Florida may be holding money in your name.
When a bank account goes dormant, a paycheck is never cashed, or an insurance payment is never collected, Florida law requires the company to turn those funds over to the state. The state holds them indefinitely. We help owners and heirs get them back.
Did you receive a call or a letter from us? Check us against the state's own records above before sending any documents to anyone.
You can file this claim yourself, for free.
Florida runs a public database at FLTreasureHunt.gov. Searching it and filing a claim costs nothing, and the state never charges a fee to return your property. People hire us when the account is under a former name or a closed business, when the owner has died and the claim has to come from the estate or the heirs, or when the documentation the state asks for has turned into a dead end. If your claim is simple, file it yourself and keep the whole amount.
The kinds of accounts the state holds
- Dormant checking and savings accounts
- Uncashed payroll and vendor checks
- Stocks, dividends, and mutual fund shares
- Life insurance proceeds and annuities
- Utility and rental security deposits
- Certificates of deposit
- Customer overpayments and refunds
- Trust distributions
- Mineral and royalty payments
- Contents of abandoned safe-deposit boxes
What this program does not cover. Florida's unclaimed property program holds financial accounts and the contents of safe-deposit boxes. It does not hold real estate, land, or vehicles. If someone tells you they can recover an abandoned house or lot through the state's unclaimed property division, that is a different area of law entirely.
Four steps, and no fee up front
We confirm the account is yours
We locate the reported account and check the ownership trail — former names, prior addresses, business filings, or the chain from a deceased owner to the heirs.
You sign the state's agreement
Florida requires a specific recovery agreement form adopted by the Department of Financial Services. It cannot be modified, and it states the fee in writing before you sign anything.
We assemble and notarize the documentation
Identification, proof of ownership, and — for estate claims — death certificates and the documents establishing who is entitled to the funds. We coordinate the notary at no cost to you.
The state reviews and pays
The claim is filed with the Division of Unclaimed Property. Review times vary by the state, not by us. When it is approved, the funds are released and you receive your share.
When the account belongs to someone who has passed away
This is where most claims stall. The state will not release funds until the person filing can show they are entitled to them.
Establishing entitlement
Death certificates, wills, and the documents showing the line from the owner to the heirs. Florida's rules are specific about what counts, and a will on its own is not enough.
Smaller estate accounts
Where the total the state holds for a deceased owner is $10,000 or less, Florida provides an alternative documentation path that avoids a heavier process.
Business and trust accounts
Claims for a dissolved company, a trust, or an estate have their own filing requirements and their own proof of authority to sign.
No recovery, no fee.
We are paid only if the state releases your funds. Our fee is contingent on recovery and is stated as a percentage in the written agreement adopted by the Florida Department of Financial Services, which you review and sign before we file anything. Florida law caps that fee, and the cap covers our costs as well as our fee.
If your claim requires a record you do not have — a certified death certificate, a marriage certificate, a translation — that record carries its own cost from the issuing office, whether you obtain it through us or on your own.
Denny Borges, P.A.
Florida limits who may file an unclaimed property claim on someone else's behalf for a contingent fee. It has to be a Florida-licensed attorney, a Florida CPA, or a licensed private investigator — and that person has to be registered with the Department of Financial Services first.
Denny Borges is a member in good standing of The Florida Bar and is registered with the Department as a claimant's representative. Every claim we submit is filed under that registration.
- Florida Bar
- No. 71837
- Role
- Registered claimant's
representative - Registered with
- Florida DFS,
Division of Unclaimed Property - Principal office
- Miami, Florida
What our engagement covers
Signing an unclaimed property recovery agreement with us covers one thing: identifying and recovering the specific account or accounts named in that agreement from the Florida Department of Financial Services. It is limited to that claim.
It does not create a general attorney-client relationship for other matters. It is not a retainer for probate administration, estate litigation, real property disputes, tax questions, or any other legal work. If your situation needs any of those, we will tell you, and that would be a separate engagement with its own written agreement.
Nothing on this website is legal advice, and reading it or contacting us does not create an attorney-client relationship.
Start with a phone call
Tell us the name on the account and what you know about it. If there is nothing to recover, we will tell you that on the call.
Prefer we call you? Request a time and an agent will confirm it with you.