Learn More about Mentorship & Education

Attorney Network

Meet the independent attorneys who support our recovery work. Legal representation depends on the matter and jurisdiction.

Meet the Attorneys

The Process

Four steps.
Zero guesswork.

From free eligibility check to funds-in-hand, our process is built to protect you legally and keep you informed at every turn.

  1. Discovery

    We surface hidden surplus funds

    Share a few details. We research public records and confirm whether surplus funds exist in your name — at no cost to you.

  2. Agreement

    Zero upfront costs, ever

    No upfront fees. Our compensation comes from a successful recovery under your written agreement.

  3. Legal Filing

    Attorneys file and represent you

    When legal representation is needed, an attorney licensed in the relevant jurisdiction handles the legal filing and representation.

  4. Recovery

    Funds delivered directly to you

    Your written agreement explains the fees and how recovered funds are disbursed. You receive an accounting of your proceeds.

Our Attorney Network

Independent counsel. Local experience.

We coordinate with independent attorneys for matters that require legal representation. The attorneys below serve the jurisdictions shown; availability and representation are confirmed for each matter.

John Roger Cox, Esq.

Crain, Caton & James

Houston, Texas

Bar No. 00793562

Texas tax-sale and excess-proceeds claims

Michael C. Forster, Esq.

Forster Law Firm, PLLC

Washington, D.C.

Bar No. 1006377

D.C. probate, estate planning & real estate

Ricardo Alexander Jerome, Esq.

The Jerome Law Firm, PLLC

Miami, Florida

Bar No. 1030472

Florida surplus + probate recovery

Michele K. McNeill, Esq.

Skyline Law Group PLLC

Bellevue, Washington

Bar No. 32052

Washington surplus funds recovery — listed WSBA practice area

Kenneth Boukis, Esq.

Hohmann, Boukis & Curtis Co., L.P.A.

Cleveland, Ohio

Bar No. 9916

Ohio real estate + surplus claims

Janet Louesa Dutt, Esq.

Janet L. Dutt LLC

Canton, Ohio

Bar No. 59133

Ohio probate + estate recovery

Marc Windtberg, Esq.

Windtberg Law PLC

Phoenix, Arizona

Arizona admission — October 2006

Arizona real estate + surplus recovery

Attorney listings updated September 22, 2026. Use the directory links to check current registration details. Representation is confirmed for each matter. Questions? Contact us.

By the Numbers

Measurable. Verifiable.
Life-changing.

Every figure below reflects actual recoveries delivered to actual families and businesses — not projections, not promises.

$15M+

Recovered Funds

1,000+

Clients Served

50

States Accepted for Review

95%

Success Rate

Nationwide recovery footprint

Coverage that looks as serious as the work.

Hover or tap a state to see how Full Circle routes surplus, foreclosure, tax-sale, and court-held recovery claims across the country.

Selected jurisdiction

Nationwide

50 states covered

Attorney-backed eligibility review and claim-routing support from intake through payout.

Documented recovery activity Coverage available
Interactive United States coverage map All states are selectable. Green states highlight documented recovery activity; muted states show nationwide coverage availability.

Client Stories

Real people. Real recoveries.

These are the outcomes our clients describe in their own words — families who thought the door had closed, finding out it hadn’t.

After my foreclosure I thought the money was gone for good. Full Circle found surplus funds that were mine, walked me through every step, and I had a check in my hand in a matter of weeks.

Lisa M.

Dayton, Ohio — Foreclosure Recovery

I had no idea surplus funds from a tax sale were even a thing. Full Circle recovered $15,000 I had written off. They earned every bit of their fee — and zero came out of my pocket upfront.

James R.

Fresno, California — Tax Sale Recovery

Coming out of bankruptcy I didn’t have the energy to fight another paperwork battle. Full Circle handled the entire claim and kept it stress-free. That kind of service meant everything.

Cheryl D.

Flint, Michigan — Bankruptcy Claim

What I valued most was the integrity. No fee until funds were recovered. No pressure. Honest answers. You can feel that this team has been through real loss themselves.

Michael S.

Allentown, Pennsylvania — Recovery Client

Frequently Asked

Questions we hear every week.

Straight answers, in plain language — so you know exactly what to expect before you reach out.

We identify and recover surplus funds that belong to individuals and businesses after foreclosures, tax sales, and bankruptcy proceedings. Our attorney-backed team handles the claim from research through payout, so you don’t have to navigate county courts, statutes, or deadlines alone.

You won’t always know — that’s the hard part. Most people never get notified. Start with our free eligibility check: share a few basic details and we’ll research public records for surplus claims tied to your name, a prior property, or a past case.

Surplus funds may be claimed by eligible parties under the applicable state and local procedures. FCAR coordinates recovery services; independent licensed attorneys provide legal advice and representation when needed.

There are no upfront fees for our recovery service. Our fee is agreed in writing and paid from a successful recovery. Your agreement explains the fee and how the proceeds are distributed.

Timing depends on the case, required documents, and the court or agency handling the funds. Some claims take weeks; others take months or longer. We provide a case-specific estimate after reviewing the record.

You can contact our Brockton, Massachusetts team remotely by phone or email. Many documents can be completed electronically; any court, notarization, or in-person requirements depend on your matter.

Our Story

Built from loss.
Operated with purpose.

Full Circle was founded by Matthew Joffre and Carl O’Neal — two men who both lost their family homes to foreclosure as teenagers in Brockton, Massachusetts.

That lived experience shapes how we work. We know what it feels like to have the system move against you without explanation. Our mission is to make sure no family leaves money on the table simply because the paperwork is designed to be confusing.

  • Disciplined Execution

    Every claim, every filing, every deadline — handled with operator-level rigor.

  • Empathy First

    We answer the phone like we’re talking to family, because often we are.

  • Results-First Culture

    We’re only paid when you are. That alignment drives everything.

Matthew Joffre

Matthew Joffre

Co-Founder & Managing Partner

Leads firm operations and legal strategy. Matthew built the claim desk from the ground up and has personally overseen recoveries totaling eight figures.

Carl O'Neal III

Carl O’Neal

Co-Founder

Heads client relations and outreach. Carl has spent the last decade helping displaced homeowners navigate a system most law firms never explain.

$6M+

Recovered in 2025 Alone

Including single claims up to $1.7M — real families, real results.

Free Claim Check

You could be owed
thousands.

No obligation. No upfront fees. A real person responds within 24 hours with a clear answer on whether surplus funds exist in your name.

Phone
(307) 323-4303
Email
[email protected]
Location
Brockton, MA — Nationwide Intake

Full Circle Asset Recovery LLC is a private, for-profit asset-recovery firm. We are not a government agency. Our fees are contingency-based — if we don’t recover, you don’t pay.

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Don’t Leave It Behind

The money may
already be yours.

Honest, attorney-backed recovery support. Deadline windows close — don’t leave money behind for the system to keep.

Start free

Check for surplus funds two ways.

Use our on-page form, or the free name-check funnel. No upfront fees either way.

On-page free claim check Open free name check →

State guides

Official-source guides for foreclosure and tax-sale surplus by state. Start where the property was sold.

Ohio Maryland Illinois Delaware Texas Florida Massachusetts New Jersey Pennsylvania Georgia Indiana Michigan New York North Carolina Virginia California