Service detail
Unclaimed Property Recovery
Banks, employers, and insurers turn over accounts they can't return to their owners. Those assets sit with state treasurers until someone claims them.
Check for fundsWhat this is
When a holder of money — a bank, an employer, an insurer, a utility — cannot reach the owner for a set period, state law requires it to hand the property over to the state rather than keep it. This is called escheatment.
The state does not take ownership. It holds the asset indefinitely under the owner's name and publishes it in a searchable database, waiting for the owner or an heir to claim it.
Because the databases are public and free, this is the one category where most people genuinely do not need help. The claims that get stuck are the ones that cross state lines, sit under a maiden or misspelled name, belong to a deceased owner, or were denied for a documentation problem.
What could be waiting
Bank accounts & CDs
Balances left when an account goes dormant and mail stops reaching the owner.
Uncashed checks
Final paychecks, refunds, and vendor payments that were issued but never deposited.
Insurance proceeds
Life and annuity payouts where the beneficiary could not be located.
Security deposits
Utility and rental deposits returned to an address the owner had already left.
Retirement accounts
Old 401(k) and pension balances from employers that have since moved or closed.
Stocks & dividends
Shares and dividend checks held by a transfer agent under an outdated address.
Search this yourself first.
Every state runs a free unclaimed property database, and so does NAUPA at missingmoney.com. If your claim is a single account in a single state, you very likely do not need us — search it, file it, keep all of it.
Where we help: claims across several states, claims in a former name, claims tied to a deceased owner, and claims a state has already rejected once.
Search your state's free database →
- KY — Kentucky State Treasury, Unclaimed Property Division
- TN — Tennessee Department of Treasury, Unclaimed Property
- OH — Ohio Department of Commerce, Division of Unclaimed Funds
- IN — Indiana Attorney General, Unclaimed Property Division
- IL — Illinois State Treasurer, I-CASH
- MN — Minnesota Department of Commerce, Unclaimed Property
- WI — Wisconsin Department of Revenue, Unclaimed Property
- MO — Missouri State Treasurer, Unclaimed Property
- VA — Virginia Department of the Treasury, Unclaimed Property
- WV — West Virginia State Treasurer, Unclaimed Property
- FL — Florida Department of Financial Services, Unclaimed Property
- NY — New York State Comptroller, Office of Unclaimed Funds
Typical recoveries
$500 — $40,000
Most state-held items are small — a final paycheck, a utility deposit, a closed account balance. The larger figures come from insurance proceeds, brokerage holdings, and retirement accounts reported under an owner who could not be located.
Range, not a promise. Individual results depend on the record in your case.
Our process
01
We search the records
We pull the sale record, the docket, and the surplus ledger for the county. It costs nothing and obligates you to nothing.
02
We confirm you're the rightful claimant
Deed, title history, identification, and where the owner has died, the estate record naming every heir with an interest.
03
We prepare and file the claim
We file the state's claim form with the treasurer or comptroller holding the property, with identity, address history, and name-change or estate documentation attached, and answer the state's evidence requests.
04
The county or court pays you
Payment is issued on the disbursement order. Our 30% fee is deducted at that point and never before. No recovery, no fee.
*Our fees include the legal support given by our law partners who represent our clients to claim their surplus.
Want us to check the record for you?
A records search costs nothing and puts you under no obligation.
Start a records search