Founder
Carson Jacobs
A New York native with more than seven years of real estate experience, Carson founded C&J after helping a homeowner recover surplus funds they were entitled to but had no clear way to access.
Mortgage & tax surplus recovery
Money may be recoverable
after a foreclosure or tax sale.
When a foreclosure or qualifying tax sale leaves money after the required obligations are paid, those funds may belong to the former owner or another entitled party. C&J helps you find out what happened and understand what comes next.
No upfront recovery feeFree, no-obligation consultationReal people. Clear communication.
New YorkNew JerseyConnecticutServing surrounding communities
How it can happen
Two common paths.
One place to start.
If a property was sold through foreclosure or a qualifying tax sale, money may sometimes remain after the applicable obligations are addressed. Choose the path that sounds closest to what you remember.
01 · Mortgage foreclosure
The property was sold after a foreclosure.
Money may remain after the sale. We’ll research the matter to see whether a surplus may exist.
Learn about mortgage surplus02 · Qualifying tax sale
The property was sold through a tax-related sale.
Some tax sales can leave excess proceeds. We’ll help determine what happened.
Learn about tax-sale surplusNot sure which path applies?That’s okay. Start with the property address and we’ll take it from there.
Request a Free ConsultationWhat you can expect from us
Serious about the process.
Human about the experience.
Surplus recovery can feel unfamiliar, especially when you’re not sure where to start. We make the process easier to understand, keep communication clear, and explain what we find before you decide whether to move forward.
No upfront recovery feeYou don’t pay simply to have your situation reviewed.
We explain what we findIf there is something worth pursuing, we’ll walk you through it.
You stay in controlYou decide whether you want to continue after you understand your options.
The review, step by step
Here’s what happens next.
You share what you know. We investigate what can be verified. If there is something worth pursuing, we explain what we found before you decide whether to continue.
Want us to take a look?Start with a free, no-obligation consultation. Share the property address and whatever you remember. We’ll take it from there.Request a Free Consultation
- 01
Share the property
Start with the former property address and a way to reach you. If you have additional details, you can share those too.
- 02
We research the matter
We review available records and relevant information to see whether there appears to be a surplus worth pursuing.
- 03
We explain what we find
If we find something worth discussing, we’ll explain what we found, what still needs to be verified, and what the next step would look like.
- 04
You decide what happens next
You decide whether you want to continue. Any recovery-fee terms are explained clearly before you agree to move forward.
Why we started
It began with helping one homeowner.
While working in real estate, Carson learned that a homeowner was entitled to surplus funds but had no clear way to access them. He stepped in, learned the process, and helped recover the money.
That experience became the reason he founded C&J: to give people clear guidance through a process that can otherwise feel confusing.
More than 500 successful recovery casesA track record built around research, communication, and follow-through.
Managing Partner
Matt Kolesar
Matt brings a people-first approach backed by more than eight years of experience in marketing, advertising, and client relations.
Co-Founder
Joe Spinola
Joe brings a disciplined, detail-oriented approach shaped by his background in real estate and personal fitness.
C&J in the media
Recognition for work centered on families.
Independent profiles have highlighted C&J’s approach to communication, foreclosure-surplus recovery, and client support.
What it feels like to work with C&J.
Real client feedback, in their own words.
“Very helpful, any questions I needed answered I never had to wait—it was answered right away. Walked me through every step to ensure I got it right. Told me everything I needed to know. The best person I worked with was Matt, so very helpful. I would recommend C&J Surplus to anyone that is in need of help with paperwork and helping you get what you deserve.”
Testimonials reflect individual experiences. Eligibility, timing, and outcomes vary.
Before you reach out.
If you’re hesitant to contact us, these are the questions we want you to have answered first.
Will I have to pay anything just to find out?
No upfront recovery fee is charged to begin. C&J is paid only when funds are successfully recovered, subject to the client agreement.
Who is C&J—and are you a government agency?
No. C&J is a private surplus recovery firm and works with a licensed attorney when legal support is required.
What do I need to send you?
The former property address, your contact information, and any basic details you have are enough to start. Please do not submit Social Security numbers, banking information, or other highly sensitive information.
What if the property belonged to a family member?
Tell us that when you submit your inquiry. The relevant records and requirements can differ depending on the circumstances.
Am I committing to anything by reaching out?
No. The initial consultation is free and there is no obligation to move forward.
Request a free consultation
Tell us about the property.
You do not need to understand the process before contacting us. Share the property address and whatever you know. A C&J team member will review the information and contact you directly.
What happens after you submit01 We review the information.02 A C&J team member contacts you.03 You decide whether you want to continue.