Texas application
Apply for your Texas debt collection with Cornerstone Licensing
Apply online for your Texas debt collection with Cornerstone Licensing. Texas requirements and timelines up front, then start your application in minutes.
Direct answer
Do I need a debt collection license in Texas?
Yes, Texas requires a debt collection license. Comprehensive guide to debt collection licensing requirements, regulations, and filing obligations in Texas. Learn about licensing fees, bond requirements, key statutes, and regulatory bodies governing third-party debt collectors in Texas. The state requires a $10,000 surety bond, which Cornerstone Licensing places in-house as part of the application.
Quick answers for Texas
- Do I need a license to operate a debt collection business in Texas?
- Yes. Comprehensive guide to debt collection licensing requirements, regulations, and filing obligations in Texas. Learn about licensing fees, bond requirements, key statutes, and regulatory bodies governing third-party debt collectors in Texas.
- Is a surety bond required?
- Bond required: $10,000.
- How long does it take?
- Typical end-to-end: 10 to 21 weeks. Our team works ahead of every preconditional step (entity, fingerprints, bond) so the application opens on day one.
- What about renewals?
- Renews annually.
Texas debt collection requirements at a glance
Application process
To obtain a debt collection license in Texas, applicants generally need to submit a completed application to the Texas Secretary of State, provide a surety bond of $10,000, pass background checks for all control persons, and meet net worth or financial requirements. The application review typically takes 30-90 days.
Renewal requirements
Debt collection licenses in Texas generally require annual renewal. Renewal generally involves submission of a renewal application, payment of renewal fees, updated surety bond confirmation, and any required annual reports. Late renewals may incur additional penalties.
Regulator: Texas Secretary of State
How Cornerstone Licensing handles your Texas debt collection license
You do not chase the state. We run the full application end to end and keep you posted at each step.
- We prepare your entity documents and every Texas state filing, then submit and track the file through approval.
- We place your $10,000 Texas surety bond in-house, so bonding never becomes a separate errand.
- We sequence the work so the application opens on day one; Texas filings typically run 10 to 21 weeks end to end.
- We monitor your Texas renewal calendar and file each renewal on time, every cycle.
- Government filing fees are billed at cost with no markup, and we quote our service fee up front.
Start your Texas application
The wizard below pre-selects Texas so you can move straight to license type, ownership, and timing. Save and resume from any device.
Applying for a Texas debt collection license: FAQ
- How do I apply for a debt collection license in Texas?
- Start your application on this page. Cornerstone Licensing prepares your entity documents and state filings, places any required surety bond, and submits your file to Texas Secretary of State, then tracks it through approval.
- Can you place my Texas surety bond?
- Yes. We place your $10,000 Texas surety bond in-house as part of the application, so bonding never holds up your file.
- How soon can I start?
- Right now. The application below pre-selects Texas, and you can save your progress and resume from any device.
- What does it cost?
- Government filing fees are set by Texas Secretary of State and billed at cost with no markup. We quote our service fee up front once we scope your application, so there are no surprise charges.
Keep exploring Texas debt collection licensing
Read the deep regulatory write-up, compare every state, or line up the bond and coverage that go with the license.