Arizona debt management company bonds.
From $100.
Arizona licenses debt management companies through the Department of Insurance and Financial Institutions, and A.R.S. § 6-704 requires a bond: $5,000 for companies disbursing less than $100,000 a year, stepping up to $25,000 above $1,000,000. Ours is 0.5% of the bond amount, $100 minimum.
Trusted by industry leaders
How much does an Arizona debt management company bond cost?
0.5% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
No underwriting queue for the standard debt management bond — enter your amount, pay, and file with DIFI. Here is the whole thing:
Apply online
Your company details, the bond amount your tier requires, and the effective date — that is the application. No credit check up to $25,000.
Issued the moment you pay
This bond is checkout-priced — the premium is 0.5% of the bond amount you enter, $100 minimum, and the executed bond is generated when you pay.
File with DIFI
Your executed bond and power of attorney arrive by email, ready to submit with your Arizona debt management company license application or renewal. Wet-ink original mailed on request.
What it is and who needs it.
What the debt management bond guarantees
Arizona regulates debt management companies — businesses that take money from debtors and disburse it to their creditors — under Title 6, Chapter 6, and A.R.S. § 6-704 requires every applicant to furnish a bond payable to the people of the state before a license issues. The bond stands behind the faithful accounting of all monies collected on accounts entrusted to the company.
It's a three-party arrangement: your company (the principal), the surety carrier, and the people of the state (the obligee), with the debtors whose payments move through your hands as the protected parties. If your company collects a debtor's money and fails to disburse it per your contracts, the harmed party can recover against the bond — and if the surety pays, your company repays the surety.
The tiers follow last year's disbursements: $5,000 under $100,000, $10,000 to $250,000, $15,000 to $500,000, $20,000 to $1,000,000, and $25,000 above that. The bond stays in force until the deputy director releases the surety — we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File with DIFI. Your executed bond and power of attorney arrive by email, ready to submit with your Arizona debt management company license application or renewal. Wet-ink original mailed on request.
What sets the price
The premium is 0.5% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $25,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
Enter the bond amount your disbursement tier requires and the executed bond generates at checkout — 0.5% of the bond amount, $100 minimum. No credit check up to $25,000.
Start the application →Common questions.
Other Arizona bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Finish your license checklist today.
0.5% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.