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CALIFORNIAUNCLAIMED PROPERTY SERVICES Claim Property

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Search California Unclaimed Property — Free

Enter a name exactly as it may have appeared on an old account. We search the State Controller’s published records under every reasonable variant of it, not just the spelling you typed.

667 records carry that name

The 100 shown below are worth $625,950 between them. A match is not proof — the State holds many people with the same name, and establishing which record is yours is the real work of a claim.

The State holds 4,424 records under the surname Cho, worth $4,948,734. See every city and first name they are recorded under

  • Strong match

    Sun Hee Cho

    Uncashed check

    Reported by Uniti Bank

    A claim on this will have to be notarized.

    $2,279.33
    Start this claim

    State ID 967639014

  • Strong match

    Sun H Cho

    Stocks or securities · Apple Valley, CA

    Reported by Mgm Resorts International

    A claim on this will have to be notarized.

    $1,748.35 Mgm Resorts International
    Start this claim

    State ID 1033219269

  • Strong match

    Sun Tea Cho

    Escrow balance · Lomita, CA

    Reported by Hanmi Escrow Co. Inc.

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,581.12
    Start this claim

    State ID 966265013

  • Strong match

    Sun J Cho

    Cash held by the State · Burbank, CA

    Reported by American Honda Finance Corporation

    A claim on this will have to be notarized.

    $1,478.84
    Start this claim

    State ID 16523307

  • Strong match

    Sun H Cho

    Savings account · Torrance, CA

    Reported by Jpmorgan Chase Bank N.a.

    $746.89
    Start this claim

    State ID 982509410

  • Strong match

    Sun Cho

    Uncashed check

    Reported by Wells Fargo Bank National Assocation

    $725.47
    Start this claim

    State ID 994848666

  • Strong match

    Sun Express Cho

    Uncashed check · Garden Grove, CA

    Reported by Ontario Automotive Llc

    $583.00
    Start this claim

    State ID 964744434

  • Strong match

    Sun Hee Cho

    Uncashed check · San Francisco, CA

    Reported by Amway Corp.

    $540.72
    Start this claim

    State ID 960655783

  • Strong match

    Sun Young Cho

    Uncashed check · Playa Del Rey, CA

    Reported by American Specialty Health Plans Of Calif

    $469.13
    Start this claim

    State ID 1042624880

  • Strong match

    Sun Cho

    Credit balance · La Canada Flintridge, CA

    Reported by T-mobile Usa

    $375.83
    Start this claim

    State ID 977848123

  • Likely match

    Soon Ai Cho

    Uncashed check · Los Angeles, CA

    Reported by Bank Of America - California Na (318)

    A claim on this will have to be notarized.

    $2,394.50
    Start this claim

    State ID 1006362292

  • Likely match

    Hsin Yi Cho

    Cash held by the State

    Reported by Paypal Inc

    A claim on this will have to be notarized.

    $1,217.24
    Start this claim

    State ID 1012903600

  • Likely match

    Sen Cho

    Insurance proceeds · Los Angeles, CA

    Reported by American Int'l Insurance Of California

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,041.69
    Start this claim

