Owed | Terms of Service

Effective 28 August 2026. These terms are between you and [LEGAL ENTITY NAME], trading as Owed. By using this site you agree to them.

Before launch: written to match how the service actually operates, but not reviewed by a lawyer. The bracketed items need real values, and the fee and governing-law sections in particular should be read by counsel against the states you intend to operate in.

1. What Owed does

When a property is sold at a foreclosure auction or a tax sale for more than was owed on it, the difference is usually held by the county or the state and belongs to the former owner or their heirs. Owed searches public records, tells you what we find, and if you engage us, we prepare and file the claim and deal with the agency until it is resolved.

Owed is not a law firm. We do not provide legal advice or legal representation, and using this site does not create an attorney-client relationship. Owed is not a government agency and is not affiliated with, endorsed by, or acting for any county, court or state. Where a claim needs a lawyer, we will say so and can refer you to one.

2. The free check is a search, not an opinion

Checking is free and puts you under no obligation. A match in public records means a record exists under a name like yours. It does not guarantee that money is owed to you, that you are entitled to claim it, or that it is still available. Records are incomplete and change constantly, so a result of "no match" is not proof that nothing is owed either.

3. Fees

Nothing upfront, ever. We do not ask for money to search, to open a claim, or at any point before funds are recovered.
You pay only if you get paid. Our fee is a percentage of what is actually recovered and released to you.
The percentage varies by state and is capped by state law. Several states set a maximum a recovery service may charge, and some prohibit an agreement entirely for a period after funds are transferred to the state. Where a cap applies, the cap governs.
The exact fee, and everything else specific to your claim, is set out in a separate written agreement that you sign before we act. If these terms and that agreement disagree, the signed agreement wins.

4. What we need from you

Accurate information. We search on what you give us, and a wrong name or county produces a wrong answer.
That you are the person entitled to claim, or are authorised to act for them. If you are claiming for an estate or an entity, we may need documents proving that.
That you are 18 or older.
Reasonable cooperation, including signing documents and, where an agency requires it, appearing before a notary.

5. Deadlines

Claim windows are set by state law and they close. Some are measured in months from a notice you may never have received. We will tell you what we understand the deadline to be, but we cannot be responsible for a deadline that passes before you engage us, or for one an agency applies differently than expected.

6. Contact permissions

If you tick the consent box you agree we may contact you by phone, text and email, including by automated means. Consent is not a condition of service. Reply STOP to any text to opt out. How we handle your information is set out in our Privacy Policy.

7. Ending the relationship

You may stop working with us at any time before a claim is filed, at no cost. After filing, the signed agreement governs what happens. We may decline or withdraw from any matter, including where a claim turns out not to be viable, where information given to us was inaccurate, or where continuing would be unlawful.

8. No guarantee

We do not guarantee that any claim will succeed, that any amount will be recovered, or how long an agency will take. Anything we say about likely outcomes is an estimate.

9. Disclaimers and limits

The site and the free check are provided "as is". To the fullest extent the law allows, we disclaim implied warranties, and our total liability arising out of these terms is limited to the fees you have actually paid us. Nothing here limits liability that cannot be limited by law, including for fraud.

10. Governing law

These terms are governed by the laws of [STATE], without regard to conflict of laws rules. Where the law of the state in which a claim is filed imposes stricter requirements on recovery services, that law applies to that claim.

11. Changes

We may update these terms and will post the new version here with a new effective date. Signed claim agreements are not changed by an update to this page.

12. Contact

[LEGAL ENTITY NAME]
[POSTAL ADDRESS]
[SUPPORT EMAIL] · [PHONE]

Owed is not a law firm and is not a government agency. Nothing on this page is legal advice. Fees vary by state and are set by state law.

What we do, what we charge, and what we cannot promise.