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 RecoveryWe 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
What We Recover
We handle the entire claim — from research and filing to legal representation and final payout. Five focused service lines, one trusted team.
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 RecoveryForeclosure sales often net more than the mortgage owed. That surplus is legally yours — we pursue the claim and deliver it to you.
Learn More about Mortgage Overage RecoveryPost-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 ClaimsLost 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 ServicesFor professionals, investors, and aspiring recovery agents — structured training from operators who’ve recovered millions in real claims.
Learn More about Mentorship & EducationMeet the independent attorneys who support our recovery work. Legal representation depends on the matter and jurisdiction.
Meet the AttorneysThe Process
From free eligibility check to funds-in-hand, our process is built to protect you legally and keep you informed at every turn.
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.
Zero upfront costs, ever
No upfront fees. Our compensation comes from a successful recovery under your written agreement.
Attorneys file and represent you
When legal representation is needed, an attorney licensed in the relevant jurisdiction handles the legal filing and representation.
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
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 P. Houlihan, P.A.
Salisbury, Maryland
Maryland estate & surplus recovery
Attlas, LLC
Fairview Park, Ohio
Ohio probate & tax-overage practice
Parkway Law, LLC
Townsend, Delaware
Delaware foreclosure surplus & civil litigation
Crain, Caton & James
Houston, Texas
Texas tax-sale and excess-proceeds claims
Haynes Law Group, P.A.
Longwood, Florida
Florida counsel
Forster Law Firm, PLLC
Washington, D.C.
D.C. probate, estate planning & real estate
The Jerome Law Firm, PLLC
Miami, Florida
Florida surplus + probate recovery
Skyline Law Group PLLC
Bellevue, Washington
Washington surplus funds recovery — listed WSBA practice area
Hohmann, Boukis & Curtis Co., L.P.A.
Cleveland, Ohio
Ohio real estate + surplus claims
Janet L. Dutt LLC
Canton, Ohio
Ohio probate + estate recovery
Windtberg Law PLC
Phoenix, Arizona
Arizona real estate + surplus recovery
The Law Offices of Artaka Ross, LLC
Chicago, Illinois
Illinois counsel
The Law Offices of Jon Taylor, Esquire, PC
Philadelphia, Pennsylvania
Pennsylvania counsel
Perigon Legal Services
Atlanta, Georgia
Georgia counsel
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
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
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.
Client Stories
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.
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.
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.
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.
Frequently Asked
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
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.
Every claim, every filing, every deadline — handled with operator-level rigor.
We answer the phone like we’re talking to family, because often we are.
We’re only paid when you are. That alignment drives everything.
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.
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
No obligation. No upfront fees. A real person responds within 24 hours with a clear answer on whether surplus funds exist in your name.
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.
Thanks — a member of our team will reach out within 24 hours at the phone and email you provided.
Don’t Leave It Behind
Honest, attorney-backed recovery support. Deadline windows close — don’t leave money behind for the system to keep.
Start free
Use our on-page form, or the free name-check funnel. No upfront fees either way.
State guides
Official-source guides for foreclosure and tax-sale surplus by state. Start where the property was sold.