Missouri debt adjuster bonds.
$1,000 flat.
Missouri requires a debt adjuster whose operation handles consumer monies to file a $100,000 surety bond with the Division of Finance under RSMo 425.027, the bond that stands behind every debt management and debt settlement plan you administer. Ours is $1,000 flat.
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How much does a Missouri debt adjuster bond cost?
$1,000 at the $100,000 amount, the same for every applicant.
Three steps. One sitting.
The debt adjuster bond is one of the simpler filings in Missouri financial licensing. Here's the entire process:
Apply online
Business details, an effective date, and a term. That is the application — any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $1,000 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the Division of Finance
Your executed bond arrives by email, ready to file with the Missouri Division of Finance in Jefferson City. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Missouri regulates debt adjusters — companies that administer debt management and debt settlement plans for consumers — through the Division of Finance. Under RSMo 425.027, an adjuster whose operation handles consumer monies files a $100,000 surety bond; an operation that declares it will handle no consumer monies may file $50,000 instead. This page covers the $100,000 bond.
It's a three-party arrangement: you (the principal), the surety carrier, and the state (the obligee). The bond stands behind your performance of each plan — if a debtor is damaged by a breach of a debt management or debt settlement plan, or by a failure to properly administer the funds collected and disbursed under one, the director of the Division of Finance can investigate the complaint and make a claim on the bond for the debtor's benefit.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond has to stay continuously on file while you operate; 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 $100,000 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 Division of Finance. Your executed bond arrives by email, ready to file with the Missouri Division of Finance in Jefferson City. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $1,000 at the $100,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields — business details, an effective date, and a term. That is the application.
Start the application →Common questions.
Other Missouri bonds.
The same bond in nearby states.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Finish your debt adjuster filing today.
$1,000 flat, issued the moment you pay, soft pull only. Free until issued.