FAQ — TWO LLC

Question 1

What are surplus funds?

Accepted Answer

Surplus funds — also called excess proceeds — are the money left over after a property is sold at a foreclosure or tax sale auction and the outstanding debt is paid off. For example, if you owed $80,000 on your mortgage and the home sold at auction for $130,000, the $50,000 difference is surplus funds that legally belong to you, the former owner.

Question 2

How do I know if I'm owed surplus funds?

Accepted Answer

Most people don't know — and that's exactly the problem. Counties and courts are not required to proactively notify former owners that surplus funds exist. The money is often held in a government account, unclaimed, sometimes for years. The best way to find out is to contact us for a free consultation. We research your case at no cost to you.

Question 3

How long do I have to claim surplus funds?

Accepted Answer

Deadlines vary by state and county, but most jurisdictions have a statute of limitations — often between 1 and 5 years from the date of the sale. After that window closes, unclaimed funds may be transferred to the state as abandoned property. If you believe you may be owed funds, it's important to act as soon as possible.

Question 4

Can businesses or estates claim surplus funds?

Accepted Answer

Yes. Surplus funds can be owed to individuals, businesses, trusts, and estates. If the former property owner has passed away, heirs or estate representatives may be entitled to claim the funds. We handle these more complex cases as well.

Question 5

What does the recovery process look like?

Accepted Answer

It starts with a free consultation where we review your situation. If we believe surplus funds exist, we take your case — at no cost to you. Our team researches public records, handles all legal filings, works with attorneys and notaries, and advocates on your behalf until the funds are recovered. You receive your money, and we collect our contingency fee only from the recovered amount.

Question 6

How long does the process take?

Accepted Answer

It depends on the county, the court's schedule, and the complexity of your case. Some recoveries are completed in a few weeks; others can take several months. We keep you updated throughout the process so you're never left wondering what's happening.

Question 7

Do I need to do anything during the process?

Accepted Answer

Very little. We handle the heavy lifting — research, filings, legal processes, and follow-ups. You may need to sign a few documents (which we prepare and have notarized) and provide some basic identification. Beyond that, we take care of everything.

Question 8

What if my case is complicated — multiple owners, an estate, or a business?

Accepted Answer

We handle complex cases regularly. Whether there are multiple claimants, the property was held in a trust or LLC, or the original owner has passed away, our team has the experience to navigate those situations. Just tell us your circumstances during the free consultation.

Question 9

How much does it cost to work with TWO LLC?

Accepted Answer

Nothing upfront — ever. We operate entirely on a contingency basis. That means attorney fees, notary costs, filing fees, and every other expense are covered by us. You pay nothing unless we successfully recover funds on your behalf. Our fee is collected only from the recovered amount.

Question 10

What is a contingency fee?

Accepted Answer

A contingency fee means we only get paid if we win. Instead of charging you hourly or upfront, we collect a percentage of the funds we successfully recover. If we don't recover anything, you owe us nothing. This aligns our interests completely with yours — we are motivated to recover as much as possible.

Question 11

Are there any hidden fees or charges?

Accepted Answer

No. There are no hidden fees, no surprise charges, and no costs passed on to you at any point in the process. Everything — attorney fees, notary fees, court filing costs — is covered by TWO LLC. The only thing we collect is our contingency fee from the funds we recover.

Question 12

What happens if you can't recover my funds?

Accepted Answer

If we are unable to recover surplus funds for you, you owe us absolutely nothing. No fees, no reimbursements, no charges of any kind. We take on all the financial risk so you don't have to.

Question 13

How do I get started?

Accepted Answer

Simply call our toll-free number or send us an email. The initial consultation is completely free and takes just a few minutes. We'll ask about your situation, review the basics, and let you know right away whether we believe surplus funds may exist in your case.

Question 14

What information do I need to provide?

Accepted Answer

For the initial consultation, just a general description of your situation — the property address, approximate date of the foreclosure or tax sale, and your relationship to the former owner. We'll guide you through anything else we need as we move forward.

Question 15

I'm not sure if I qualify. Should I still call?

Accepted Answer

Absolutely. The consultation is free and there's no obligation. Many people aren't sure whether they qualify — that's exactly what the consultation is for. We'd rather you call and find out you don't qualify than miss out on funds you're rightfully owed.

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