When you or a loved one has been arrested, fear and urgency can cloud judgment. Unfortunately, scammers and dishonest operators know this and take advantage of people during some of the most stressful moments of their lives.
Over the years, multiple incidents across the country have shown how bad bail bond agents can cause financial and emotional harm.
Real Examples of Bail Bond Abuse
In February of a recent year, the New Orleans State Insurance Commissioner reported that several local bond agencies had been charging a 13% premium instead of the state-mandated 12%. This practice potentially entitled clients to refunds for years of overcharging.
In Fort Myers, Florida, a bond agent was arrested on charges of embezzlement and larceny after allegedly failing to return $2,500 in premiums to a man who was never released due to an immigration hold.
In North Carolina, two women were arrested for posing as licensed agents and collecting $8,000 to secure release for a defendant. The money was never recovered.
In another North Carolina case, a woman was arrested for operating a fraudulent bond company while incarcerated herself.
In Spokane, a bond agent lost his license and shut down his business after allegedly retaining $84,000 in client collateral.
These situations highlight how important it is to verify who you are trusting with your money.
Why Scams Are Common During Arrests
Scammers understand that when someone is desperate to get out of custody, they may skip basic checks. Fake websites, misleading advertising, and high-pressure tactics are common warning signs.
Before handing over money or personal information, it’s critical to slow down and verify credentials.
How to Protect Yourself
Use the internet wisely. Check independent reviews on Google or Yelp rather than relying on testimonials posted on the agent’s own website. Look up the business on the Better Business Bureau website to see ratings, complaints, and how long they’ve been operating.
Verify licensing. Bail bond agents must be licensed by the state. License suspensions and revocations are public records. In Florida, this information is available through the state licensing division.
Confirm they have a real office. Legitimate agents operate from established offices. If someone asks you to meet at a jail, parking lot, restaurant, or private home, that is a red flag.
Know the legal premium. In Florida, the standard premium is 10% of the total bond amount, with the exception of immigration bonds. If someone asks for more, choose a different agent.
Ask to see credentials. Licensed agents are accustomed to showing proof. In Florida, they should hold a Resident Limited Surety Agent License.
Most Agents Are Honest Professionals
Despite the examples above, most bail bond agents are ethical professionals who provide a valuable service during difficult times. They understand the stress involved and take time to explain the process while working efficiently and discreetly.
A Bail Bond Agency You Can Trust
If you’ve been arrested in Central Florida and need a bail bond agent you can rely on, Mercy Bail Bonds is here to help. Our knowledgeable and caring staff will guide you through every step of the process.
Call Mercy Bail Bonds today at (727) 856-7775. We’re available 24/7 to help when you need it most.