You got a letter from Dunbar. Maybe it was about a forgotten bank account. Maybe it referenced a deceased family member’s insurance policy. Maybe you don’t know exactly what it is yet.
Whatever the case, you’re probably wondering: **Is this real? What do I do with this? What happens if I respond?**
We’ll walk you through it — clearly and without pressure.
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## First: Is the Letter Real?
Yes. If you received a letter from Dunbar at your current address, it is legitimate.
Dunbar is a professional unclaimed property recovery firm based in King of Prussia, Pennsylvania. We research ownership of dormant financial assets — unclaimed bank accounts, uncashed checks, insurance proceeds, stock dividends, utility refunds, and more — and reach out when we believe we’ve located the rightful owner or heir.
We don’t send mass mailings to random addresses. Our outreach is research-based. If you received our letter, it means our team identified a specific asset that appears to belong to you or a family member.
If you want to independently confirm, you can:
– Search your name at your state treasury’s unclaimed property database for free
– Visit [missingmoney.com](https://www.missingmoney.com) to search multiple states at once
– Call Dunbar directly at the phone number listed on your letter or at [dunbargroup.com](https://dunbargroup.com)
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## What Does the Letter Say?
Most Dunbar outreach letters include:
– A description of the type of asset (or general category)
– The state where the property is held
– An introduction to how Dunbar can help you recover it
– Sometimes, a fee agreement for you to review and sign if you choose to move forward
You are under no obligation to respond. If you choose not to engage Dunbar, the property typically remains in state custody — and you can attempt to claim it directly through the state at any time (though that process varies in complexity by state and asset type).
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## How Does the Recovery Process Work?
If you decide to work with Dunbar, here’s what to expect:
### Step 1: Review and Sign the Agreement
Dunbar will send — or may have already included — a fee agreement. This document explains:
– What services we provide
– Our fee structure (a percentage of the recovered amount, paid only upon successful recovery)
– Your rights throughout the process
Take your time. Ask questions. There is no deadline pressure. If you have questions about the agreement before signing, contact us.
**Important:** You pay nothing upfront. Dunbar’s fee is contingent on successfully recovering your property.
### Step 2: We Gather Your Information
Once you’ve signed, your case moves to our Services team. We’ll work with you to collect the documentation required by the state or financial institution holding your property.
What’s needed depends on the situation:
– **Living owners:** Typically identity verification documents and proof of your current address.
– **Heirs of deceased owners:** May require a death certificate, proof of relationship, and in some cases letters testamentary or other estate documentation.
Our team will guide you through exactly what’s needed for your specific case. We’ve done this thousands of times — we know how to make the documentation process as smooth as possible.
### Step 3: We File the Claim
Once your documentation is complete, Dunbar submits your claim to the appropriate state treasury or financial institution. We track it, follow up as needed, and handle the back-and-forth so you don’t have to.
Timelines vary by state. Some claims resolve in weeks; others (particularly for estates or complex deceased cases) can take several months. We’ll keep you informed.
### Step 4: You Receive Your Property
When your claim is approved and your property is paid out, Dunbar collects our agreed fee. The remainder — typically the significant majority — goes to you.
That’s it. No hidden fees, no surprises.
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## What Does Dunbar Charge?
Dunbar’s fee is a percentage of the property recovered. For most cases:
– **Living owner cases (pre-escheat):** 10–20% of the recovered value
– **Deceased heir cases (post-escheat):** Approximately 20% of the recovered value
This is disclosed clearly in your agreement before you sign anything. You’ll know exactly what our fee will be before you decide to move forward.
You owe nothing if the claim is unsuccessful.
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## Do I Need Dunbar? Can I Claim It Myself?
You can always attempt to claim unclaimed property directly through the state. Most state treasuries have online claim portals and accept claims without the help of a recovery firm.
However, many people find the process surprisingly complex — particularly for:
– **Deceased estates** where legal documentation and proof of heir status is required
– **Multi-state assets** where property may be split across several states
– **Older or inactive accounts** where original records are difficult to trace
– **Financial institutions** that have their own verification and documentation requirements
Dunbar’s value is expertise, capacity, and speed. Our team has navigated state processes, documentation requirements, and claim portals across the country. We know which steps to take and in which order. For many claimants, especially those dealing with a deceased family member’s estate, that guidance is worth the fee.
If your claim is simple and straightforward, attempting to claim directly may be perfectly reasonable. We’ll never pressure you to use our services.
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## A Note on Protecting Yourself
When engaging with any unclaimed property recovery firm — including Dunbar — a few things to always verify:
✅ The firm has a verifiable physical address and website
✅ Their fee is contingent — you pay nothing upfront
✅ The agreement clearly states the fee percentage
✅ You can independently confirm the asset exists via your state treasury
✅ They do not pressure you with artificial urgency
If anything about your experience with Dunbar doesn’t feel right, contact us directly. We’d rather clarify than have you miss out on property that’s rightfully yours.
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## Ready to Get Started — or Just Have Questions?
You don’t have to decide anything today. If you’d like to understand more about your specific situation before signing anything, we’re happy to talk.
**Contact Dunbar:**
– Email: [info@dunbargroup.com](mailto:info@dunbargroup.com)
– Website: [dunbargroup.com](https://dunbargroup.com)
– Office: King of Prussia, Pennsylvania
Your property has been waiting. We can help you bring it home.
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*Dunbar is a professional unclaimed property recovery firm. We help individuals, families, and businesses across the United States recover dormant financial assets through our Owner Location Services and Reporting & Consulting practices.*
