Every year, billions of dollars in forgotten bank accounts, insurance proceeds, and investment assets go unclaimed — sometimes because the account was abandoned years ago, sometimes because the owner passed away and the family was never told. Highland Tower Group finds those assets and helps the rightful owners and heirs recover them. No upfront fees. Fee only if we recover.
When a bank account, insurance policy, or investment goes dormant, the state takes custody — and keeps it indefinitely. Families are never notified. We find those assets and help the rightful owners and heirs recover them.
We identify forgotten bank accounts, insurance proceeds, securities, and other financial assets held by state governments on behalf of their rightful owners.
Learn more →When a property owner has passed away, we locate and notify heirs who may be entitled to unclaimed assets, and assist with the documentation required to file a claim.
Learn more →Complex estates often have assets scattered across multiple states and institutions. We conduct comprehensive searches and coordinate the recovery of all identified property.
Get in touch →We do all the work — research, paperwork, filing, follow-up. If we don't recover your property, you owe us nothing. Not a dollar.
Through proprietary research and state databases, we locate unclaimed property that may belong to you or your family.
We confirm your relationship to the property owner and determine the documentation needed to support your claim.
Our team assembles all required documents, prepares the claim forms, and guides you through every step of the filing process.
Once the claim is approved, the funds are paid directly to you. Our fee is a small percentage of the recovery — agreed upon in advance.
Cold mail about money is smart to be skeptical of. Here's exactly what you should do before calling us.
The property is held by a state government. Search the state's official unclaimed property website for the name in your letter — you will see the property listed under the Property ID we gave you.
You can file your own claim directly with the state at no cost. You can also use our service — we handle the research, paperwork, and filing, and you keep 90% of the recovered amount.
We will never ask for bank account details, Social Security numbers, or payment before work begins. Our fee is stated in a written agreement and only collected after the state releases the funds to you.
Most people never learn they're owed anything. A quick call is free, there's no obligation, and we'll tell you honestly whether we can help.
Talk to UsState governments hold billions of dollars in unclaimed financial assets. We help rightful owners and their heirs navigate the process of recovering what's theirs.
Unclaimed property includes bank accounts, insurance proceeds, retirement funds, stock dividends, utility deposits, and other financial assets that have been turned over to state custody because the owner could not be located.
Every state requires financial institutions and companies to turn over dormant accounts after a specified period — typically three to five years. Once in state custody, these funds are held indefinitely until claimed by the rightful owner or their heirs.
Many people are unaware that they have unclaimed property, especially when it belonged to a deceased family member. That's where we come in.
Checking accounts, savings accounts, and certificates of deposit that became dormant and were turned over to the state.
Life insurance benefits, annuity payments, and uncashed insurance refund checks owed to policyholders or their beneficiaries.
Stocks, mutual funds, bonds, and uncashed dividend checks held by brokerage firms or transfer agents.
Forgotten 401(k) accounts, IRAs, and pension benefits from former employers.
Contents of safe deposit boxes that were turned over to the state after extended periods of inactivity.
Uncollected final paychecks, commissions, expense reimbursements, and vendor payments.
Every state allows owners and heirs to search for and claim unclaimed property at no cost, directly through the state's unclaimed property office. Our service provides value by identifying property you may not know about, locating heirs, and handling the documentation process — but you always have the right to file on your own.
We work on a contingency basis — you pay nothing upfront. Our fee is a percentage of the property recovered, which is disclosed in writing before you sign any agreement. If we don't recover anything, you owe nothing.
Most claims are processed within 60 to 120 days after filing, though some states and complex claims may take longer. We keep you informed at every stage.
Heirs of deceased property owners can file claims with proper documentation — typically a death certificate, proof of relationship, and identification. We specialize in helping heirs navigate this process.
Yes. You can search your state's unclaimed property database and file a claim at no cost. We encourage everyone to do so. Our value is in identifying assets you may not know about, tracing complex ownership chains, and handling the documentation required for heir claims.
Call or send us a message. We'll search public records on your behalf, tell you honestly what we find, and explain your options. No obligation, no cost to look.
Start a Free SearchYour parents, grandparents, or other family members may have left behind financial assets that no one knew about. These funds don't disappear — they're held by the state, waiting for the rightful heirs to come forward.
When a loved one passes away, there's a lot to handle — and financial details slip through the cracks. Bank accounts, insurance policies, and investments that the family didn't know about get turned over to the state. And the state doesn't come looking for you.
These assets can sit unclaimed for decades. A parent's forgotten savings account. A grandparent's life insurance policy. An old pension from a job held forty years ago. The money is there — but no one ever told the family.
