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Kentucky
Debt Adjuster Bond

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Coverage Amount: $25,000
Term Length: 1 year
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Kentucky Debt Adjuster Bond Guide

In Kentucky, all debt adjusters need a surety bond to register with the Attorney General.  

Bond Overview

  • Purpose: To ensure debt adjusters handle funds properly and operate ethically
  • Who Needs It: All debt adjusters in Kentucky
  • Regulating Body: The ​Kentucky Attorney General's Office of Consumer Protection
  • Required Coverage: $25,000
  • Premium Rate: Credit-based, typically 1–5%

Learn all about the bond requirements and process in this guide. 

What Is a Kentucky Debt Adjuster Bond? 

A Kentucky debt adjuster bond protects clients if a debt adjuster mishandles funds, fails to uphold contracts or acts fraudulently. 

The ​Kentucky Attorney General's Office of Consumer Protection requires a $25,000 surety bond to register as a debt adjuster in the state. 

How Much Do Debt Adjuster Bonds Cost?

Kentucky debt adjuster bonds cost a small percentage of the coverage amount, typically 1–5%.

Exact rates vary based on personal credit score. Apply for your free quote now!

Bond Type
$25,000Debt Adjuster Bond

SuretyBonds.com offers the lowest available rates from our nationwide provider network with no added fees. 

Who Needs a Debt Adjuster Bond? 

The ​Kentucky Attorney General requires this bond for debt adjusters offering the following services for a fee:

  • Debt-related budget counseling
  • Debt management, settlement or pooling
  • Foreclosure assistance
  • Intermediary services between a debtor and their creditors

Alternatively, you can file an irrevocable letter of credit as financial security. However, a surety bond is typically the most affordable option, requiring only a small upfront premium. 

How Do I Get My Bond?

SuretyBonds.com provides the fastest and easiest way to get a Kentucky debt adjuster bond. Just follow these quick steps: 

  1. Apply: Submit an online quote request form
  2. Quote: Receive your quote within one day
  3. Sign: Complete the indemnity agreement 
  4. Buy: Purchase the bond online 24/7

We’ll mail you the bond via your preferred shipping method. Be sure to file it with the Office of Consumer Protection as instructed.

If you have any questions, call our friendly surety experts at 1 (800) 308-4358 for assistance. 

How Does a Kentucky Debt Adjuster Bond Work? 

A debt adjuster bond creates a legal contract between these three parties: 

  1. Principal: You, the debt adjuster filing the bond
  2. Obligee: The ​Office of Consumer Protection requiring the bond
  3. Surety: The provider issuing the bond

This holds you financially responsible for upholding the provisions of Kentucky Revised Statutes Chapter 380. 

If you break the bond terms, harmed parties can file claims. The surety will pay valid claims up to the bond amount, but you must ultimately refund the surety. 

How Do I Renew My Bond?

These bonds expire annually. To renew your debt adjuster bond, simply pay your renewal invoice when prompted. 

We’ll begin contacting you by phone and email 90 days before the expiration date. 

More Resources

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