You can claim it yourself, for free

Checklist: Rhode Island, money left over after a foreclosure sale

Who holds it: The foreclosing lender (mortgagee) that ran the power-of-sale auction

How long: Not researched yet — ask the clerk

How you claim: Under the statutory power of sale, the lender must pay any surplus to the borrower or heirs, along with a detailed account of the sale. Ask the lender or its foreclosure attorney in writing for the surplus and the accounting.

Your deadline: ____________ (confirm it with the clerk)

Steps

1. Identify the lender or attorney who ran the foreclosure auction (it appears in the published sale notice)
2. Ask in writing for the sale accounting and any surplus
3. Keep copies of all letters and replies

Documents

Not researched yet — ask the clerk

What it costs you

Not researched yet — ask the clerk

If someone offers to do it for you

• Fee limits: Not researched yet — ask the clerk.
• You never need to pay anyone to file.

Official links

• R.I. Gen. Laws § 34-11-22 (statutory power of sale; surplus to mortgagor): https://webserver.rilegislature.gov/Statutes/TITLE34/34-11/34-11-22.htm