Add Income to Your Retirement Without Risking Your Benefits
Add Income to Your Retirement Without Risking Your Benefits
Help homeowners recover unclaimed foreclosure surplus funds while building a profitable business from home. We handle 95% of the work -- you just verify the foreclosure with a warm follow up call.
This is a business that lasts as long as homes exist
1,500 Foreclosures happen every day! your income opportunity never ends
Live Market Intelligence
Trusted By Recovery Agents Nationwide
Real-time data from ATTOM, HUD, and state surplus registries powering the largest independent recovery network in America.
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44,990
Foreclosures / Month
+57% YoY
💰
$3.2B
Unclaimed Surplus
Sitting in State Accounts
📈
1,454
New Cases / Day
Across 50 States
$18,700
Avg Surplus Per Case
30%
Recovery Fee (Most States)
87%
Never Claimed by Owner
Foreclosures in Dec 2025: 44,990 filings -- a 57% increase over Dec 2024
View Report
30+ Non-Judicial States Covered
Skip-Traced & DNC-Verified Leads
Updated Daily from State Records
127+
Active Recovery Agents
📊 Daily Foreclosure Estimate for 2026
Based on December 2025 data showing 44,990 foreclosure filings, that translates to approximately 1,454 foreclosures per day across the United States.
Source: ATTOM Data
📈 Current Trends
Foreclosure activity has been increasing significantly - December 2025 saw a 57% increase compared to December 2024. The activity is trending upward for several reasons:
Inflation, elevated interest rates, and rising consumer costs are causing more homeowners to struggle with mortgage payments
Surging insurance premiums, elevated interest rates, climbing HOA fees, and reduced buyer demand are contributing factors
The national rate stands at one in every 3,163 housing units having a foreclosure filing
⚠️ Important Context
While foreclosure activity is rising, it remains well below pre-pandemic norms and far below levels seen during the last housing crisis. For comparison, during the peak of the 2010 foreclosure crisis, there were roughly 1 million completed foreclosure auctions for that year.
🏠 States with Highest Foreclosure Rates:
New JerseySouth CarolinaMarylandDelawareFlorida
Every foreclosure creates a surplus funds recovery opportunity
Select your target counties and the system automatically scrapes foreclosure auction data, compiles owner information, and launches outreach campaigns:
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Select Counties
→
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Scrape Auction Data
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Compile Owner Info
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Launch Campaign
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Earn 30%
🔎County Data Scraping
System scrapes foreclosure data from counties you select - properties going to auction with owner contact info.
📱Auto-Campaign Setup
One click launches SMS, email & voicemail campaigns to reach property owners before auction.
🤝Free Claim Service
Owners sign up to claim their surplus funds for FREE while you earn 30% of recovered amounts.
📊CRM + Analytics
Track every lead, campaign, and deal. See your projected earnings in real-time.
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24/7 ACTIVE
EARN 30%
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How it works: Property owners claim their funds for FREE (no cost to them). You earn 30% of whatever is recovered - completely passive income after the campaign launches.
TANGIBLE ASSETS
📥 Downloadable Guides + Digital Resource Kit ▼
$297Included
📦
Professional Business Kit
Instant digital download
Everything you need in digital form. 3 professional guides + all documents included:
Training Manual
Step-by-Step Guide
Legal Documents
40+ Templates
Counties Directory
3,200+ Counties
ISBN: 9798245819860
Also available on Amazon
📚
Comprehensive Step-by-Step Resources
The complete documents collection and much more is fully accessible with your Asset Recovery Agent Dashboard
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Available immediately after enrollment. Download all guides and documents from your dashboard.
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EXCLUSIVE: The US County Asset Recovery Directory 2026 (ISBN: 9798245819860) gives you access to 3,200+ judicial and non-judicial foreclosure counties. This book and our other guides are also available on Amazon.
