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1.   What does it cost to post a bond?

      Answer:   It all depends on the bond amount.  There is usually a minimum fee and after that the bondsman collects a percentage any where from 20%-10% of the face value of the bond.  The lower the amount of the bond the higher the percentage charged.

2.  Do you do payment plans?

      Answer:  Normally if the client has a good job something can be worked out.  Usually half of the premium down and a pay plan worked out on the remaining amount.  It will depend on that persons individual situation as to whether or not a pay plan will be accepted by this office.

3.  Do you take collateral?

     Answer:  No we do not.

4.  Is your office open 24 hours a day?

       Answer:   Bonds in Gregg County can be made 24 hours a day, but the office is physically open Monday - Friday 10:00 am - 3:00 pm. (we no longer as a rule make bonds 24 hours a day.   Generally, our cut off time is around 8:00PM until the next morning.)

5.  Do I get my money back?

      Answer:  No.  You are paying for a service we provide.  Essentially you are receiving a loan from us and are only required to pay the interest and not the principle so long as the subject does not get a bond forfeiture.  If a promissory note or indemnity agreement has been signed and the subject gets a bond forfeiture then any portion or all of the principle that the bondsman is out may be reclaimed from the signer and or co-signer.

6.  Why am I signing a promissory note or indemnity agreement?  

      Answer:  A promissory note or indemnity agreement is signed by every subject.  On some occasions, if the owner/agent of the bail bond company deems it necessary a cosigner will be requested.  This is mainly to ensure that the subject has additional incentive to go to court.  If the subject does not go to court and gets a bond forfeiture the co-signer will be liable for any amount that the bondsman is out due to the subject's failure to appear in court for the charges listed on the promissory note or indemnity agreement.

7.  What is a bond forfeiture?

     Answer:  A bond forfeiture is when a defendant is given a court date and fails to appear before the appropriate judge on that date.  A judge and only a judge can and will then issue an order of forfeiture for the defendant's failure to appear.  This creates a warrant for the arrest of the defendant.

8.  What is escrow?

     Answer:  For the purposes of our office escrow (or cash collateral) is an amount over and above the bondsman's fee.  It will vary depending upon the amount of the bond itself.  It is usually 25% of the bond amount plus court costs which can vary at the time of the posting of the bond.  This option is usually used instead of signing a promissory note or indemnity agreement and limits the signing party's liability for the forfeiture of the bond.  This amount is used to secure the appearance of the defendant in court.  If the defendant does not appear in court the escrow is used to pay the lawsuit that will be filed against the bondsman.  If the defendant goes to each and every court date, does not receive a bond forfeiture and their case is finalized by the courts and the bond is closed the person or persons that put up the escrow will then receive the escrow money back.

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