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Arizona Debt Management Bond

How much will my debt management bond cost?

The Arizona Department of Financial Institutions requires debt management companies to post bonds. The amount of coverage needed varies depending on how much debt the company handled and disbursed in the state during the previous year. A new company will need a $5,000 bond.

The price you’ll pay for your debt management bond depends directly on your personal credit report.

Poor credit? Don’t worry, our bad credit surety bond program allows us to approve 99% of all applicants!

Bond Type Bond Amount Cost by Credit Score*
680 and up 679 - 600 599 or lower
Debt Management Bond (Less than $100,000 in yearly disbursements) $5,000 Starts at $100 $250-400 $500+ Apply Now
Debt Management Bond ($100,000 - $250,000 in yearly disbursements) $10,000 Starts at $100 $500-800 $1,000+ Apply Now
Debt Management Bond ($250,001 - $500,000 in yearly disbursements) $15,000 Starts at $150 $750-1,200 $1,500+ Apply Now
Debt Management Bond ($500,001 - $1,000,000 in yearly disbursements) $20,000 Starts at $200 $1,000-1,600 $2,000+ Apply Now
Debt Management Bond (Greater than $1,000,000 in yearly disbursements) $25,000 Starts at $250 $1,250-2,000 $2,500+ Apply Now
*The bond premium rate quotes provided to you through this website are for pricing comparisons and quotation estimate purposes only. The bond rate quotes provided are based on general assumptions that may or may not be applicable to you and are subject to change at any time. These rate quotes do not constitute an offer of insurance, nor is any contract, agreement, or bond coverage implied, formed or bound by the provision of rate quotes. Bondability, final bond premium rate quotes and an offer of insurance, if any, will be determined by the insurance company providing your bond. You must contact us directly to obtain a quote for binding purposes.

If you’re ready to get bonded, call SuretyBonds.com at 1 (800) 308-4358 or fill out our online bond request form.

Why do I need this bond?

The Arizona debt management surety bond is required by the Arizona Department of Financial Institutions. All rules, laws and regulations that are required to be followed by licensed debt management professionals can be found in the Arizona Revised Statutes (ARS). According to the ARS Title 6, Chapter 6, unlawful acts include:

  • attempting to change any scheduled payment unless the debtor gives consent
  • acting as both a collection agent and debt manager on a single account
  • having a debtor sign a contract or agreement that is not complete
  • receiving or charging any person for the referral of a debtor
  • falsely advertising services

If a debt manager was to break any of these laws and a claim was made against him or her, the surety would initially pay for any financial losses up to the full bond amount; however, the principal is ultimately responsible for reimbursing the surety.

Our surety specialists are standing by to answer any questions you have! Just give us a call at 1 (800) 308-4358 or submit a bond request form to connect with a debt management bond expert.

What’s the fine print?

Arizona debt management surety bonds are continuous until canceled, and the obligee requires 30 days notice from the surety underwriting company prior to cancellation.

When filling out the bond form, it is important to check the business/license type for which you are applying. If you wish to be bonded for more than one of the license types offered by the Department of Financial Institutions, multiple bonds must be taken out.

Every employee within a debt management company in Arizona must be bonded, not just the company as a whole.

How to start a debt management company in Arizona

The following must be submitted to the Arizona Department of Financial Institutions when applying for a debt management license:

  • biographical statement, if applying as an individual
  • certificate of good standing
  • branch office application(s)
  • personal and professional financial statements
  • notarized debt management supplement application
  • all required fees

Our team of surety specialists is here to get you the bond you need so that you can get your debt management license. Take the first step now and fill out our online bond request form!

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Debt management surety bond form

Forms and Fees

DFI license application instructions

DFI license application

Arizona Revised Statutes, Title 6

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