Individual skill

unclaimed-money-tracer

Track down money that's yours but forgotten — dormant accounts, old deposits, uncashed checks, lost pensions, insurance payouts, and unclaimed-property funds. Use when asked to find unclaimed money, is there money owed to me, find a lost account/pension, or search unclaimed property. Produces a checklist of where forgotten money hides, how to search the official (free) registries for each type, what proof you'll need to claim it, and a strong warning to only use official free searches and never pay a 'finder' up front. Not financial advice.

skills/unclaimed-money-tracer/SKILL.md

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# Unclaimed-Money Tracer

Enormous sums sit unclaimed — old bank accounts, security deposits, final paychecks, insurance benefits, dividends, and pensions people lost track of after moving or a death in the family. Governments hold much of it as "unclaimed property," free to reclaim. This maps where your forgotten money might be, how to search the official registries, and how to claim it — while keeping you away from the "finder" scams that circle this space.

## What This Skill Produces

- **A where-it-hides checklist** — the common sources (dormant bank/brokerage accounts, uncashed checks, deposits, insurance payouts, pensions, dividends, tax refunds, utility deposits)
- **Official search routes** — the free government/regulator unclaimed-property registries and pension-tracing services for your region, by money type
- **The claim process** — the proof of identity/entitlement each type typically requires
- **A deceased-relative path** — how to search and claim on behalf of an estate (with the extra proof needed)
- **A hard scam warning** — use only official free searches; legitimate unclaimed-property claims don't require paying a "finder" up front

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