    State ID 17573214

  • Likely match

    Soon S Cho

    Uncashed check · Bellflower, CA

    Reported by Alden Lyman Escrow Corp

    $875.50
    Start this claim

    State ID 12517451

  • Likely match

    Soon Haeng Cho

    Unclaimed refund · Torrance, CA

    Reported by Interinsurance Exchange Of The Automobile Club

    Held jointly with 1 other person

    $809.00
    Start this claim

    State ID 1033933798

  • Likely match

    San Yoon Y Cho

    Cash held by the State · Montrose, CA

    Reported by Arrowood Indemnity

    $800.00
    Start this claim

    State ID 957107234

  • Likely match

    Soon Y Cho

    Uncashed check · Simi Valley, CA

    Reported by Transworld Bank

    Held jointly with 1 other person

    $688.75
    Start this claim

    State ID 9240581

  • Likely match

    Soon Hee Cho

    Uncashed check · Newport Beach, CA

    Reported by Bank Of America - North Carolina

    Held jointly with 1 other person

    $487.23
    Start this claim

    State ID 999837693

  • Likely match

    Soon N Cho

    Mineral or royalty payments · Sung Nam Kyung,

    Reported by Herbalife International Of America Inc

    $454.71
    Start this claim

    State ID 14877267

  • Likely match

    Sunny Cho

    Uncashed check · Larkspur, CA

    Reported by Greenpoint Mortgage Funding Inc

    Held jointly with 1 other person

    $393.07
    Start this claim

    State ID 14728341

  • Likely match

    Sun Choe

    Uncashed check · Diamond Bar, CA

    Reported by Aurora Loan Services Llc

    A claim on this will have to be notarized.

    $9,683.44
    Start this claim

    State ID 989028914

  • Likely match

    Sun Jun Choi

    Unclaimed refund · Corona, CA

    Reported by Bank Of America - Home Loans

    A claim on this will have to be notarized.

    $2,439.49
    Start this claim

    State ID 984837122

  • Likely match

    Sun Jun Choi

    Escrow balance · Corona, CA

    Reported by Nationstar Mortgage, Llc

    A claim on this will have to be notarized.

    $1,911.23
    Start this claim

    State ID 1025909125

  • Likely match

    Sun Choi

    Credit balance · Daly City, CA

    Reported by American Express Company

    A claim on this will have to be notarized.

    $1,625.00
    Start this claim

    State ID 1021365999

  • Worth checking

    Zun Tsuon Chou

    Cash held by the State · San Francisco, CA

    Reported by East West Bank

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $71,532.18
    Start this claim

    State ID 989945607

  • Worth checking

    Zun Tze Chou

    Cash held by the State · San Francisco, CA

    Reported by East West Bank

    A claim on this will have to be notarized.

    $64,836.13
    Start this claim

    State ID 975460873

  • Worth checking

    Soon Choi

    Cash held by the State · La Crescenta, CA

    Reported by Prudential Insurance Company

    A claim on this will have to be notarized.

    $38,025.60
    Start this claim

    State ID 13711781

  • Worth checking

    Soon Jin Choi

    Stocks or securities · Rancho Palos Verdes, CA

    Reported by Metlife Inc

    A claim on this will have to be notarized.

    $14,913.42 Metlife Inc
    Start this claim

    State ID 1040448732

  • Worth checking

    San Ju Chou

    Savings account · S Pasadena, CA

    Reported by Bank Of America - Oregon

    A claim on this will have to be notarized.

    $5,182.20
    Start this claim

    State ID 989416587

  • Worth checking

    Soon O Choy

    Uncashed check · Rowland Heights, CA

    Reported by Bank Of America - Illinois

    Held jointly with 2 other people

    A claim on this will have to be notarized.

    $3,903.92
    Start this claim

    State ID 18338001

  • Worth checking

    Seon Ok Choo

    Savings account · South Pasadena, CA

    Reported by Bank Of America - Arizona

    A claim on this will have to be notarized.

    $3,040.65
    Start this claim

    State ID 952428864

  • Worth checking

    Hsuan Ting Chou

    Unpaid wages · New Taipei City Taiwan Zhonghe,

    Reported by Dolby Laboratories Inc

    A claim on this will have to be notarized.

    $2,169.99
    Start this claim

    State ID 993318467

  • Worth checking

    Soon Y Choi

    Cash held by the State · Gardena, CA

    Reported by Hsbc Finance Corporation

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,697.76
    Start this claim

    State ID 958721527

  • Worth checking

    San Ju Chou

    Uncashed check · S Pasadena, CA

    Reported by Bank Of America - Oregon

    A claim on this will have to be notarized.

    $1,674.17
    Start this claim

    State ID 989416535

  • Worth checking

    Hsien Nan Chou

    Savings account · Arcadia, CA

    Reported by Wells Fargo Bank National Assocation

    A claim on this will have to be notarized.

    $1,423.97
    Start this claim

    State ID 994839118

  • Worth checking

    Shu Yu Cho

    Cash held by the State · Taoyuan,

    Reported by East West Bank

    Held jointly with 3 other people

    Someone has already filed a claim on this property. It may be you, or it may not.

