Not in Texas? Browse bonds by state
Texas third-party debt collector bonds.
$100 flat.
Texas bars a third-party debt collector or credit bureau from engaging in debt collection unless a $10,000 surety bond is on file with the Secretary of State under Finance Code §392.101. Ours is $100 flat, the price you see is the checkout price, and the bond issues the moment you pay. No credit check.
Trusted by industry leaders
Three steps. One sitting.
Debt collector bonds are among the simplest filings in surety. Here is 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 $100 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the Secretary of State
A copy of the executed bond is filed with the Texas Secretary of State, which publishes a searchable list of bonded third-party debt collectors and credit bureaus. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Chapter 392 of the Texas Finance Code is the Texas Debt Collection Act. Section 392.101 provides that a third-party debt collector or credit bureau may not engage in debt collection unless it has obtained a surety bond from a surety company authorized to do business in Texas and has filed a copy of that bond with the Secretary of State. The amount is fixed at $10,000.
The bond runs in favor of any person damaged by a violation of Chapter 392, and in favor of the State of Texas for the benefit of any person so damaged. It is what gives a Texas consumer a source of recovery when a collector breaks the Act's rules on harassment, misrepresentation, and unfair collection practices. The Secretary of State publishes the filings in a searchable public database.
It is not insurance for you — if the surety pays a claim, you repay the surety. Collecting without a bond on file is itself a Chapter 392 violation, so the filing has to stay continuous: we track the term you buy 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 $10,000 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 Secretary of State. A copy of the executed bond is filed with the Texas Secretary of State, which publishes a searchable list of bonded third-party debt collectors and credit bureaus. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $100 at the $10,000 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 Texas bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Get your collector bond on file today.
$100 flat, issued the moment you pay, no credit check. Free until issued.