How to Find Money Owed to You

Do you have money owed to you from an old apartment that you rented years ago or a phone deposit that was never refunded, but did not know where to look to get your overdue funds? Now there are many resources available to help you in your search. All you need is a few pieces of simple information and you will be steps closer to finding money owed to you.

Instructions

1. Check with the Department of Housing and Urban Development (HUD). If you have ever had a FHA loan, you may be eligible for either a mortgage insurance premium refund or a share of the Mutual Mortgage Insurance Fund. Contact HUD at [phone] to see if you are eligible or research this information on the HUD website. Ensure that you either have your last name used to obtain the FHA loan or your nine-digit case number available when researching your refund.

2. Visit Unclaimed.org. Operated by the National Association for Unclaimed Property Administrators, this website is a free database of states that operate unclaimed property programs. Locate money that is owed to you just by choosing your state of residence, entering your first and last name, then waiting for the results of your search.

3. Check with the Internal Revenue Service (IRS). Locate past and present tax refunds using the IRS's Where's My Refund? service. Enter your social security number, filing status and refund amount to retrieve the delivery date of your tax refund.

4. Follow up on expired savings bonds. According to Treasury Direct, "billions of dollars in savings bonds have stopped earning interest, but haven't been cashed." Use the Treasury Hunt website, to find out if you have savings bonds that have matured and can be cashed.

5. Search for old pensions. Visit pbgc.gov to search the Pension Benefit Guaranty Corporation's "Pension Search Directory" to find out if your old employer owes you funds from a closed or transferred pension. Search for your pension by last name, company name or state.

6. Visit MissingMoney.com. Use this database to search for utility deposit refunds, uncashed paychecks, unclaimed insurance policies and other money that may be owed to you. Enter your first and last name along with your state of residence to see if you have outstanding funds awaiting.

References

• MSNBC for Unclaimed Money Information
• USA Government for Unclaimed Funds Resources
• Treasury Direct for Savings Bond Search

Resources

• Read this Article in Spanish
• Department of Housing and Urban Development for Refund Database
• Internal Revenue Service for Where's My Refund