    A claim on this will have to be notarized.

    $127,219.40
    Start this claim

    State ID 989945599

  • Worth checking

    Shien Cho

    Uncashed check · El Cerrito, CA

    Reported by Wells Fargo Bank Na (apecs 1009)

    A claim on this will have to be notarized.

    $89,255.04
    Start this claim

    State ID 1032855807

  • Worth checking

    Sungmin Cho

    Uncashed check · Palo Alto, CA

    Reported by Bank Of America Na (885)

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $29,998.20
    Start this claim

    State ID 1017752257

  • Worth checking

    Shin Y Cho

    Uncashed check · Citrus Heights, CA

    Reported by Bank Of America Na

    Someone has already filed a claim on this property. It may be you, or it may not.

    A claim on this will have to be notarized.

    $19,755.00
    Start this claim

    State ID 1045283110

  • Worth checking

    Sung Y Cho

    Uncashed check · Orange, CA

    Reported by Bank Of Hope

    A claim on this will have to be notarized.

    $15,675.45
    Start this claim

    State ID 992890857

  • Worth checking

    Sueling Cho

    Savings account · Los Gatos, CA

    Reported by Technology Credit Union

    A claim on this will have to be notarized.

    $4,126.54
    Start this claim

    State ID 981669881

  • Worth checking

    Sunyoung K Cho

    Uncashed check

    Reported by Bank Of America - California - South

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $3,901.49
    Start this claim

    State ID 952555808

  • Worth checking

    Seok Joon Cho

    Cash held by the State · Los Angeles, CA

    Reported by Wilshire State Bank

    A claim on this will have to be notarized.

    $3,638.65
    Start this claim

    State ID 959001633

  • Worth checking

    Sang Y Cho

    Stocks or securities · San Leandro, CA

    Reported by Metlife Inc

    A claim on this will have to be notarized.

    $3,285.64 Metlife Inc
    Start this claim

    State ID 989273101

  • Worth checking

    Soyoung Cho

    Uncashed check · Albany, CA

    Reported by Bank Of America - California Na (318)

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $3,091.21
    Start this claim

    State ID 994652709

  • Worth checking

    Seung M Cho

    Savings account · Los Angeles, CA

    Reported by Bbcn Bank

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $3,023.02
    Start this claim

    State ID 16213189

  • Worth checking

    Shannon Cho

    Uncashed check · Escondido, CA

    Reported by Fund 1 Independent Foreclosure Review Pa

    A claim on this will have to be notarized.

    $3,000.00
    Start this claim

    State ID 984682226

  • Worth checking

    Soohye Cho

    Uncashed check · San Gabriel, CA

    Reported by Bank Of America - California Na (318)

    A claim on this will have to be notarized.

    $2,966.69
    Start this claim

    State ID 1027290310

  • Worth checking

    Seok Joon Cho

    Savings account · Los Angeles, CA

    Reported by Wilshire State Bank

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $2,883.10
    Start this claim

    State ID 968939334

  • Worth checking

    Seung Hui Cho

    Stocks or securities · Los Angeles, CA

    Reported by Prudential Financial Inc

    A claim on this will have to be notarized.

    $2,838.82 Prudential Financial Inc
    Start this claim

    State ID 971801744

  • Worth checking

    Seohee Cho

    Savings account · San Francisco, CA

    Reported by Popular Bank

    A claim on this will have to be notarized.

    $2,586.08
    Start this claim

    State ID 975512241

  • Worth checking

    Sang Woo Cho

    Retirement account · Paramount, CA

    Reported by Bank Of America - California Na (318)

    A claim on this will have to be notarized.

    $2,436.46
    Start this claim

    State ID 1027304631

  • Worth checking

    S Y Chow

    Uncashed check · San Jose, CA

    Reported by Bank Of America Nt&sa Branch:0659-intl Private Bnkg Svcs

    A claim on this will have to be notarized.

    $2,424.39
    Start this claim

    State ID 11019620

  • Worth checking

    Soobin Cho

    Unclaimed refund · San Jose, CA

    Reported by La Terraza

    A claim on this will have to be notarized.

