Difference Between Secured and Unsecured Bonds
Few people look at their lives and assume they’ll be behind bars at some point. Yet here we are, with one-third of American adults having been arrested on felony charges at least once.
If you or a loved one find yourself in need of a bail bond, you may have an option of a secured vs unsecured bond. What does this mean and which one should you choose?
What Is a Secured Bond?
When you get a secured bond, you put up collateral to guarantee the bond. If you skip out on your future court appearances, you will lose that collateral. Think of this as a secured loan like a mortgage.
One of the most common options for a secured bond is to put up your home as collateral. You could do the same with your vehicle or other assets.
Secured loans present a lower risk to the bondsman. If you skip bail, they aren’t left on the hook for your bond amount. Of course, it transfers the risk to you because you stand to lose all your collateral.
What Is an Unsecured Bond?
Think of an unsecured bond as a loan that doesn’t have collateral, like a student loan. If you don’t appear for future court appearances, you’ll owe the full amount of your bail.
An unsecured bond has a lower risk factor for you because there is no collateral for the court or the bondsman to seize if you skip bail. Rest assured that they will come after you to collect the money, though, through collection agencies or lawsuits.
Secured vs Unsecured Bond: Choosing One for Your Case
If you or a loved one is in the midst of a court case and you need to get a bail bond, is a secured or unsecured bond the way to go? There are several pros and cons to think about for each.
Secured Bonds are Easier to Get
It should come as no surprise that your bail bondsman is more likely to give you a secured bond than an unsecured bond. An unsecured bond comes with a far higher risk factor for them.
Each bail bond agency has its own criteria. However, to get an unsecured bond, you usually need great credit and no history of skipping bail in the past. You may also need to prove that you have the finances to pay the bond if necessary, like steady employment.
Unsecured Bonds May Cost More
For anyone to take a risk on a deal, it has to give them high rewards to make up for the risk. As a result, you may pay more for an unsecured bond because it carries a higher risk for the bondsman.
Keep in mind that the fee you need to pay the bondsman is typically set by the state. In Connecticut, the maximum price is 10% of the first $5,000 and 7% for any amount above $5,000.
In other words, assume your bail is set to $20,000. You’d need to pay 10% of the first $5,000 which is $500. Then you’d pay 7% of the remaining $15,000, which is $1,050, so the total would be $1,550.
Those percentages reflect the highest amount you could pay. You may pay less, especially for a secured bond.
Secured Bonds Have a Higher Risk for You
Many people prefer unsecured bonds if they can get them because they have a lower risk factor. With a secured bond, you could lose your home or other collateral as soon as your grace period ends after you fail to appear in court.
No one wants to deal with collection agencies or lawsuits either, which could happen if you skip out on your unsecured bond. At least you wouldn’t lose the roof over your head, though.
Getting the Details
When it comes down to it, no two bail bonds are the same. The only way to know your specific options for your bail bond is to call a bail bonds agency in Bridgeport, CT.
Based on your specific circumstances, your credit history, and your collateral, they’ll give you the details of your bond options.
An Important Note: Secured and Unsecured Bond vs Secured and Unsecured Bail
As you research the topic bail bonds, it’s important not to make a common mistake. You’ll see the terms secured and unsecured bond as well as secured and unsecured bail. Do not mix up these terms.
When you’re arrested and arraigned, the judge will give you either secured or unsecured bail. If you get unsecured bail, it’s the same as being released on your own recognizance. You don’t need to put up any money to be released.
If the judge sets a specific bail amount, it means you have secured bail. In this case, putting up your bail amount is meant to incentivize you to return for your court appearances. It gives the court extra “security” beyond the thread of charging you with failure to appear in court.
There is also the possibility you won’t get any bail at all, so you need to remain in jail until your trial is over. This is typically the case with serious crimes or people with a history of “failure to appear” charges.
Secured and unsecured bond refers to the agreement you have with the bail bonds agency. These are the terms we’ve been discussing in this blog.
Getting Back Your Freedom with Secured or Unsecured Bail Bonds
Understanding the differences between a secured vs unsecured bond is only the first step. You choose the best option for you, contact our bail bonds agency in Bridgeport, CT to discuss your specific needs. To get more details you need about your case or your charges, check out our court record resources as well.