AUTHORITY & SEO
📰 Press Release to 400+ News Outlets ▼
$399Included
📣
Authority-Building Press Release
Distributed to 400+ news outlets
When prospects Google your company, they'll find news articles about your launch:
📰 Google News
📈 Yahoo Finance
💹 MarketWatch
🏢 Business Insider
📱 Digital Journal
🌐 300+ Regional
✓ Boosts Google search rankings
✓ Creates backlinks for SEO
✓ Instant credibility when searched
✓ "As Seen On" badge for website
ONGOING SUCCESS
🎧 Weekly Coaching Calls + 7-Day Support ▼
Included
🤝
You're Never Alone
Live support when you need it
Questions? Stuck? Need guidance? We're here for you every step of the way:
Commission Split: Junior agent receives 25% and the company receives 75% of "UP TO" 30% of the recovery fee, since some jurisdictions like Texas only allow recovery agents to collect up to 20%. (Established for all agents after 3/6/2026)
Dedicated landing page on our website
Shared 800 inbound number with your own extension
75 verified leads per week
Outreach automation + scripts
Full training program access
Support team access
No business entity required -- work as a 1099 sub-contractor
Professional email (yourname@usforeclosurerecovery.com)
Automated ringless voicemail drops to all your leads
Automated SMS and email campaigns with your contact info
Dashboard-managed lead outreach -- leads know you before you call
Certified mailing option with proof of service and free claims guide
Risk-free entry: 3 x $965 -- start immediately with full training, leads, and automation access
3 x $965 -- no credit check required. In-house financing available for qualified candidates.
Website Delivery Policy: Your customized website clone is contingent upon completion of all scheduled payments. Access to training, leads, automation, and support begins immediately upon your first payment.
Owner Operator Program
Your own brand, LLC, and full business
$6,995 or 4 x $1,995
Keep 100% of Recovery Fee i
Commission: You keep 100% of "UP TO" 30% of the recovery fee, since some jurisdictions like Texas only allow recovery agents to collect up to 20%.
Upgrade anytime: Partners can upgrade to Owner Operator for $2,100 (the difference). Payment plans must be completed first. Already have an LLC? Save $500 on Owner Operator.
Website Delivery Policy: Your custom white-label website, domain, and all branding deliverables are contingent upon completion of all scheduled program payments. Training, lead access, legal documents, automation systems, and support are activated immediately upon your first payment.
Starting as a Partner ($2,895)? Everything above is what you unlock when you upgrade to the Owner Operator Program. This is the complete business build -- your own brand, your own LLC, 100% of the commission.
In-house financing available for qualified candidates
Begin your training and start earning immediately!
Common Questions About the Partnership Program
Do I need my own business or LLC to get started?
No. With the Partnership program you work under our business as a 1099 sub-contractor. No business formation, no LLC paperwork, no extra costs. You can always upgrade to the Owner Operator program later if you want your own entity.
What does my $965 initial payment actually cover?
Your $965 first payment gets you immediate access to the full training program, our support staff to help you along the way, automated ringless voicemail drops for all your leads, SMS drip campaigns, and professional email templates sent out with your name and contact information. You also get your own extension on our shared 800 number and a professional email address at yourname@usforeclosurerecovery.com.
What if I decide this is not for me?
We stand behind our system with a Double Your Money Back Guarantee for Partnership enrollees. Follow the training, work the leads, use our phone system, and stay in touch with our support team. If after 12 months of active participation you have not closed a deal, we will refund double your initial investment.
How do leads hear about me before I reach out?
All your leads automatically receive voicemail drops, text messages, and emails loaded with your name and contact information -- all sent directly from your dashboard. By the time you make a warm follow-up call, they already know who you are. You will learn all the scripts for receiving inbound calls and making follow-up calls so you are prepared for every conversation.
Can I send leads something in the mail for proof?
Yes. We can send any of your leads a certified mailing if they request one on the call, or if you want to offer it proactively. The mailing includes proof of service, local state jurisdiction, legal precedent for surplus funds legitimacy, and a free guide on how we help them claim their funds successfully.
Are there payment plan options?
Yes. The Partnership is 3 x $965. The Owner Operator is 4 x $1,995 (or $500 off with an existing LLC). In-house financing is also available for qualified candidates whose budget does not fit the standard payment plan. Call (888) 545-8007 to speak with a business specialist.
🏢Already Have a Business?
If you already have an LLC or Corporation, you qualify for $500 OFF!
👉👈
Your Price:
$6,995
You Save $3,190 Today!
See What You're Getting
Live dashboards, professional websites, and everything you need to look established from day one
Your Personal Agent Dashboard
Track properties, commissions, clients, and transactions all in one place. Real-time data shows your business growth.
We guarantee you will earn back at least DOUBLE your program investment from your first closed deal.
