New Hampshire debt adjuster bonds.
$250 flat.
New Hampshire licenses debt adjustment services under RSA 399-D, and every applicant must post a $25,000 continuous surety bond payable to the State of New Hampshire and the bank commissioner, filed through NMLS with the license. Ours is $250 flat, and the price you see is the checkout price.
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How much does a New Hampshire debt adjuster bond cost?
$250 at the $25,000 amount, the same for every applicant.
Three steps. One sitting.
Debt adjuster bonds are among the simplest filings in surety. Here's the entire process:
Apply online
Business details, years in business, an effective date, and a term — plus the credit-consent signature. That screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $250 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
Upload to NMLS
Your executed bond arrives by email, ready to attach to your NMLS company record for the Banking Department. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
New Hampshire regulates debt adjustment services — budget planning, debt management, and debt settlement for consumers — under RSA 399-D, administered by the Banking Department. Each applicant must post a $25,000 continuous surety bond payable to the State of New Hampshire and the bank commissioner, for the benefit of any person damaged by a violation of the chapter, and conditioned on the licensee's compliance with every provision of it.
It's a three-party arrangement: you (the principal), the surety carrier, and the State together with the bank commissioner (the obligee). The bond stands behind the trust-account, fee, disclosure, and contract rules that protect consumers who hand a debt adjuster money to distribute to creditors. The surety must give the commissioner 30 days' written notice before cancellation or termination.
It is not insurance for you — if the surety pays a claim, you repay the surety, and the surety's obligations survive your bankruptcy or reorganization. Claims can reach back up to six years after the act complained of, so the bond has to stay continuously on file; 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 $25,000 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
Upload to NMLS. Your executed bond arrives by email, ready to attach to your NMLS company record for the Banking Department. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $250 at the $25,000 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, a term, and the credit-consent signature. That is the application.
Start the application →Common questions.
Other New Hampshire bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Finish your debt adjuster license today.
$250 flat, issued the moment you pay, soft pull only. Free until issued.