Unpaid by a broker? We help you recover.
File your bond claim and FMCSA complaint in under 5 minutes. TrueVerify pulls the broker's surety from FMCSA, walks you through the documentation, and generates a submission-ready package.
How it works
Find the bond
Enter the broker. We fetch the current surety filing from FMCSA Licensing & Insurance and pre-fill the claim with surety name, bond number, and contact details.
File the claim
Walk through the 6-step wizard: claim type, load and invoice details, documentation checklist, surety contacts, review, and package generation.
Track resolution
Log every call and email. Add status updates as the surety responds. Download a fresh PDF at any time. See your full history at a glance.
Frequently asked
01How much can I recover from a broker's bond?
A BMC-84 surety bond covers up to $75,000 total per broker — distributed across all valid claimants. BMC-85 trust funds work similarly. If multiple carriers file against the same broker, the bond can be exhausted before every claim is paid.
02How long does a bond claim take?
Sureties typically have 30 days under 49 CFR § 387.303 to investigate once they receive a complete claim package. Complex or contested claims take longer. FMCSA complaints do not directly recover money and operate on their own enforcement timeline.
03Do I need a lawyer?
For amounts under $25,000, most carriers file themselves with a complete documentation package. Above $25,000, consult an attorney — the complexity and potential litigation risk typically justify it. TrueVerify is not a law firm and does not provide legal advice.
04What documents do I absolutely need?
Signed Bill of Lading, signed Rate Confirmation, copy of the invoice sent to the broker, Proof of Delivery, a written demand letter sent after the invoice went past due, a communications log of collection attempts, and a signed affidavit of non-payment. Our wizard generates the affidavit automatically.
05Will TrueVerify file the claim for me?
No. TrueVerify walks you through the process, pulls the broker's current surety from FMCSA, generates a professional PDF package, and tracks your timeline. You sign and submit to the surety or NCCDB yourself.
06What if the broker's bond has already been exhausted?
If prior claims have drawn down the bond, you may recover nothing from the surety — but you can still file an FMCSA complaint, pursue small claims, or pursue the broker in civil court. The wizard flags when a broker has multiple recent claims filed on TrueVerify.
07Can I file against a broker that's out of business?
Yes. The surety obligation survives the broker ceasing operations; the bond is purchased from a surety company that has its own obligation. File the claim against the surety directly — do not rely on reaching the broker.
08What if the FMCSA complaint doesn't get a response?
FMCSA's NCCDB accumulates complaints over time and uses them in enforcement and authority reviews. You may not get a per-claim reply, but your filing contributes to the broker's regulatory record.
09Can I file multiple claims against the same broker?
Yes — each unpaid load is a separate claim. Document each load separately. Ten unpaid loads against one broker are ten claims, each recoverable up to the bond's remaining cap.
10Is this legal advice?
No. TrueVerify provides information, templates, and a workflow for carriers and dispatchers. For legal advice, consult a licensed attorney in your state.
Stop eating the loss.
Every day a claim sits is a day a bond can get drawn down. Start yours now and it's in a surety's hands by Monday.
Start your claim