Missouri's Largest Lost And Found
One in every 10 Missourians has unclaimed money and property the state is waiting to give back, but most people don't even know it.   Read More...
Frequently Asked Questions

Who is NCAAR?

The National Center for Abandoned Assets Recovery ("NCAAR") is a full-service professional audit, research, and recovery firm headquartered in Irvine, California specializing in the research, discovery, and recovery of abandoned, unclaimed, and/or lost assets belonging to private individual owners, rightful heirs or beneficiaries, and companies of all sizes.

We are licensed by the city of Irvine, organized and incorporated in the State of California, and operate only within the boundaries of the US.  We are subjected to all laws and regulations at the local, state, and federal levels of the United States of America.

 

What does NCAAR do?


When you engage NCAAR in the claim and recovery process of your unclaimed property or abandoned assets, we administer the entire process from start to finish, including the initial research and identification of assets and corresponding rightful owners, all applicable due diligence, interfacing with various governmental agencies on your behalf, and the fulfillment of all governmental requirements to ensure the expeditious return of your assets.
 

I've been contacted by NCAAR, what does this mean?

It could only mean one thing: that you, if you are the rightful owner of unclaimed assets, will very likely be reunited with those long lost assets.  During the course of our research, we have identified and located you as the rightful owner of the unclaimed property or abandoned assets.  Because we are in the business of audit, research, and recovery of unclaimed funds, we have access to proprietary databases and  industry-specific tools not generally available to the public.  We have located your unclaimed property or abandoned assets when other companies or government agencies have not, and we await your partnership to process the claim.

Please be aware of a legal process called escheatment, in which certain types of unclaimed property or abandoned assets will be transferred to government ownership if not claimed within a specified time.  Once ownership has transferred into government hands, no one will have a legal claim to it.
 

How do I know if this is legitimate?

We are licensed by the city of Irvine, organized and incorporated in the State of California, and operate only within the boundaries of the US.  We are subjected to all laws and regulations at the local, state, and federal levels of the United States of America.

You will get copies of all documents, including our retainer agreement, source(s) and amounts of the unclaimed property or abandoned assets, and any other documents pertaining to your claim(s).  The process will be as transparent and uncomplicated as possible because our goal is always aligned with yours: to enable the restoration and reunification of your long lost assets to the rightful owner, you.
 

Does NCAAR sell unclaimed property or abandoned assets Lists or Products?


We do not sell any type of products.  We are a professional full-service audit, research, and recovery firm specializing in unclaimed property or abandoned assets.  We will never ask you for any type of advance fee or out-of-pocket expenses as we work only on a contingency basis, in which we would only get paid a percentage of the recovered assets.  If there's no recovery, then there will never be any fees, even for our services already rendered. 
 

What are the fees or costs to take advantage NCAAR's unclaimed funds recovery services?

We will never charge you any upfront or out-of-pocket fees for our audit, research, and recovery services.  We work only on a contingency basis, in which we will only be paid a percentage of the recovered unclaimed property or abandoned assets.  If we cannot recover the unclaimed property or abandoned assets for any reason, regardless of the cause, you will NEVER be liable for any costs.  Remember, no recovery = no fee.
 

Why does NCAAR only work on a contingency basis?

We work only on contingency basis primary for your benefit and protection:

  • The contingency fee model virtually eliminates most of the risks for you, including risks of advance-fee scams, excessive fees, post-engagement apathy, and others that could cause you more money or a delay in recovery instead of the expeditious return of your assets.
  • We work on a contingency basis, using our own resources to audit, research, locate, and ultimately recover the unclaimed property or abandoned assets, and understand that we will not be paid at all, not even a penny, if the funds are not recoverable for any reason, because we are extremely confident in our methodologies.
  • Because we will only get paid if your unclaimed property or abandoned assets are recovered, you can rest assured that we will work very diligently and efficiently to recover your assets because we have a vested interest in your success.
Like many professionals, such as attorneys, who only work on a contingency basis, we will not foolishly risk time, money, and effort into a losing proposition.  If we have contacted you, we have performed all necessary and applicable due diligence and therefore are very certain of the chances of the recovery of your unclaimed property or abandoned assets. We will never request any types of out-of-pocket fees or expenses from you for any reason.  Remember, no recovery = no fee.
 

