NH 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, the price you see is the checkout price, and the bond issues the moment you pay. The application includes a credit-consent section — that screen is a soft pull only, and it never affects your score.
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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
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 entire application.
Start the application →Common questions.
Other New Hampshire bonds.
Finish your debt adjuster license today.
$250 flat, issued the moment you pay, soft pull only. Free until issued.