In the aftermath of foreclosure and tax-related property sales, billions of dollars in surplus funds remain unclaimed across the United States. The money is legally owed to former property owners, yet many may not realize it exists. The process to recover it is often complex, fragmented, and difficult to navigate without specialized knowledge.
Full Circle Asset Recovery was built to address that gap.
Co-founded by longtime business partners Matthew Joffre and Carl O’Neal, the firm operates at the intersection of legal compliance, financial recovery, and operational automation. Its mission is straightforward: help families recover money that is rightfully theirs while demonstrating that surplus funds recovery can be conducted ethically, transparently, and at scale.
A Personal Mission Rooted in Experience
For Joffre and O’Neal, the work is personal. Both founders experienced foreclosure during their teenage years, watching their families lose homes and the equity inside them. That memory shaped a company designed to help other families avoid a similar outcome when possible.
“We know what it feels like to be on the other side of this,” said Joffre. “This isn’t just a business for us. It’s about restoring wealth that was taken from people who didn’t know they had options.”
The two bring over 15 years of business partnership to Full Circle, combining operational discipline with a mission-first culture.
Addressing a System Most People Never See
Surplus funds recovery remains one of the least understood areas of the financial system. When a property is sold through foreclosure or a tax sale, any excess proceeds beyond what is owed are intended to be returned to the former owner or their heirs. In practice, those funds often go unclaimed due to a lack of awareness, administrative complexity, or misinformation.
A landmark 2023 Supreme Court ruling in Tyler v. Hennepin County changed the landscape. The Court unanimously ruled that local governments could no longer retain surplus equity from tax sales—a practice previously allowed in 12-14 states. This decision created a new legal pathway for homeowners to recover what was rightfully theirs.
Full Circle Asset Recovery focuses exclusively on this process. Rather than pursuing volume through aggressive outreach, the company was designed with a compliance-first operating model. Each case is structured through attorney partnerships and aligned with state-specific regulations governing surplus recovery.
Scaling Operations Through Intelligent Automation
A central part of Full Circle’s strategy is its internal technology infrastructure. The company has developed a proprietary AI-powered platform that supports the surplus recovery workflow—from initial case identification through documentation, legal coordination, and client communication.
The system leverages a network of specialized AI agents, each designed for specific functions: locating heirs, validating claims, monitoring court filings across jurisdictions, and ensuring regulatory compliance at every step. This infrastructure allows the firm to manage high case volumes while maintaining consistency, accuracy, and the human oversight required in a regulated space.
“Most firms in this industry are still working off spreadsheets and manual processes,” said O’Neal. “We built technology that lets us scale nationally without sacrificing the compliance and client care that define who we are.”
The platform is not a consumer-facing product. It functions as operational infrastructure designed to support internal controls and documentation. By combining automation with legal review, Full Circle has expanded into multiple states while maintaining a controlled, auditable operating environment.
Outcomes That Extend Beyond the Numbers
While process and infrastructure matter, the company’s impact is measured by outcomes. Full Circle Asset Recovery is BBB-accredited and has helped families recover funds that would otherwise have remained unclaimed. In many cases, clients were unaware that surplus funds existed or believed recovery was out of reach.
The firm operates on a contingency-based model, meaning clients do not pay upfront fees. Compensation is earned only when a recovery is successfully completed. This structure reduces financial risk for claimants and aligns incentives throughout the recovery process.
For the founders, each case represents more than a transaction. It reflects an effort to restore clarity and fairness within a system that often leaves individuals without guidance.
Raising the Standard in a Fragmented Industry
Beyond individual recoveries, Full Circle is focused on long-term industry development. The company continues to invest in operational systems, legal partnerships, and education. Through its broader media and training initiatives, it shares information about surplus funds recovery with professionals and operators entering the space.
This openness reflects a belief that legitimacy in the industry depends on transparency and consistent standards—not exclusivity. Joffre and O’Neal view surplus recovery as a professional service that benefits from regulation, clear processes, and ethical execution. Their goal is to contribute to an environment where consumers are protected and recovery firms are held to measurable standards.
A Business Built for Longevity
Full Circle Asset Recovery is not positioning itself as a fast-growth outlier. Instead, the firm is focused on building durable infrastructure in an overlooked corner of the financial system. By prioritizing compliance, operational discipline, and measured expansion, the company is working to redefine how surplus funds recovery is practiced.
The founders believe long-term trust is built through consistency rather than scale alone.
For those who have experienced foreclosure or tax sales, surplus funds may be waiting. Full Circle offers free eligibility checks with no upfront cost. To learn more, visit www.fullcircleassetrecovery.com or call +1 307 323 4303.
Media Contact
Name: Matthew Joffre
Company: Full Circle Asset Recovery
Website: www.fullcircleassetrecovery.com
Phone: +1 307 323 4303
Location: Brockton, Massachusetts
Disclaimer: The information provided in this article is for general informational purposes only and should not be construed as legal, financial, or professional advice. Full Circle Asset Recovery does not guarantee the recovery of surplus funds, and each case may vary based on individual circumstances. Prospective clients should seek professional advice tailored to their specific situation.