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Connecticut Bail Bonds Specialists
Bail Bonds in Connecticut are what we do best! Being arrested is not something that most people plan for. There are several violation that can result in someone being arrested.
Depending on the severity of the crime, law enforcement have no choice but to make an arrest. So you may have questions like: “How can we get them out quickly?”
Liza Davis Bail Bonds has years of experience in the bail industry and we understand the Connecticut jail system and are experts in dealing with all types of Bail Bonds.
We know that you might be afraid or uncertain about the various steps you or a loved one will go through, when being taken to jail.
Also to help you understand the process better, here is a basic outline of events that usually occur.
What You Can Expect When Arrested In Connecticut
Booking is the first step after being arrested. When a person is arrested they will be transported to the local police department for booking. Once at the local police station they will be fingerprinted, searched, photographed and finally, booked in.
The individual will be placed in a holding cell and remain there until their Connecticut Bail Bonds are posted. For there they must go before a judge to hear the charges and have the terms of their bail set.
The judge will then decide the amount of the bail bonds you’ll be required to post, in order for you to be released from jail while awaiting trial.
Release from a Connecticut Jail
Following the book-in and processing, the individual may be released on a Connecticut Bail Bonds if bonds are set by the judge. A Connecticut bail bonds may be posted 24/7. But, it is possible that some on the defendants may not be granted bond.
If this is the case then the bail bonds will result in an individual not being released from jail.
Fast Jail Release With Connecticut Bail Bonds
At Liza Davis Bail Bonds, we can arrange fast, professional and confidential Connecticut bail bonds processing to ensure your loved one or friend is released as quickly as possible.
We provide No Credit Check bail bonds and Easy Payment Plans.
Work With the Best.
Our knowledge of the legal system and the bail bonds process, will will provide you with the peace of mind every step of the way. Yet all our years of experience isn’t where the benefits of working with us end.
Liza Davis Bail Bonds is also offers free consultations, where we’ll cover all of the information you need to know in an understandable way. Addition, we offer No Credit Check bail bonds, Easy Payment Plans are available 24/7.
For all of these reasons, when you’re searching for a fast, affordable and competent Connecticut bail bonds company near you to do business with – Liza Davis Bail Bonds should be your first call. Reach us by phone at 860-818-7078 any time of the day or night.
It is important that you understand on how the Connecticut bail bonds process works, we are happy to answer any questions you may have. We’ll make available to you the information on what you can expect throughout the entire bail bonds process.
Call Us Now at 860-818-7078 – We can start the Connecticut bail bonds process right over the phone!
Preparing for a Defense
Obtaining a bail bonds services can allow you to have the reasonable time necessary to prepare for your defense..
It is difficult to make preparation for your defense while you are behind bars.
A FAST release from jail will provide you with the time necessary to prepare the defense.
Depending on the charges, it may be important to obtain a lawyer after you have been released from jail.
These services can make a big difference to the outcome of your court hearing
Obtaining bail bonds services will allow you the time you need to prepare for your defense.
Failing to get this time will only further increase the damage that the charges can do.
Here at Liza Davis Bail Bonds, we offer the most affordable bail bond services possible.
Get The Best Bail Bonds Service In The State Of Connecticut. Get Out 24/7 Call Connecticut Bail Bonds To Get Released Right Away.
The Bail Bonds Process Can Get Confusing, If You Work With The Wrong Bail Bondsman Or Try It On Your Own. This Process Does Not Have To Be Overbearing; Our Connecticut Bail Bonds Agents Are Here 24/7 To Help Make The Bail Bonds Process Quick And Easy We Are Different From Other Bail Bonds Companies Out There, Liza Davis Bail Bonds Want To Be Completely Transparent With Our Clients From The First Moment They Contact Us. All Of Our Bail Bondsmen Will Work Hard To Develop A Relationship With Our Clients That Is Built On Trust And Reliability.
