Before You Co-Sign: Key Questions to Ask a Bail Bondsman

Co-signing means you’re taking financial and legal responsibility for someone’s release. Before you sign, ask these questions so you know the true costs, risks, and your rights.

1) What’s the total cost, and is any of it refundable?
Confirm the premium (often 8–15% of bail, set or capped by state rules) and whether add-on charges apply. In most states the premium is a non-refundable service fee, even if charges are dropped or the case is dismissed. 

2) What collateral is required and when is it returned?
Ask what forms of collateral the agency accepts and the exact conditions and timeline for return after the case is exonerated. Get the procedure for releasing liens in writing.

3) What exactly am I responsible for as a co-signer?
You generally promise the defendant’s appearance at all hearings and agree to cover bond-related losses. Request a written list of your obligations and any circumstances that could trigger payment.

4) What happens if the defendant misses court?
Missing a court date can lead to a bench warrant and bail forfeiture. Some jurisdictions allow a grace period to surrender the defendant and seek reinstatement, ask how long, what it costs, and what you must do.

5) Can I revoke my co-signature (surrender the bond) and how?
If you’re worried the defendant won’t comply with conditions, ask whether you can request surrender. Understand that revocation can result in the defendant being taken back into custody until new bail is posted.

6) Are there payment plans or interest/late-fee policies?
If the agency offers financing, get the APR, late fees, and total payoff in writing. Clarify whether you remain liable if the defendant’s case ends early.

7) What are the agency’s check-in rules and travel limits?
Frequent check-ins, curfews, or travel approvals may be required. Know who tracks compliance, and what happens after a violation.

8) What license and disclosures will I see?
Work only with a licensed agent and ask for the required contracts and disclosures. Keep copies of everything you sign. 

9) When, exactly, is the bond exonerated?
Confirm how you’ll be notified when the court exonerates the bond at the case’s end and how soon collateral is released.

10) Who should I call if something goes wrong?
Get a 24/7 contact number and the process for emergencies (missed hearing, illness, arrest on a new charge).

• Read every page. Refuse vague add-on fees or any terms that conflict with your state’s consumer protections. 
• Set expectations. Make sure the defendant understands court dates, check-ins, and travel limits to avoid forfeiture.

Co-signing a bail bond can help a loved one, but it’s a binding financial commitment. Verify the premium and fees, collateral rules, your responsibilities, and the agency’s surrender and forfeiture procedures, in writing, before you sign. If anything is unclear, call your state insurance/financial regulator or speak with a defense attorney. Laws and caps vary by state, so local rules govern your rights and costs.