    $2,325.04
    Start this claim

    State ID 1035730111

  • Worth checking

    Song Cho

    Credit balance · Studio City, CA

    Reported by Citibank (south Dakota) Na

    A claim on this will have to be notarized.

    $2,287.13
    Start this claim

    State ID 956850567

  • Worth checking

    Soowon Cho

    Uncashed check · Alameda, CA

    Reported by Wells Fargo Bank Na

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $2,166.03
    Start this claim

    State ID 17784718

  • Worth checking

    Seung Bum Cho

    Uncashed check · Davis, CA

    Reported by Bank Of America - Na (california Foreign)

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $2,091.88
    Start this claim

    State ID 1047281460

  • Worth checking

    So C Cho

    Stocks or securities · Union City, CA

    Reported by Metlife Inc

    A claim on this will have to be notarized.

    $2,070.72 Metlife Inc
    Start this claim

    State ID 18871379

  • Worth checking

    Sydney Cho

    Uncashed check

    Reported by Wells Fargo Bank, Na (apecs 1009)

    A claim on this will have to be notarized.

    $2,069.89
    Start this claim

    State ID 1011098141

  • Worth checking

    Cho

    Uncashed check

    Reported by Wells Fargo Bank Na

    Someone has already filed a claim on this property. It may be you, or it may not.

    A claim on this will have to be notarized.

    $2,000.00
    Start this claim

    State ID 987989469

  • Worth checking

    Sungmin Cho

    Savings account · Palo Alto, CA

    Reported by Bank Of America Na

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,987.59
    Start this claim

    State ID 1034154862

  • Worth checking

    Sung A Cho

    Uncashed check · Fullerton, CA

    Reported by Hanmi Bank

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,969.07
    Start this claim

    State ID 972621909

  • Worth checking

    Seong R Cho

    Uncashed check · Sunnyvale, CA

    Reported by Bank Of America - Illinois

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,795.15
    Start this claim

    State ID 18334911

  • Worth checking

    Soo Yeon Cho

    Uncashed check · Moraga, CA

    Reported by Bank Of America - California

    A claim on this will have to be notarized.

    $1,668.08
    Start this claim

    State ID 974737648

  • Worth checking

    Su Min Cho

    Uncashed check · Monterey, CA

    Reported by Bank Of America - California Na (318)

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,600.08
    Start this claim

    State ID 1027295374

  • Worth checking

    Sung C Cho

    Stocks or securities · Palo Alto, CA

    Reported by Metlife Inc

    A claim on this will have to be notarized.

    $1,582.69 Metlife Inc
    Start this claim

    State ID 966188190

  • Worth checking

    Su J Cho

    Escrow balance · Northridge, CA

    Reported by Wells Fargo Bank Na

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,476.14
    Start this claim

    State ID 1003291361

  • Worth checking

    Cho

    Unclaimed refund · Cerritos, CA

    Reported by Ge Capital Mortgage Srv Inc

    A claim on this will have to be notarized.

    $1,265.32
    Start this claim

    State ID 15126532

  • Worth checking

    Steven Cho

    Uncashed check · La Crescenta, CA

    Reported by Charles Schwab Bank

    A claim on this will have to be notarized.

    $1,251.88
    Start this claim

    State ID 1006805316

  • Worth checking

    Sang H Cho

    Savings account · Van Nuys, CA

    Reported by Bank Of America Nt&sa Branch:0376-textile Branch

    A claim on this will have to be notarized.

    $1,220.26
    Start this claim

    State ID 11019073

  • Worth checking

    Sung Hyeok Cho

    Cash held by the State · La Canada, CA

    Reported by Associated Students Inc - 002

    A claim on this will have to be notarized.

    $1,218.92
    Start this claim

    State ID 1029989499

  • Worth checking

    Sung Yeon Cho

    Uncashed check · Los Angeles, CA

    Reported by Center Bank

    A claim on this will have to be notarized.

