KY debt adjuster bonds.
$500 flat.

Kentucky registers debt adjusters with the Office of the Attorney General under KRS Chapter 380, and KRS 380.040 requires every registrant to maintain a surety bond in favor of the Attorney General. This bond issues at a $50,000 penal sum. Ours is $500 flat, the price you see is the checkout price, and the bond issues the moment you pay. Any credit screen is a soft pull only — it never affects your score.

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Required to register as a Kentucky debt adjuster with the Attorney General under KRS 380.040

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Runs in favor of the Attorney General — and stays in force two years after you stop adjusting

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Fixed price, fixed amount — $50,000 bond, $500 flat, no quote process

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How it works

Three steps. One sitting.

Debt adjuster registration bonds are among the simplest filings in surety. Here's the entire process:

NOW · ONLINE

Apply online

Business details, an effective date, and a term. That is the entire application — no financials, and any credit screen is a soft pull that never shows as a hard inquiry.

INSTANTLY

Pay & e-sign

This bond is checkout-priced at $500 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.

SAME DAY

File with the Attorney General

Your executed bond arrives by email, ready to file with your debt adjuster registration at the Office of the Kentucky Attorney General. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the bond actually guarantees

Kentucky regulates debt adjusting — taking money from a debtor to distribute among creditors, or negotiating debt settlements for a fee — under KRS Chapter 380. A debt adjuster registers annually with the Office of the Attorney General, and KRS 380.040 requires the registrant to maintain a surety bond issued by a carrier admitted in Kentucky, in favor of the Attorney General.

It's a three-party arrangement: you (the principal), the surety carrier, and the Attorney General (the obligee) on behalf of the debtors you serve. The bond stands behind your handling of debtor funds and your compliance with Chapter 380 — and it must remain in effect for your entire registration and for two years after you stop providing debt-adjusting services.

It is not insurance for you — if the surety pays a claim, you repay the surety. Chapter 380 also carries separate insurance requirements (errors and omissions, employee dishonesty) alongside the bond; the bond piece is what we issue here, at a $50,000 penal sum. We track the term and send renewal notices 60 and 30 days out.

KRS 380.040KRS 380.040 requires a registered Kentucky debt adjuster to maintain a surety bond in favor of the Attorney General — $25,000 at the base tier, stepping up when the adjuster works debt secured by residential real property — with an irrevocable letter of credit permitted as an alternative on written Attorney General approval, and the bond remaining in effect for two years after the adjuster ceases services. This form issues at a $50,000 penal sum; confirm the amount your registration requires with the Attorney General's office.

You need this bond if you're

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Registering as a Kentucky debt adjuster — annual registration with the Attorney General

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Running a debt-settlement or debt-management business serving Kentucky debtors

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Renewing your registration — the bond must stay in effect continuously, plus a two-year tail

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Reinstating a registration that lapsed with an expired bond

One application, issued instantly.

These are the actual issuing fields — business details, an effective date, and a term. That is the entire application.

Start the application →

FAQ

Common questions.

How much is the Kentucky debt adjuster bond?The premium is $500 flat — set by our carrier's rate book for this bond, the same for every debt adjuster. This form issues at a $50,000 penal sum, so there is no quote process, and the price you see is the checkout price.

Do I pay the $50,000?No. You pay $500. The $50,000 is the surety's maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.

Is $50,000 the statutory amount?KRS 380.040 sets a $25,000 base bond and steps the requirement up when an adjuster works debt secured by residential real property. This form is written at $50,000 — confirm the exact amount your registration requires with the Attorney General's office before you file.

Is there a credit check?If a credit screen runs on this bond, it is a soft pull only — never a hard inquiry, and it never affects your score. The price stays $500 flat either way.

Who requires the bond, and where do I file it?The Office of the Kentucky Attorney General, which registers debt adjusters under KRS Chapter 380. The bond runs in favor of the Attorney General and must remain in effect for two years after you cease debt-adjusting services.

Related bonds

Other Kentucky bonds.

Finish your debt adjuster registration today.

$500 flat, issued the moment you pay, soft pull only. Free until issued.

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Your price$500

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