Our Community Clients Always Come First
Our First Priority Is Helping Your Loved One Navigate The Bail Bonds Process So They Can Be Released. Here At Liza Davis Bail Bonds, We Believe Everyone Is Innocent Until Proven Guilty. That’s Why We’re In This Business. We Proudly Serve All Of Connecticut. We’ve Been In The Connecticut For 15 Years And We’ve Helped Our Clients Get Released From Jail With Our Affordable Bail Bonds Services.
We Love The State Of Connecticut.
Work With The Most Reliable Bail Bonds In Connecticut. Give One Of Our 24/7 Bail Bondsmen A Call Today To Learn More. 860.818.7078.
What Is Bail & How Does Bail Work?
A bail bond is the set amount that a person must pay to get themselves or someone they know out of jail.
By posting bail, a defendant will be released from jail and then may work on making his or her defense. A court judge will set the bail amount within 48 hours of the arrest. The court judge will also establish a set of conditions that will apply to the defendant’s release.
On all cases, paying bail ensures that the defendant will appear in court on the scheduled dates. The defendant must comply with this written promise and must do so from the time of their release until their court date appearance.
A defendant can post bail themselves in the form of cash. They may also arrange for a bond through a connecticut bail bonds company.
Why Choose Liza Davis Bail Bonds In Connecticut?
We Are Available 24/7
We’re available to help you out 24 hours a day, 7 days a week. That means that no matter what time of day or night your arrest takes place, we’re here to make sure that you’re bailed out and can get back to the critical tasks that you need to take care of.
Enjoy the Flexibility & Convenience with Our Bail Bonds Service
As a reliable Connecticut bail bonds company, we offer a number of convenient ways to post a bail bonds. We accommodate calls on short notice in addition to making bonds arrangements by appointments.
If you have limited mobility, at work, out of town, we also provide great alternatives. Our fillable online forms, allow our clients to post a bail bonds at the comfort of their home or office.
All of our bail bond agents maintain a high level of professionalism. We’re there to support you and are on your side throughout the whole process. We make it so that you can ask questions comfortably and put your faith in a team that truly cares about getting you your bail.
Contact a Bail Bondsman, we are in position to check to see if you have any warrants for your arrest and if so do you want to get it taken care of, we can work with you to assure you have a Bail Bondsman to get you in and out quickly.
Easy Payment Plans For Connecticut Bail Bonds
Our clientry are not restricted to just one form of bail bonds payment. The Bail Bondsman accepts all major credit cards including Cash App, Venmo, PayPal, Apple Pay or Western Union.
We make our bail bonds payment process convenient and flexible to reduce the stress and to increase the efficiency.
We offer the most economical bail prices in Connecticut. We also allow credit cards and offer easy payment plans for those who want to pay their bond fee over time. We also check to see if you have any outstanding warrants – and this is absolutely free.
Lowest Prices Allowed By The State Of Connecticut. If needed, financing is available.
Our Bail Bondsmen offers low down payments plans to make sure you or your loved one gets out of jail as soon as possible.
All our Connecticut Bail Bonds agents are professionally trained to take your call at anytime of day, on any day of the week.
Let’s make your current circumstances easier so you can get on with your life.
Areas We Serve The Entire Connecticut State.
While we have headquarters based in Middletown CT, our team offers statewide service. That means that no matter where you’re located in Connecticut, we’ll head your way and make sure that you’re assisted with the bail bonds and paperwork you require to be released.
No matter where in the great state you are being held, our bail bondsmen in Connecticut will help get you home safely and at an affordable price.
We provide bail bonds services in all Connecticut towns and counties:
Bail Bonds Experience And Expertise
With over 15 years of experience, we’re highly trained and professional in all types of bail bonds. We’ll also help you with valuable information for your case.
How To Bail Someone Out Of Jail.
Follow These Steps Below To Be Released From Jail On A Bail Bonds. It’s A Simple Process:
Have You Or Someone You Know Been Arrested In Connecticut And Booked Into Jail?, To Begin With, First Call A Bail Bondsan At 860.818.7078. Once We’re Called One Of Our Connecticut Bail Bonds Agents Will Determine Where You Or Your Loved One Is Being Detained.
Want to help? Here’s what you can do: When I Call, What Information Do You Need From Me?
