Est. 2026 · Arizona
Recovery of funds owed. Quietly at work in the public record.
Billions of dollars sit with counties, courts, and states, waiting for owners who were never properly told. A house sells at foreclosure for more than the debt — the overage belongs to the former owner. A bankruptcy pays a creditor and the check is never cashed — the money waits in the court registry. After enough years of silence, the government simply keeps it.
Reciprocity+b reads the public record, matches the money to its owner, and does the legwork of recovery. You pay nothing up front, ever. Our fee is a pre-agreed share of what you actually recover — 10% on Arizona county surplus work — and if nothing comes back, neither does a bill. You can always claim these funds yourself, free, and we'll show you how.
The same five steps, every time.
This is our code of conduct and best practices for initiating contact.
On every call, confirm who you're talking to first — many numbers come from skip-tracing and are a guess. Wrong person? Apologize, hang up, and say nothing about money, amounts, or case details.
Their home sold at a trustee (foreclosure) sale for more than the debt owed. Under Arizona law (A.R.S. 33-812) the overage belongs to the former owner; the county holds it about two years, then it escheats to the state. Most owners were never effectively told — and the recent ones are being hammered by collectors and scammers right now, so they will assume you're one. The job is to be the opposite: calm, specific, zero pressure.
The call brief
"This isn't a bill and I'm not selling anything — it's the opposite. When the place on [street] sold, it sold for more than what was owed. Arizona law says that extra — about $[amount] — belongs to you. It's sitting with the [County] County Treasurer under case [number]. It's public record — look it up yourself, I'll wait."
A parcel — usually vacant land — sold for more than was owed, and the owner lives elsewhere, or is a company that forgot the lot exists. These people are not upset; they probably forgot they owned it. Be quick and business-like. The address on file is often the empty parcel itself, so these start with a skip-trace or an officer lookup (the Arizona Corporation Commission lists officers and statutory agents free).
The call brief
"I'm calling about a piece of property in [County] County — parcel [number]. When it sold, it brought in more than what was owed. That extra — about $[amount] — is sitting with the county, waiting to be claimed. It's public record; you can check it in two minutes."
The lead says "estate," "deceased," or "heirs needed" — or you learn it on the call. The money belongs to the estate now, which means it goes through whoever is handling the deceased's affairs, sometimes through probate. This is the slowest, gentlest call there is; you may be talking to someone who is still grieving.
The call brief
Two owners: both signatures are required — and a lot of foreclosures come with a divorce. Ask early and neutrally: "The county has two names on this one — are you both still in touch?" Together: easy, both sign. Split: don't react, don't take sides — "that's common, it just means you'd each sign." One deceased: switch to the estate brief. Never discuss one owner's business with the other beyond what's already public.
Held in a trust: the person to reach is the trustee (for a living trust, usually the same person). "The county has this under the [Name] Trust — are you the trustee?" If they've died or stepped down, ask for the successor trustee. They'll need to show the trust document to the county — say so plainly so it's not a surprise.
Aged out to the state: money that sat unclaimed long enough moved from the county to the Arizona Department of Revenue. "Same money, still yours, just a different desk." Point them at missingmoney.com to see it themselves. A finder agreement signed in the wrong window can be unenforceable — on these, we inform freely and paper nothing until the legal review clears it.
Live business (finder route): a bankruptcy paid this creditor, but the check was never cashed — the money sits in the federal court registry and the still-operating company has no idea. Here the order flips: the agreement comes before the specifics.
The call brief — disclosure-first
"I research unclaimed funds owed to businesses. My records show yours may be entitled to money it hasn't collected. I'll send a one-page agreement — you pay a percentage only if you actually recover, nothing otherwise. Once it's signed I'll show you exactly what it is and how to claim it."
Fee runs 25–35%, within each district's rules. They file the one-page claim themselves; we coordinate and are paid only on recovery.
Defunct business (assignee route): the company is gone; its unclaimed money isn't. The former owner — traceable and still living — assigns the claim by notarized agreement, and we file for it in our own name. Every row gets a Secretary-of-State check first: if the company turns out to be alive, it moves to the finder column instead.
Voicemail — under 20 seconds, and never leave the dollar amount (anyone can hear it, and it sounds like bait): "I'm calling about the property sale in [County] County — there's money from it the county still has for you. Not a bill, nothing owed. It's public record, so you can verify before you call back." Two voicemails maximum, days apart.
A spouse, adult child, or caregiver answers — "Is [Name] available? No rush — is there a better time?" If pressed: "a property matter in [County] County — good news, but I should go over it with them directly." Don't disclose the amount. If the owner can't manage their own affairs, ask who holds power of attorney.
| They say… | You say… |
|---|---|
| "Is this a scam?" | "Fair question. Don't trust me — look it up yourself on the county website, free. I'll wait." |
| "How'd you get my number?" | "Public records. The sale and the leftover money are both public. That's all I used." |
| "What's the catch?" | "No catch. I only get paid if you do — 10% at the end. If you get nothing, I get nothing." |
| "When do I get it?" | "Usually one to three months once the paperwork's in. I can't promise a date — nobody honest can." |
| "I need to think about it." | "Totally fine — that's smart. Let me email you everything so you can verify it and take your time." |
| "I already have someone on it." | "Good — then you're all set. If it falls through, my offer stands. Take care." |
| "Stop calling me." | "Understood — sorry to bother you." Hang up. Never call back. |
The golden line, when in doubt:
"You can do this yourself, for free, and I'll show you how. I only get paid if you do. Want me to email you everything so you can check it's real first?"
The three safe exits: their email (best outcome short of yes — then actually send it) · "no problem, take care" · "understood, sorry to bother you," and that number is never dialed again.
Type a name; we answer yes or no. Nothing more, and nothing to sign.
A yes means the name is on a list of funds we believe are owed. Write to [email protected] — we verify it's really you before discussing any details.
The top five prospects in every category, ranked by payability. Mark one done and the next moves up.
Why sign in: the names below belong to people who are owed money, so we don't show them to anonymous visitors. Tell us who you are — no payment, ever — and the ledger opens. Checking your own name needs no sign-in.
The overage after a trustee sale, held by the county inside the live claim window.
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Vacant-land overages whose owners live elsewhere or are companies that forgot the lot exists.
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Uncashed distributions sitting in the court registry; the operating business has no idea.
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The company is gone; its money isn't. The former owner assigns the claim and we file directly.
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