So it's like getting this whole opportunity for FREE!
Follow the training, work the leads, use our phone system, and stay in touch with our support team. If after 12 months of active participation you have not closed a deal, we will refund double your initial investment.
Important: This guarantee applies only to the Junior Asset Recovery Agent Partnership program. To qualify, you must complete training, seek support from our staff, and make calls from our phone system (all calls are recorded). You must demonstrate a consistent effort to get contingency agreements signed. If you do not complete training, do not seek support, and do not make calls where it is obvious you are making a consistent effort, you will not qualify for a refund.
Everything you need to know about Asset Recovery, Foreclosure Surplus Funds, and building your recovery business
Asset Recovery Basics
What is asset recovery and how does it work?+
Asset recovery is the process of helping former property owners reclaim money they are legally owed after a foreclosure sale. When a property sells at auction for more than the outstanding mortgage debt, taxes, and fees, the excess amount (called surplus funds or overage) belongs to the former homeowner. As a recovery agent, you locate these individuals, help them file claims with the county, and earn a percentage of the recovered funds as your fee. This is a legitimate business that helps people who often don't know they have money waiting for them.
How much money is available in unclaimed surplus funds?+
According to government and industry reports, there are hundreds of billions of dollars in unclaimed assets across the United States. Foreclosure surplus funds alone represent a significant portion of this amount. In December 2025, there were 44,990 foreclosure filings nationwide, which translates to approximately 1,454 foreclosures per day. Many of these result in surplus funds that former homeowners never claim because they don't know the money exists or don't understand the claims process. This creates ongoing opportunities for recovery agents.
Is asset recovery legal?+
Yes, asset recovery is completely legal and ethical. You are simply helping people claim money that legally belongs to them. The fee you charge is agreed upon upfront through a signed contract, and the former homeowner receives the majority of their funds. Many states have specific regulations governing recovery agents, including maximum fee percentages (typically 25-30%) and required disclosures. Our business-in-a-box includes attorney-vetted documents that comply with regulations in all 50 states.
What is the average surplus fund amount per case?+
Surplus fund amounts vary widely depending on the property value, location, and market conditions at the time of sale. Average recoveries typically range from $25,000 to $100,000, though some cases can yield significantly more. With a 30% success fee, a $50,000 recovery would earn you $15,000. Many agents focus on cases with at least $10,000 in surplus to ensure the effort is worthwhile for both parties. Our County Directory helps you identify high-value opportunities in your target markets.
How long does the recovery process take?+
The timeline varies by county and case complexity. Simple cases with clear ownership can be resolved in 30-60 days. More complex cases involving multiple heirs, probate issues, or competing claims may take 3-6 months or longer. Judicial foreclosure states typically have longer processing times than non-judicial states. Our training covers strategies for working with different county procedures and expediting claims when possible. We provide templates and guidance for every step of the process.
Starting Your Recovery Business
Do I need any special licenses or certifications?+
Requirements vary by state. Most states do not require specific licenses for asset recovery work, but you do need a legitimate business entity (LLC or Corporation). Some states require registration as a claims agent or have bonding requirements. A few states restrict who can perform this work. Our training includes a state-by-state compliance guide and our legal documents are designed to meet requirements in all 50 states. The LLC formation included in your package establishes your business legitimacy.
How much time do I need to commit each week?+
Most successful agents dedicate 5-10 hours per week to their recovery business. Our automation systems handle lead generation, follow-up emails, SMS campaigns, and ringless voicemail drops automatically. Your primary tasks are reviewing leads, making contact calls with qualified prospects, and managing the claims process. The work is flexible and can be done from anywhere with an internet connection. Many agents run this as a part-time business alongside other work.
What's included in the Business-in-a-Box package?+
Your package includes everything needed to start: LLC formation with registered agent service, 50+ attorney-vetted legal documents, a clone of the US Foreclosure Recovery website customized with your branding, access to the Recovery Agent Dashboard, the US County Asset Recovery Directory covering 3,200+ counties, complete training (video, audio, and written guides), automated lead generation systems including ringless voicemail and SMS drip campaigns, a press release to 400+ news outlets, weekly coaching calls, and downloadable guides with all documents available from your dashboard.