The following is some information that will help us to do the bond as quickly as possible.
When you call us try to have as much of this information as possible.
Don’t worry if you don’t have all the information; We can help get it for you.
Full Legal Name of person in custody?
Social security number of defendant? (if possible) of the arrested party
Address of defendant? (if possible)
Where Are They Being Detained?
Which jail are they in? Is this jail a city, county, or correctional facility?
During Our Call To You One Of Our Connecticut Bail Bondsmen Will Gather Information About The Arrested Individual, Reason For The Arrest, Full And Legal Name And Date Of Birth. Next, The Bail Agent Will Ask Who Will Be Co-Signing And Will Discuss Payment Methods With You. Check Out Our Police Departments Or Department Of Correction Pages To Find Further Information You May Need.
What is the charge?
What is the booking number?
What is the arresting agency?
How much is the bail amount?
If An Arrest Was Made On-Sight By The Local Police Department Or State Police, The Sargent On Duty Will Set The Bail Bond Amount At The Police Station. However, If The Arrest Was Made By Warrant, The Bail Bond Amount Is Usually Already Set By The Judge. Next, A Member Of Our Bail Bond Agency Will Place A Call To The Police Department Or Jail To Find Out The Amount Of The Bail Bond.
This Is The Simplest Step.
Next, We Will Complete The Required Paperwork With You At The Jail And The Payment Can Be Made For The Bail Bonds. The Bond Out Process Usually Takes 30-45 Minutes. During That Time The Arrested Individual Will Have Their Photograph Taken, Be Fingerprinted And The Paperwork Filled Out And Signed Prior To Their Release. After Completed, Your Loved One Will Be Heading Home.
The Final Step Is Perhaps The Most Important.
The Arrested Individual Must Show Up For All Of Their Scheduled Court Dates To The Assigned Courthouse Here In CT. In The Event The Defendant Fails To Appear For Any Of The Scheduled Court Dates, The Bail Bondsman Who Posted The Bail Will Be Sent To Locate The Individual And You Will Be Arrested Again And Returned To Jail. On The Other Hand, If The Defendant Doesn’t Fail To Appear, The Bond Will Be Exonerated Once The Case Is Complete Regardless Of The Disposition.
If A Friend Or A Loved One Has Been Arrested And Is In Need Of A Bail Bondsman, Contact Our Bail Bondsman Today.
Getting Your Bail Bonds Money Back In Connecticut?
A common questions that we hear, and an excellent question to ask: when posting a bail for yourself or a loved one, do you get your bail bonds money back?
From murder bail bonds to a lesser crime, posting money for a bail bonds can get expensive. It can be a undertaking to come up with the money you need on a short notice.
When the court case ends, will you get that money back? In most cases, the person who provides the money for bail bonds may get some or all of the money back. Here’s how it works.
It will Depends On The Circumstances
A bail will be different for each arrest and each circumstance surrounding the offense. Depending on the charges and of a person’s criminal history, the bail amount and stipulations can be mild, or they can be severe.A felony arrest charge can increase the amount owed for bail. A milder charges can make the bail process simpler and lower the amount needed to get out of jail.
How you supply the bail payment also affects the terms of the bail and if you get your money back.
If you can’t obtain all of this information, No worries, we will help you acquire it. Give us a call!
If you have any further questions regarding the bail bonds process, or need to post a bail bonds, then please do
wait to either give us a call or to fill out our forms here on our website!
Our Connecticut bail bondsmen know that this is a stressful time for you, and we’ll always make sure that your needs are met with as little added stress as possible.
Contact a professional Bail Bondsman here today!
We Support You With Every Kind of Bail Bond Assistance
Our team of Bail Bondsmen writes multiple bail bonds throughout all counties in Connecticut. And, we don’t stop there either. We offer even better service by ensuring you’ve got whatever kind of bond you might need.
Services All Types Of Bail Bonds
We’ve made it so that we offer all kinds of bonds out there. That’s because we care deeply about providing you with every type of bail you might need. Each person’s situation is different and requires a different kind of assistance. With us, you know that no matter what type of bail bond you’re looking for we’ve got you covered.