Caldwell

I. FACTUAL AND PROCEDURAL BACKGROUND

On June 21, 2018, Caldwell was contacted by BBBB and informed that her friend D.C. had been arrested and was being held in the City of San Leandro jail. To bail her friend out, Caldwell was asked to sign several documents and provide a bail bond premium. Caldwell signed an “Unpaid Premium Agreement” (Premium Agreement) in which she became legally responsible for the bail bond premium of $5,000, representing 10 percent of D.C.’s bail. Pursuant to the Premium Agreement, Caldwell

2 agreed to make a downpayment of $500 and pay the balance due of $4,500 in $450 monthly installments until paid in full. Caldwell was also required to sign an “Indemnity Agreement for Surety Bail Bond” (Indemnity Agreement) with the North River Insurance Company (North River). That contract provided that the bail bond premium payment would be “fully earned” upon D.C.’s release from jail, and would be renewed annually until the surety was legally discharged from all liability on the bond posted. Finally, Caldwell signed an “Indemnitor/ Guarantor Check List,” which contained a series of acknowledgements, including an acknowledgment that she was responsible for making…