About Us
Cumberland Bail Bonds: No Judgment — We Just Get You Home
Arrested and need help fast? We’re here for you—no questions, no judgment.
Since 1991, our family-owned team has helped thousands across Middle & East Tennessee get home quickly, quietly, affordably—no matter the situation.
You only pay 10% of the bail amount—no hidden fees, no surprises, no judgment.
Local agents available 24/7—including weekends & holidays. We know your county’s jails, judges & courts for faster release.
Why Tennessee Families Choose Us
- No judgment ever—we help everyone
- Real people 24/7—no call centers, local agents answer
- Only 10% down—clear pricing, no extras
- We know your county—agents serving 17 Middle & East TN counties
- Since 1991—family-owned, thousands helped
Local agents across 17 Middle & East Tennessee counties.
Here when it matters most—day or night.
Bail Terms You Should Know (Explained Simply)
Navigating bail can feel overwhelming, especially in a stressful moment. We're here to break it down in plain English—no jargon, just the facts to help you feel more in control.
Click the image for a larger view • Quick visual overview: How the bail process typically works in Tennessee.
Bail
This is the amount of money the court sets to let someone out of jail while waiting for their court dates. Think of it as a promise: "I'll show up when I'm supposed to." If they do, the bail is usually returned (minus any fees).
Bail Bond
Most people can't pay the full bail upfront, and that's okay. A bail bond is a guarantee from a licensed bail bond company to the court on behalf of the person in custody. It gets them released without paying the entire amount right away—we handle the paperwork and promise to the court for you.
Premium
This is the fee you pay us for our help—it's non-refundable and covers our service. In Tennessee, it's typically 10% of the total bail amount (e.g., $1,000 for a $10,000 bail). Once your loved one is safely released, that fee is earned—no matter how the case turns out. We keep it simple and transparent.
Collateral
Sometimes we ask for something of value (like a car title, property, or jewelry) to help secure the bond. It's like a safety net—if everything goes smoothly and your loved one shows up to court, you get it back in full once the bond is closed. We only use it when needed and always explain why upfront.
Indemnitor / Guarantor
This is usually a caring friend or family member who signs with us to help get the person out. You're basically saying, "I'll make sure they show up." If they miss court, you might be responsible for helping bring them back or covering related costs—but we work hard to prevent that and guide you every step.
Exoneration
This is the good news moment: The court officially releases the bail bond obligation. It happens when the case ends (dismissed, resolved, or after sentencing), or sometimes earlier if conditions are met. Once exonerated, you're free from responsibility, and any collateral is returned. It's the "all clear" we all hope for.
Still have questions? We're just a call away—day or night—and happy to walk you through it personally. You're not alone in this.
One call does it all — let's get your loved one home fast.
What is a bail bond?
A bail bond (also called a surety bond) is a financial guarantee to the court ensuring that the defendant will appear at all required court dates. If the defendant fails to appear, a warrant may be issued and the bond can be forfeited.
How much does a bail bond cost?
The cost of a bail bond is typically 10% of the full bail amount, and this fee is non-refundable. For example, if bail is set at $1,000, you or someone acting on your behalf will pay $100 to the bail agent. This rate is regulated by the Department of Insurance and local courts.
Is the bond premium refundable?
No. Once a bail bond is posted and accepted by a court or jail, the premium is fully earned. It is non-refundable, even if charges are later dropped or the defendant is released.
Who is responsible for the bond?
The Indemnitor—also known as the co-signer—is financially responsible for the full amount of the bond if the defendant fails to appear in court. This means the indemnitor may be liable for the entire face value of the bond.
How long is a bail bond valid?
The bond remains active until the case is resolved, either by dismissal, plea, or court judgment. Once the court proceedings conclude, the bond is discharged—even if the defendant is found guilty.
When does the bail bond process end?
The bond ends when the defendant appears at all required court dates and the case concludes. At that point, the court releases the bail obligation, and the bond is terminated.
What is a bail hearing?
A bail hearing is held shortly after arrest. It determines whether the defendant will be released from jail before trial and under what conditions. A judge will assess the flight risk, nature of the charges, and any prior record. In some cases, bail may be denied.
Where can I get a bail bond?
You can contact a licensed bail agent who will confidentially review your case and walk you through the process. Most agents are experienced in working quickly and discreetly.
What are your hours of operation?
Because arrests happen around the clock, most bail bond agencies operate 24/7, 365 days a year.
Our home office Hours are:
8-5 Eastern Standard Time.
What forms of payment do you accept?
We accept cash and all major credit cards, including Visa, Mastercard, Discover, and American Express.