David Church explains how surplus fund recovery can turn overlooked money into real income for claimants and locators. He describes foreclosure overages, tax surplus funds, dormant accounts, and a reported $80 billion-plus in unclaimed funds. His core process is to learn a market, get lists, skip trace owners, contact claimants, collect funds, and repeat. He emphasizes credibility through a "doctor frame," asking questions and using exact details like names, addresses, and account types. Follow up is the biggest sales lever, with his own routine built around five new leads a day, five days a week. Student examples include $37,000 commissions, $71,000 recoveries, and one family earning $411,000 in 2025. The key lesson is to focus on one market, build a repeatable system, and stay consistent.