Can I operate in any state?+
Yes, you can work with surplus fund cases in all 50 states from anywhere. Your LLC provides the legal foundation to conduct business nationwide. Our County Directory includes contact information, procedures, and requirements for over 3,200 counties across the country. Some agents focus on their home state while others target specific high-volume markets. The work is primarily done remotely through phone calls, emails, and mail correspondence with former homeowners and county offices.
What if I don't like making sales calls?+
We have a solution for that. Our professional closing team can handle your sales calls for a 10% fee on closed deals. They are trained specifically in surplus fund recovery conversations and know how to explain the process, address concerns, and close deals professionally. You simply pass qualified leads to them and they handle the rest. This allows you to focus on lead generation and claims processing while experienced closers handle the phone work.
Foreclosure & Surplus Funds
What exactly are foreclosure surplus funds?+
When a property is sold at a foreclosure auction, the sale price often exceeds the total amount owed on the mortgage, plus taxes, liens, and auction costs. This excess amount is called surplus funds, overages, or excess proceeds. By law, this money belongs to the former property owner. Counties hold these funds, but many former homeowners never claim them because they've moved, don't know the money exists, or don't understand how to file a claim. This creates the opportunity for recovery agents.
What's the difference between judicial and non-judicial foreclosure?+
Judicial foreclosures go through the court system and are more common in states like New York, New Jersey, and Florida. They take longer but provide more detailed public records. Non-judicial foreclosures happen outside the court system through a trustee and are faster, common in states like Texas, California, and Georgia. Both types can result in surplus funds. Our County Directory indicates which type each county uses and provides specific procedures for claiming surplus in each jurisdiction. Understanding these differences helps you target the right markets.
Is this good for real estate agents?+
Absolutely! This is perfect for realtors, especially those not actively selling. You already understand real estate, foreclosures, and have potential contacts. Many of our top agents have real estate backgrounds and find this business complements their existing knowledge and network.
How do I find surplus fund leads?+
Leads come from multiple sources. County records show foreclosure auctions and surplus amounts. Court databases contain case information. Public auction listings are published in advance. Our automated systems help identify leads and the County Directory shows exactly where to look in each jurisdiction. You'll also learn skip tracing techniques to locate former homeowners who have moved. Our training covers all lead generation methods and our automation handles outreach through ringless voicemail, SMS, and email campaigns.
Is there a time limit to claim surplus funds?+
Yes, each state has a statute of limitations for claiming surplus funds, typically ranging from 2 to 10 years depending on the jurisdiction. After this period, unclaimed funds may escheat (transfer) to the state's unclaimed property fund. This creates urgency for former homeowners to act and provides a valuable service timeline you can communicate. Our training covers these deadlines by state so you can prioritize cases that are approaching their limits.
What documents are needed to file a claim?+
Required documents typically include: proof of identity for the former owner, proof of ownership at the time of foreclosure, an assignment of interest or power of attorney authorizing you to act on their behalf, the claim form specific to that county, and supporting documentation like the original deed or closing documents. Our 50+ legal document templates cover all scenarios including heir claims, probate situations, and standard owner claims. Each template is attorney-vetted and compliant with state requirements.
Mortgage Recovery
What is mortgage recovery and how is it different from foreclosure recovery?+
Mortgage recovery focuses on helping homeowners with overcharges, escrow errors, PMI refunds, and other mortgage-related funds owed to them. While foreclosure recovery deals with surplus from property sales, mortgage recovery addresses errors made during the life of the loan. This includes improper fees, miscalculated interest, escrow overcharges, and unreturned PMI after reaching 20% equity. The US Mortgage Recovery upsell adds this complementary income stream to your business.
What is the US Mortgage Recovery upsell?+
For $395 (available within 24 hours of your main purchase), you receive a complete mortgage recovery business system including a clone of the US Mortgage Recovery website, additional training materials specific to mortgage overcharges, templates for mortgage recovery claims, and access to mortgage-specific lead generation. This expands your service offerings and income potential by addressing a different but related market segment. Many of your foreclosure contacts may also have mortgage recovery opportunities.
Can I do both foreclosure and mortgage recovery?+
Absolutely. Many successful agents offer both services, which provides multiple income streams and allows you to help the same clients in different ways. Someone who lost their home to foreclosure may also have mortgage overcharges to recover. Current homeowners who aren't facing foreclosure may have escrow issues or PMI refunds. By offering both services, you can serve a broader market and maximize your revenue potential.
