In most states a collection agency must file a surety bond with its licensing authority.  In addition to ensuring compliance with the statutes regulating collection activity, the collection agency bond often offers a financial guarantee for third party funds that the agency may have collected on behalf of creditors.  These surety bonds can be cumulative and can have “long tails” because release of the bond may be conditioned upon return of ALL third party funds in the agency’s possession.  Surety One, Inc., will issue these for experienced applicants regardless of credit condition. Visit us at, call (787) 333-0222 or (800) 373-2804, or email