Bail Bond Scams — How to Protect Yourself

Common bail bond scams in Florida and how to avoid them. How to verify a bail bondsman's license and protect your money.

Verified by Licensed Bail Bond ProfessionalsLast updated: March 2026
Quick Answer: Common bail bond scams include charging more than 10%, refusing to return collateral, and unlicensed individuals posing as bondsmen. Always verify a bondsman's license at myfloridacfo.com before paying anything.

The Most Common Bail Bond Scams

1. Charging More Than 10%

Florida law (F.S. 648.44) sets the bail bond premium at exactly 10%. Any bondsman who charges more — 12%, 15%, or adds hidden "fees" — is breaking the law. The only legitimate charges beyond the 10% are actual costs incurred (like notary fees or travel).

2. Refusing to Return Collateral

Under F.S. 648.442, collateral must be returned within 21 business days of bond discharge. Some unscrupulous bondsmen delay or refuse returns. If this happens, file a complaint with the Department of Financial Services.

3. Unlicensed "Bondsmen"

Individuals without a bail bond license may offer to post bail, take your money, and disappear. Always verify the license at myfloridacfo.com.

4. Phone Scams Targeting Families

Scammers call families claiming a loved one is in jail and needs immediate bail money via wire transfer, gift cards, or cryptocurrency. Real bail bondsmen never accept gift cards or crypto.

5. "Guaranteed Release" Claims

No bondsman can guarantee release — that's determined by the jail's processing. If someone guarantees instant release, it's a red flag.

How to Verify a Florida Bail Bondsman

  1. Visit myfloridacfo.com
  2. Search the "Licensee Search" database
  3. Verify the agent's name, license number, and active status
  4. Confirm they are appointed by a surety company

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