Our Fair Offer Standard
A disciplined approach to pricing surplus claims — transparent, consistent, and subject to applicable law.
For standard qualifying claims, MissingSurplus targets a purchase price of at least 75% of verified expected recovery. This standard applies only to eligible former-owner and authorized-representative claim purchases. Each claim is individually underwritten and applicable law controls.
75% Target
For standard qualifying claims, we target a purchase price of at least 75% of verified expected recovery.
25% Ceiling
Our standard maximum discount is 25%. If a claim cannot support an offer within this range, we recommend alternative paths.
Not Guaranteed
These are internal underwriting standards, not guarantees. Each claim is individually evaluated and applicable law controls.
What "Verified Expected Recovery" Means
Verified expected recovery is our best estimate of the net amount likely to be collected after accounting for known competing claims, legal costs, fund holder fees, and collection risk. It is not the gross surplus amount. It is based on available records, historical data, and professional judgment — and it is subject to change as new information becomes available.
When the Standard Does Not Apply
The Fair Offer Standard may not apply to claims with unusual complexity, significant legal risk, uncertain documentation, competing claims that cannot be resolved, or other factors that increase underwriting risk. In such cases, we may recommend recovery assistance, self-recovery, or independent legal review rather than a purchase offer.
Why a Purchase Price Is Less Than Full Recovery
When MissingSurplus purchases a claim, we assume the risk that collection may be delayed, reduced, or unsuccessful. We also incur legal costs, administrative costs, and the opportunity cost of capital during the collection period. The discount reflects these risks and costs.
Important Disclaimers
- The Fair Offer Standard is an internal underwriting target, not a guarantee or contractual commitment.
- Each claim is individually evaluated. Past performance or examples do not predict future results.
- Applicable state law governs all transactions. Some jurisdictions restrict or prohibit the assignment of surplus claims.
- You are encouraged to consult independent legal counsel before accepting any offer.
- This standard applies only to MissingSurplus owner-side claim purchases, not to any future creditor claim acquisition business.