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.
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Attorney-Backed
100% Confidential
100% Confidential
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.
Claim Deadlines Apply — Surplus funds have legal expiration dates. Most people don’t know until it’s too late.
Check Eligibility Now
Attorney-Backed
100% Confidential
No Upfront Fees
All 50 States
What We RecoverA full recovery practice
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.
Mortgage Overage Recovery
Foreclosure sales often net more than the mortgage owed. That surplus is legally yours — we pursue the claim and deliver it to you.
Learn MoreBankruptcy Claims
Post-bankruptcy funds often go unclaimed for years. Our team identifies, verifies, and files the claim on your behalf — start to finish.
Learn MoreRedemption Services
Lost property to foreclosure or tax sale? Many states give you a redemption window. We help you act before that window closes.
Learn MoreMentorship & Education
For professionals, investors, and aspiring recovery agents — structured training from operators who’ve recovered millions in real claims.
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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.
Agreement
Zero upfront costs, ever
No retainer. No hidden fees. We only earn when your funds are recovered and delivered to you in full.
Legal Filing
Attorneys file and represent you
Our attorneys prepare and file the claim, representing your interests through the full legal process under the applicable state statutes.
Recovery
Funds delivered directly to you
Funds are released and transferred directly to you — documented, legitimate, and fully accounted for.
The ProcessFour steps.
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.
By the NumbersMeasurable. Verifiable.
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
All States Covered
95%
Success Rate
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.
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.
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.
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.
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.
Completely. Surplus fund recovery is a recognized legal process governed by state statutes. Every claim we file is prepared by or under the supervision of licensed attorneys and follows that jurisdiction’s rules to the letter.
Nothing upfront. We work on a contingency basis — if we don’t recover funds for you, you don’t pay a thing. Our fee is a pre-agreed percentage, deducted only after funds are delivered to you.
It varies by jurisdiction. Some claims resolve in a matter of weeks; more complex cases can take several months. You’ll receive a realistic timeline during your eligibility review, and status updates throughout.
No. The entire process runs remotely — phone, email, and secure e-signature. We serve clients in all 50 states from our Brockton, MA headquarters, and you can complete everything from home.
Our StoryBuilt from loss.
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
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
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 CheckYou could be owed
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.
Request received.
Thanks — a member of our team will reach out within 24 hours at the phone and email you provided.
Don’t Leave It BehindTHE MONEY MAY
THE MONEY MAY
ALREADY BE YOURS.
Honest, attorney-backed recovery support. Deadline windows close — don’t leave money behind for the system to keep.