Pennsylvania
Debt Management Services Bond

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Coverage Amount: $10,000 - $50,000
Term Length: 1 year
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Pennsylvania Debt Management Services Provider Bond Guide

If you’re applying for a debt management license in Pennsylvania, you’ll likely need this surety bond. 

Bond Overview

  • Purpose: To protect consumers from unfair or deceptive debt management practices
  • Who Needs It: Debt management and settlement services providers
  • Regulating Body: The Pennsylvania Department of Banking and Securities
  • Required Coverage: $10,000–$50,000
  • Premium Rate: 1–10% based on credit score

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

What Is a Pennsylvania Debt Management Services Provider Bond?

A Pennsylvania debt management services provider bond protects consumers from unfair or deceptive debt management practices. It creates a financial safeguard if companies do any of the following:

  • Engage in fraud
  • Break state regulations
  • Violate consumer contracts 

The Pennsylvania Department of Banking and Securities (DBS) requires this bond as part of the licensing process for debt management services providers in the state. 

How Much Do Debt Management Services Provider Bonds Cost in Pennsylvania?

Your bond amount must equal the total amount of funds you will hold in a trust at any time, with a $10,000 minimum.


Pennsylvania debt management services provider bonds cost a small percentage of that bond amount, typically 1–10% based on credit score. Apply for your free quote now!

Bond Type
$10,000-$50,000Debt Management Services Bondbond amount greater than the total amount of Pennsylvania consumer funds that the licensee will hold directly or in a trust at any time

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

Who Needs a Debt Management Services Provider Bond? 

The Pennsylvania DBS requires this bond and a state license for providers that offer debt management services.

This includes any entity that receives funds from consumers and distributes them to creditors to repay personal debts. All applicants must apply online through NMLS.

How Do I Get My Bond?

SuretyBonds.com provides the fastest and easiest way to get a Pennsylvania debt management services provider 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 email you the bond shortly after purchase. Be sure to file the bond with the DBS as instructed. 

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

How Does a Pennsylvania Debt Management Services Provider Bond Work? 

As with all surety bonds, a debt management services provider bond creates a legal contract between three parties: 

  1. Principal: You, the debt management services provider filing the bond
  2. Obligee: The Pennsylvania Department of Banking and Securities requiring the bond
  3. Surety: The provider issuing the bond

This holds you financially responsible for upholding the provisions of the Pennsylvania Debt Settlement Services Act

If you break the bond terms, harmed parties can file claims. The surety will pay valid claims up to the bond amount, but you are ultimately responsible for refunding the surety. 

How Do I Renew My Bond?

These bonds expire annually. To renew your debt management services provider 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

Call 1 (800) 308-4358 to talk with a Surety Expert