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Tracers are professionals who make a living finding the owners of unclaimed property.They then contact the owners, and offer to help them locate their unclaimed property for a fee.Some states have unclaimed property dating to the late 1800s.(A few states have started setting time limits, but in most cases a tracer that talks about statute of limitations is trying to create a false sense of urgency.) If the owner of the property is deceased, the relatives can file for the unclaimed property.If you change your name or address, write to the address associated with each asset to notify them of the change.Likewise, if you regularly receive insurance benefits or dividends, and the checks stop coming, promptly notify the company of the problem.The fees range from 10% of the value of the property to as much as 60%.

You'll have to provide proof If money is in someone else's name, you will also have to supply proof that you're the beneficiary, such as a copy of the deceased's will.

Sometimes the owner knows about the asset, but is unaware that it has been decleared abandoned and turned over to the state.

For example, here are a few of the most common scenarios in which you could "misplace" your money and not even know about it: Perhaps you moved your money to a new bank, but forgot about an account or safe deposit box you left with the old bank.

If a tracer tells you there's money waiting for you, you can call the state yourself and get the money without having to pay anybody anything. If the tracer is unwilling to tell you which state has the unclaimed property, try calling or writing each of the states listed below.

Start first with the states in which you've lived, and the states in which your deceased relatives lived.

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