    $1,208.05
    Start this claim

    State ID 955276825

  • Worth checking

    Sei J Cho

    Cash held by the State · Torrance, CA

    Reported by Transamerica Life Insurance Company

    A claim on this will have to be notarized.

    $1,200.00
    Start this claim

    State ID 15195350

  • Worth checking

    Sandys Cho

    Credit balance · Los Angeles, CA

    Reported by Nordstrom Card Services Inc

    A claim on this will have to be notarized.

    $1,106.44
    Start this claim

    State ID 1024734481

  • Worth checking

    Sung H Cho

    Uncashed check · Los Angeles, CA

    Reported by Nara Bank

    A claim on this will have to be notarized.

    $1,083.00
    Start this claim

    State ID 14838840

  • Worth checking

    Stella Cho

    Savings account · Irvine, CA

    Reported by Nuvision Federal Credit Union

    A claim on this will have to be notarized.

    $1,064.64
    Start this claim

    State ID 988013610

  • Worth checking

    Sung Goo Cho

    Uncashed check · Montrose, CA

    Reported by Wilshire State Bank

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,061.50
    Start this claim

    State ID 962572303

  • Worth checking

    Soo Cho

    Unclaimed refund · Diamond Bar, CA

    Reported by Safeco Ins Co Of America

    A claim on this will have to be notarized.

    $1,045.41
    Start this claim

    State ID 969816864

  • Worth checking

    Sung-yeon Cho

    Savings account · Los Angeles, CA

    Reported by Bank Of America-california-south

    A claim on this will have to be notarized.

    $1,011.88
    Start this claim

    State ID 955974426

  • Worth checking

    Soo Ah Cho

    Cash held by the State · San Diego, CA

    Reported by Bank Of America Na

    A claim on this will have to be notarized.

    $1,011.32
    Start this claim

    State ID 1045333358

  • Worth checking

    Stacy Cho

    Cash held by the State · Santa Clarita, CA

    Reported by Farmers Insurance Exchange

    A claim on this will have to be notarized.

    $1,000.00
    Start this claim

    State ID 990145067

  • Worth checking

    So Soon Cho

    Uncashed check

    Reported by Fund 1 Independent Foreclosure Review Pa

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,000.00
    Start this claim

    State ID 984682238

  • Worth checking

    Sue S Cho

    Cash held by the State · Arleta, CA

    Reported by Safeco Ins Co Of America

    A claim on this will have to be notarized.

    $1,000.00
    Start this claim

    State ID 1003040822

  • Worth checking

    Sang Y Cho

    Cash held by the State · Desert Hot Springs, CA

    Reported by Permanent General Assurance Corporation

    A claim on this will have to be notarized.

    $1,000.00
    Start this claim

    State ID 960578081

  • Worth checking

    Samuel Cho

    Uncashed check · Brea, CA

    Reported by Christian Louboutin Llc & Subsidiaries

    $996.69
    Start this claim

    State ID 1034855877

  • Worth checking

    Sangyeun Cho

    Savings account · Tokyo 101 0021,

    Reported by Union Bank N.a.

    Held jointly with 1 other person

    $988.10
    Start this claim

    State ID 978165293

  • Worth checking

    Sung Gak Cho

    Unclaimed refund · Rowland Heights, CA

    Reported by Db Insurance Co. Ltd. U.s. Branch

    $973.00
    Start this claim

    State ID 1007928001

  • Worth checking

    Sohyun Cho

    Savings account · Los Angeles, CA

    Reported by Bank Of America Nt&sa Branch:0335-university Village Br

    Held jointly with 1 other person

    $956.93
    Start this claim

    State ID 14901813

  • Worth checking

    Sam Ye Cho

    Uncashed check · Los Angeles, CA

    Reported by Hanmi Bank

    $939.62
    Start this claim

    State ID 954101593

  • Worth checking

    Sung H Cho

    Cash held by the State · Pomona, CA

    Reported by State Of California Savings Plus

    $923.55
    Start this claim

    State ID 959757339

  • Worth checking

    Sang H Cho

    Escrow balance · Antioch, CA

    Reported by Bank Of America - Home Loans

    Held jointly with 1 other person

    $893.82
    Start this claim

    State ID 966158914

  • Worth checking

    Seong Joon Cho

    Uncashed check · Los Angeles, CA

    Reported by Bank Of Hope

    $892.39
    Start this claim

    State ID 992890856

  • Worth checking

    Sungkook Cho

    Uncashed check · Pleasant Hill, CA

    Reported by Jpmorgan Chase Bank N.a. (703)

