Collateral for Bail Bonds: What Can Be Used

Collateral gives the surety something of value it can recover if the bond is forfeited. It is more common for large bonds, out-of-state defendants, or co-signers with limited credit history.

• Real estate (usually through a recorded deed of trust or lien)
• Vehicle titles
• Cash deposits held in trust
• Bank accounts or certificates of deposit
• Jewelry or other valuables, depending on the agent

You should receive a written collateral receipt describing the item, its stated value and the conditions for return. Many states require cash collateral to be held in a trust account. Photograph physical items before handing them over.

Collateral is generally returned after the bond is exonerated and all premium payments are complete. State rules often set a deadline for return after exoneration. If you encounter delays, contact your state department of insurance, which typically handles bail agent complaints.