DE debt management services bonds.
0.5% of the bond amount.
An individual or partnership providing debt-management services to Delaware residents is licensed by the Delaware Attorney General under the Uniform Debt-Management Services Act, and 6 Del. C. § 2413A requires every applicant to file a surety bond of at least $50,000 — the Attorney General can set it higher based on your Delaware business and trust accounts. Our premium is 0.5% of the bond amount, $100 minimum, the bond issues the moment you pay, and any credit screen is a soft pull only — it never affects your score.
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Three steps. One sitting.
No underwriting queue — enter your amount, pay, and file with the Attorney General. Here is the whole thing:
Apply online
Your details, the bond amount your license requires, an effective date, and a term. That is the entire application — any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
The premium is 0.5% of the bond amount, $100 minimum — your exact price appears before you pay, and the executed bond and power of attorney generate the moment you do.
File with the Attorney General
Your executed bond arrives by email, ready to file with your debt-management services license application at the Delaware Department of Justice. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Delaware regulates credit counseling, debt settlement, and other debt-management services under the Uniform Debt-Management Services Act, 6 Del. C. Chapter 24A, administered by the Attorney General. Section 2413A requires every applicant to file a surety bond of at least $50,000, and the Attorney General may increase that amount based on the value of the provider's business in Delaware and the value of its trust accounts.
It's a three-party arrangement: you (the principal), the surety carrier, and the State of Delaware (the obligee). The bond runs to the State for the benefit of the Attorney General and of consumers injured by any wrongful act, omission, default, fraud, or misrepresentation by a licensed provider in the course of its licensed activity.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond has to stay on file for as long as you hold the license; we track the term and send renewal notices 60 and 30 days out. This entry is written for individuals and partnerships — corporations and LLCs use the companion corporate bond.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — your details, your bond amount, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Delaware bonds.
Finish your debt-management license today.
0.5% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.