5 Reasons your Bond Refund Is Taking Too Long
When clients come to us, one of the most common questions we hear is:
“We’re owed a refund — why is it taking so long?”
The truth is, many municipal agencies have complex internal processes that cause delays, even when the funds are legally due. Below are the most common roadblocks we’ve encountered — and how AMC helps move things forward.
1. Lack of Centralized Records
Many municipalities don’t have unified systems. Your bond paperwork might live in permitting, while the payment record lives in finance — and the refund request needs both.
✅ How we help:
Our team knows exactly who to contact, what to request, and how to bridge departments efficiently.
2. Missing Documentation
If even one form or inspection sign-off is missing, the refund can be frozen indefinitely.
✅ How we help:
We proactively track down all required documents and clear those hurdles before submission.
3. Staff Turnover or Backlogs
Agencies are often understaffed or dealing with high turnover, which slows down everything from verification to check processing.
✅ How we help:
We maintain follow-up calendars and escalate as needed to keep things moving.
4. Payment Was Posted Under a Parent or Subsidiary Entity
If the bond was posted under a different company name or DBA, the refund may get stuck due to mismatched records.
✅ How we help:
We map corporate structures and provide legal proof of ownership or relationship.
5. Agencies Require a POA — and It’s Not Filed
Many jurisdictions require a notarized Power of Attorney. Without it, they can’t talk to us or process the claim.
✅ How we help:
We handle all paperwork in advance and guide clients through a fast POA signing process.
Final Thoughts
Delays are common, but they don’t have to be permanent. With the right approach, persistence, and paperwork, most refunds can be recovered — and fast.
At AMC, we’ve helped recover bond funds that have sat unclaimed for over a decade. If you suspect you’re owed a refund, don’t wait — let’s get started.