    $885.93
    Start this claim

    State ID 993146925

  • Worth checking

    Song P Cho

    Uncashed check · La Puente, CA

    Reported by Bank Of America Nt & Sa

    Held jointly with 1 other person

    $885.65
    Start this claim

    State ID 10806896

  • Worth checking

    Simon S Cho

    Uncashed check · Gardena, CA

    Reported by Bank Of America - Pre-paid Card

    $868.69
    Start this claim

    State ID 989632120

  • Worth checking

    Stella Cho

    Cash held by the State · Los Angeles, CA

    Reported by Jpmorgan Chase Bank Na (500009)

    $829.75
    Start this claim

    State ID 1013910302

  • Worth checking

    Seongjae Cho

    Uncashed check · Albany, CA

    Reported by Wells Fargo Bank Na (apecs 1009)

    $813.64
    Start this claim

    State ID 1043587535

  • Worth checking

    Susan I Cho

    Unclaimed refund · Roseville, CA

    Reported by General Casualty Ins Co Of Wi

    $806.15
    Start this claim

    State ID 1026239779

  • Worth checking

    Seong T Cho

    Savings account · Cerritos, CA

    Reported by Union Bank Of California, N.a.

    Held jointly with 1 other person

    $803.38
    Start this claim

    State ID 14977690

  • Worth checking

    Selwyn Cho

    Cash held by the State · Carson, CA

    Reported by Paypal Inc

    $800.00
    Start this claim

    State ID 972453689

Showing the 100 most valuable of 667. That is a common name — add a first name or a city to narrow it, and try any former spelling.

Tell us if this name comes up again

Banks and insurers hand accounts to the State Controller roughly twice a year, and the file grows every time. We will keep checking this name against each new file and write to you if it appears.

Only about this name, and you can stop it from any email. We do not sell or share the address.

How You Are Protected

Our fee is capped at ten per cent of what is recovered by Code of Civil Procedure §1582, and nothing is owed until the State Controller has paid you. If we recover nothing, you owe nothing.

There is no deadline. The State holds unclaimed property indefinitely, so nothing here is urgent.

Commissioned California Notary Public $15,000 surety bond Fee capped at 10% by state law Nothing owed until you are paid
10%
Maximum fee, by statute
Code of Civil Procedure §1582 caps any recovery fee at ten percent of the property returned.
$1,000
Notarization threshold
Cash claims at or above this must be notarized. So must all securities and safe deposit boxes.
7 days
Data refresh cycle
The State Controller republishes the full record set every Thursday, and we rebuild our copy from it.
None
Deadline to claim
California places no time limit. The State holds unclaimed property indefinitely.

How This Search Differs from the Official One

The State Controller’s own search matches what you type, and nothing else. Ours also finds maiden names, married names, initials, common misspellings, hyphen variants, and business names with and without their suffixes — because the record was created by whoever held the account, not by you.

Every result comes from the Controller’s own published file, which we rebuild weekly. Each one carries the State’s own property ID, so the record you are looking at is traceable to the source rather than to us.

What We Search Under

  • Your name as typed, plus initials and middle-name variants
  • Maiden and former married names, if you tell us them
  • Common misspellings and transposed letters
  • Former addresses in California
  • Business names with and without Inc., LLC, Co. and DBAs

How You Are Protected

Our fee is capped at ten per cent of what is recovered by Code of Civil Procedure §1582, and nothing is owed until the State Controller has paid you. If we recover nothing, you owe nothing.

California Unclaimed Property Services is a private asset recovery firm. We are not the California State Controller’s Office.

Find out in About Thirty Seconds

Give us a name and we will check the State Controller’s records under every reasonable variant of it. Asking costs nothing and commits you to nothing.