$250 is your GOOD CREDIT PRICE for a Massachusetts Debt Collector Bond.  

If you are engaged a debt collector in Massachusetts you are required under chapter 93, sections 24 to 28 of the General Laws of Massachusetts to file a Massachusetts Debt Collector Bond as a condition of licensure.
Bonds Express offers a Massachusetts Debt Collector Bond with a 99% approval rate.

A surety bond protects the party requesting the bond, the Obligee, against any financial losses as a result of poor financial decisions, damages, unethical decisions, or a failure to follow state and local laws on the part of you, the Principal. The Massachusetts Debt Collector Bond holds you accountable for your business decisions.

By possessing a Massachusetts Debt Collector Bond, you are telling your Obligee that you can be trusted as a Principal and that you stand behind your business decisions.