Business Operations & Income
How much work do I actually have to do?+
We do 95% of the work. Your main tasks: verify your business address, approve your press release, record a 3-minute voicemail, and manage campaigns about 5-10 hours per week. Everything else is automated through our systems.
What if I don't like sales?+
Perfect. Our professional closing team can handle all sales calls for you. They take 10% of closed deals - you keep the rest while doing zero phone sales. Many of our most successful agents never make a single sales call.
How much can I realistically earn?+
Income varies based on your effort, market, and closing skills. With a 30% success fee and average recoveries of $25,000-$100,000, each closed case can earn you $7,500 to $30,000. Closing just one case per month at the average level generates significant income. Active agents who dedicate consistent time to lead generation and follow-up can close multiple cases monthly. Your income scales with your activity level and the markets you target.
When do I get paid?+
You receive your fee when the county releases the surplus funds. The check typically goes to you first (as the authorized representative), and you deduct your agreed-upon percentage before forwarding the remainder to your client. This structure is outlined in the assignment documents and ensures you receive payment for your work. Timeline from claim filing to payment varies by county but is typically 30-90 days for straightforward cases.
What happens if a claim is denied?+
Claims can be denied for various reasons: incomplete documentation, competing claims from other parties, liens or judgments against the property, or ownership disputes. Our training covers how to minimize denials through proper due diligence before taking on cases. If a claim is denied, you can often appeal or resubmit with additional documentation. Since you work on contingency, you don't earn a fee on unsuccessful claims, which motivates thorough case vetting upfront.
How do the automation systems work?+
Our automation handles outreach at scale. You record your voicemail message once, and the system delivers it to prospects' phones without ringing (ringless voicemail). Email and SMS drip campaigns follow up automatically over 60 days with professionally written sequences. The system tracks opens, clicks, and responses so you know who's interested. This lets you focus on warm leads rather than cold outreach. All automation is compliant with telecommunications regulations.
Is there ongoing support after I purchase?+
Yes. You receive 7-day direct support access after purchase for immediate questions. Weekly coaching calls provide ongoing training and Q&A with experienced recovery agents. The Recovery Agent Dashboard includes updated resources, templates, and training materials. Our community of agents shares insights and strategies. We're invested in your success because successful agents are our best testimonials.
Package & Payment
What's included with the LLC formation?+
You receive the complete Standard LLC Package from StartMyBusiness.us (67 points of service): business formation, 800 number, business email, business address, and more. You'll get a 6-digit code to claim your free services. This is a $2,500+ value included in your package.
What are the payment options?+
The Partnership Program is 3 x $965. The Owner Operator Program is 4 x $1,995. Already have an LLC? Save $500 on Owner Operator. In-house financing is available for qualified candidates. You get immediate access to your dashboard and training while making remaining payments. Call (888) 545-8007 for details.
What is the $500 existing business discount?+
If you already have an LLC or Corporation, you qualify for $500 off the package price. This discount recognizes that you've already invested in your business foundation. Instead of $6,995, you pay $6,495. The discount applies because we don't need to form a new LLC for you - you'll simply add this business activity to your existing entity. Click the discount button on this page to apply it to your purchase.
Is there a money-back guarantee?+
Due to the nature of this product (immediate access to digital training, legal documents, and LLC filing services), refunds are generally not available once services are rendered. We encourage you to review all materials on this page, watch the videos, and explore the live dashboard demo before purchasing to ensure this opportunity is right for you. Our success-based model means we're motivated to help you succeed - your wins are our best marketing.
How quickly can I get started?+
You receive instant access to the Recovery Agent Dashboard, training materials, and downloadable document templates upon purchase. Your customized website is typically ready within 24-48 hours. LLC formation begins immediately and is usually completed within 7-14 business days depending on your state. All guides and resource kits are downloadable from your dashboard. Most agents are actively working leads within their first week.
What makes this business recession-proof?+
Foreclosures actually increase during economic downturns. When the economy struggles, more homeowners face financial hardship and lose properties. This means more surplus fund opportunities for recovery agents. The business is countercyclical - it performs well when other businesses struggle. Additionally, as long as homes exist and mortgages are issued, there will be foreclosures and surplus funds. This is a permanent market opportunity, not a trend.
Ready to Start Your Asset Recovery Business?
Join 127+ agents already recovering funds and earning commissions across America
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