Frequently Asked Questions

The Claim Collective is a BBB-accredited business that helps recover unclaimed money from foreclosure sales, tax auctions, and bankruptcy cases. If public records show you may be owed funds, we manage the entire recovery process — from paperwork to filings to follow-up — with no upfront fees.

We operate as a DBA of My Zen Bookkeeper, LLC, working only with verified public records. Our payment is an agreed-upon percentage, and only if we successfully recover your money.

We review verified public records — including court filings, county surplus reports, and bankruptcy trustee listings — to find people who may be owed money. If you received a letter, text, or call from us, it’s because our research indicates there may be funds available in your name.

This is 100% real and legal. The funds we help recover are held by courts, counties, or bankruptcy trustees after legal proceedings. These funds are documented in public records that anyone can search. You’re always welcome to contact us with questions or request documentation to verify our legitimacy.

We specialize in recovering:

• Foreclosure surplus funds
• Tax sale overages
• Bankruptcy surplus distributions
   

If you’re a former owner, heir, or other legal claimant, we may be able to help you recover funds that rightfully belong to you.

There’s no upfront cost. Our fee is an agreed-upon percentage of the funds we recover — never paid out of pocket. If we don’t recover anything for you, you owe us nothing.

To move forward, we typically need:

• A signed authorization allowing us to prepare and submit required paperwork
• A valid government-issued photo ID
• Any items the court, trustee, or agency requests (we’ll tell you exactly what’s needed)

No stress: we keep the process simple and guide you step by step.

Timeframes vary based on the agency or court:

• Foreclosure/tax sale claims: typically 6–12 weeks
• Bankruptcy claims: about 4 weeks to several months
   

We’ll keep you informed and updated at every stage of the process.

Yes — you can file a claim directly with the court, trustee, or county. But the process can be confusing, time-consuming, and full of red tape. Many people work with us to avoid costly mistakes or delays, and to have experienced guidance from start to finish.

Absolutely. We protect your personal information through secure data handling and never sell or share it. Your details are used only to process your claim and keep you informed throughout the process.

Once we have your signed agreement and required documents, we start right away. We’ll prepare and submit your claim, work directly with the court or agency, and follow up until your case is resolved.

Just fill out our secure online form or call/text us at (210) 263-3696. There’s no obligation—if you’re not eligible, we’ll let you know and close your file with no pressure.