Kentucky debt adjuster bonds.
$500 flat.
Kentucky registers debt adjusters with the Office of the Attorney General, 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.
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How much does a Kentucky debt adjuster bond cost?
$500 at the $50,000 amount, the same for every applicant.
Three steps. One sitting.
Debt adjuster registration bonds are among the simplest filings in surety. Here's the entire process:
Apply online
Business details, an effective date, and a term. That is the application. No credit check.
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.
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.
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.
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 $50,000 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; a longer term is the same price per year, chosen at checkout.
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 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.
What sets the price
The premium is fixed at $500 at the $50,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
No credit check.
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 →Common questions.
Other Kentucky bonds.
The same bond in nearby states.
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Price and requirements checked on the carrier’s application, . Page updated .
Finish your debt adjuster registration today.
$500 flat, issued the moment you pay, no credit check. Free until issued.