That's what we do. Highland Tower Group researches death records, identifies surviving family members, and reaches out to let them know: you may be entitled to money you didn't know existed.
We identify unclaimed property where the listed owner is deceased, focusing on higher-value claims where heirs are likely unaware.
Through public records, vital records, and genealogical research, we identify the deceased owner's surviving heirs.
We contact identified heirs by mail to inform them of the unclaimed property and explain their options — including their right to claim directly at no cost.
For heirs who choose our assistance, we guide them through obtaining the required documents — death certificates, proof of heirship, and identification — and prepare the claim.
Yes — and we understand your caution. There are a lot of scams out there, so it's smart to be careful. Here's how you can verify: search your state's official unclaimed property website for the name mentioned in the letter. You'll find that the property exists. We found it through public records research and reached out because our records indicate you may be a rightful heir. You are under no obligation to use our services — you can file a claim on your own at no cost.
You absolutely can, and we encourage you to explore that option. However, heir claims often require documentation that can be difficult to obtain — death certificates, affidavits of heirship, probate records, and proof of relationship. Our service handles the research and paperwork so you don't have to navigate it alone.
Never. We work strictly on a contingency basis. You sign a written agreement that clearly states our fee as a percentage of the recovered amount. If the claim is unsuccessful, you owe nothing. We also never ask for bank account information, Social Security numbers, or credit card numbers.
Requirements vary by state, but typically include: a certified death certificate of the property owner, proof of your relationship (such as a birth certificate or marriage certificate), a government-issued photo ID, and in some cases an affidavit of heirship. We'll provide a specific checklist based on your situation.
We identified unclaimed property belonging to a deceased individual, then used publicly available records to research their family and locate surviving heirs. All of our research is conducted through lawful, publicly accessible sources.
Unclaimed property recovery is regulated by state law. Here's how we stay compliant and how you're protected.
Many states limit the fee a recovery firm can charge. We always operate within these limits and disclose the applicable fee cap for your state in our agreement.
We are required to inform you — and we do — that you can search for and claim unclaimed property on your own, for free, directly through the state.
We never proceed without a signed, written agreement that clearly states our fee, the estimated property value, and your expected net recovery. No surprises.
We're here to answer your questions. There is no obligation and no pressure — just straightforward information about property that may belong to your family.
Verify My LetterWe are a professional claims services firm specializing in the identification and recovery of unclaimed financial assets on behalf of rightful owners and their heirs.
Highland Tower Group was founded on a straightforward principle: billions of dollars in legitimate assets go unclaimed every year because the people entitled to them simply don't know the assets exist.
We solve that problem. Using advanced research methods and proprietary data systems, we identify unclaimed property, determine who is legally entitled to it, and help those individuals navigate the claims process.
Unlike mass-mail operators that blanket property owners with generic letters, we focus on complex cases — particularly deceased-owner claims where heirs need professional assistance with documentation, heirship verification, and multi-state filings.
Brian, Founder | brian@highlandtowergroup.com | (973) 307-0342
We combine modern data analysis and entity resolution technology with experienced claims professionals to deliver efficient, accurate results.
We use advanced record-matching technology to cross-reference millions of property records with vital records, public filings, and other data sources to identify legitimate recovery opportunities.
Every state has different rules governing fee caps, waiting periods, required disclosures, and documentation. Our systems are configured for state-specific compliance from day one.
Behind the technology is a team of claims professionals who guide each client through the process, answer questions, and ensure no detail is overlooked.
Most unclaimed property firms send mass letters to living owners. We specialize in the cases others overlook — deceased-owner claims where heirs need real help.
Heir claims are the most complex and documentation-intensive type of unclaimed property recovery. We've built our entire process around solving this problem — from genealogical research to probate court filings.
We don't send thousands of generic letters hoping for responses. We research each case individually and only reach out when we've confirmed a genuine recovery opportunity.
We tell you exactly what the property is worth, what our fee will be, and what you'll receive — in writing, before you commit to anything. And we always disclose your right to claim directly at no cost.
We're happy to discuss our process, our credentials, or any aspect of your potential claim.
Get in TouchWhether you received a letter from us, have questions about unclaimed property, or want to learn more about our services — we're here to help.
Whether you received a letter from us or just want to know if you have unclaimed property, we're happy to help. If you have a letter, please have it handy — the reference number helps us pull up your file immediately.
(973) 307-0342
Monday – Friday, 9:00 AM – 5:00 PM ET (8:00 AM – 4:00 PM CT)
brian@highlandtowergroup.com
Highland Tower Group LLC
Chatham, NJ 07928