Questions, answered

Lost funds, often called “missing money,” are money or assets that a business, bank, insurer, or other institution owed to someone but couldn’t deliver. When the holder can’t reach the owner, the law requires it to turn the funds over to the state.

When a company can’t return funds to their owner, state and federal law require it to send them to the state where the owner lives or last lived. The state then tries to reach the owner by mail, but addresses on old accounts are often out of date, so many letters never arrive.

Common examples include dormant bank accounts, uncashed checks and paychecks, life insurance policies, stocks and dividends, utility deposits, refunds, and funds left in estates.

Most are held by state treasuries and revenue departments. Others are held by federal agencies, courts, insurers, and companies.

Our investigators use public records, public data searches, and online sources to find account owners, heirs, and beneficiaries, and sometimes their family members or associates. We always make contact with respect and care for the people we reach out to.

Call our main office at (877) 801-1168 or email info@lifetimefinancialus.com and ask for the person who contacted you. You can also read about us on Google and the Better Business Bureau, where we are an Accredited Business with an A+ rating. Lifetime Financial LLC is in good standing with the Colorado Secretary of State and is registered and licensed in 10 states. We’re happy to answer questions before you decide anything.

No. Our clients don’t pay anything upfront. We are compensated only after a successful recovery, under the terms of the agreement you review and sign before we begin.

We handle the heavy lifting, but you play an important part. You’ll review and sign the agreement and claim documents, meet the notary we send, and provide the supporting documents your claim requires. We’ll tell you exactly what’s needed at each step.

No. In a way we’re the opposite. A call from us means we’ve found money or assets that you are entitled to claim. We locate those assets, contact the people who have the right to claim them, and help them through the claims process.

We organize, notarize, and prepare all the documents the holder requires, submit the claim, and communicate directly with the officials who manage and release the funds, so your accounts are recovered in full and as quickly as possible.

No. We send a notary public from our nationwide network to meet you and complete the paperwork where it’s convenient for you.

If we’ve already contacted you, the first step is to review and sign our agreement, which sets out the terms in plain language and allows us to act on your behalf. After we receive the paperwork, a claims professional will be in touch about next steps. If we haven’t contacted you, send us a message and we’ll follow up.

It depends on the type of claim, the state holding the property, and the complexity of the case. Claims usually take at least three to four months, and can take eight months or more for more complex cases. The state decides when to release the funds, but we work to keep every claim moving.

Yes. We check in with you throughout the process to share progress, and you’re welcome to call or email us at any time.

Often, yes. Heirs and beneficiaries can claim forgotten funds that belonged to someone who has died. The holder will usually ask for proof of your relationship and your right to the funds, such as a death certificate and estate documents. We help you gather and prepare what’s needed.

Not always. It depends on the state, the size of the estate, the type of asset, and the family situation, and the rules differ from state to state. We review each estate and coordinate whatever the holder requires for that claim.

Yes. We help businesses of all sizes, government agencies, and nonprofit organizations recover refunds, payments, settlements, and other assets that belong to them.