What are unclaimed property or abandoned assets?


Unclaimed property or assets, also known as abandoned property or assets, refers to assets whose owners are unknown or not locatable.   Some types of unclaimed property include forgotten savings or checking accounts, stocks, uncashed dividends or payroll checks, refunds, traveler's checks, trust distributions, unredeemed money orders, gift certificates, rebates, insurance payments or refunds, life insurance policies, annuities, certificates of deposit, customer overpayments, utility security deposits, mineral royalty payments, or contents of safe deposit boxes.  After a specified amount of time has lapsed, the assets are required by law to be turned over to a designated government agency.  Unclaimed property or abandoned assets programs are one of the original consumer protection programs.
 

Why do unclaimed property or abandoned assets end up in government hands?

If the rightful owners of unclaimed property or abandoned assets cannot be located by the private companies holding those assets, the companies must turn those accounts over to the government agencies responsible for the administration of unclaimed property according to enacted legislation.  The government agencies will then assume the responsibility of those funds and ensure they are returned to the rightful owners.
 

What is the value of unclaimed property or abandoned assets held by the US government?

Every State within the United States has unclaimed property or abandoned assets belonging to its citizens.  The State Treasurer and various government agencies currently hold nearly $33 Billion US in unclaimed property or abandoned assets.  The earned interest, pending the location of the rightful owners,  of the unclaimed property or abandoned assets are used for the benefit of the citizens of each State.
 

What is the statute of limitations for unclaimed property or abandoned assets?

The statute of limitations for unclaimed property or abandoned assets varies according to the legislation or statutes enacted by each individual State and/or the specific type of unclaimed property or abandoned asset.  Some States will hold the unclaimed property or abandoned assets in perpetuity until the assets are reunited with their rightful owners or heirs, while other States will appropriate the unclaimed funds or abandoned assets via a legal process known as escheatment.  If the statute of limitation exists for unclaimed funds or abandoned assets, the property or assets will be converted into government ownership if not claimed by the rightful owner within a specified time.

 

What is escheatment?

Escheatment is a common law doctrine that allows the government (Federal, State, or Local) to take ownership of unclaimed property or abandoned assets if the rightful owner cannot be found or if the statute of limitations has expired.  Because of the escheatment incentive, the unclaimed property or abandoned assets custodians will often do the minimum required by law to locate the rightful owners.  Once the statute of limitations has expired, the government agencies can then appropriate the assets via the escheatment process.  Many times, the unclaimed funds account for a significant portion of the agencies' annual budget, so the governement agencies will not go above and beyond their required duties to return money that they can and will legally own ("escheated") in the very near future.
 

Can I recover the unclaimed property or abandoned assets myself?

Certainly.  While the claim processes can be complex and the requirements of the individual unclaimed property or abandoned assets custodians are often specific and unique, you can definitely attempt to claim and seek the return of the assets.  Please visit our State Resources and/or Links pages to gain access to the publicly available government databases to begin your search and claim process.

In the event that you are uncomfortable dealing with the various government agencies or unclaimed assets custodians,  or if you can't locate the source of the unclaimed property or abandoned assets yourself, you can certainly engage NCAAR to manage the entire the research and claim process for you.

We have access to industry-specific tools and proprietary databases not generally available to the public.  Additionally, we work only on a contingency basis, in which we do not receive compensation if we can't recover the unclaimed property or abandoned assets for you. There is never any out-of-pocket expenses or fees for our services, so you can be assured that engaging NCAAR to recover your lost assets is a risk-free proposition.

 

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