All About Nevada's Debt Collection Laws

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Know Your Rights With These Nevada Debt Collection Laws

No matter where you live, it can be a huge hassle to deal with debt collectors. Being aware of can put you in a better place to negotiate with any debt collection agency. Each state has different rules about how long debt collectors can actually pursue a debt, as well as lawful collection methods.

When you don't know these regulations, debt collectors can easily take advantage of you! Despite what they might tell you, debt collectors often don't have the power to take you to court or jail. If you believe that you have been unfairly treated by a Nevada debt collection agency, DoNotPay can help.

Nevada Debt Collection Laws

While many are the same in each state, Nevada has some additional protections for its citizens:

Collection Practices

Nevada debt collectors are strictly barred from trying to obtain additional fees on the principal debt. Only some exceptions apply:

  • The extra charges were authorized by law enforcement or the justice system
  • The supposed debtor agrees to the charges
  • The original creditor added the charges prior to the receipt of the debt

Additionally, a Nevada debt collector cannot:

  1. Contact a debtor's employer for information about any supposed debts
  2. Lie about their intent or authority in order to collect a debt faster
  3. Send correspondence that could be mistaken for legal summons
  4. Send correspondence from an address that isn't listed on the collection agency's license

Extortion Prohibitions

According to N.R.S. § 205.322, debt collectors absolutely cannot cause a debtor to fear for their personal safety. A debtor should never feel like they will have their property damaged or be physically harmed by the collection agency.

Statute of Limitations

For verbal agreements, the statute of limitations in Nevada is four years. For written contracts, creditors and debt collectors have six years to pursue legal action against you.

Credit card debt and amounts owed to other open-ended accounts have a four-year statute of limitations. Written promises and signatures (along with anything that isn't a formally-written contract) have a three-year statute of limitations.

Does Nevada Honor the FDCPA?

Like many states, Nevada requires debt collectors to adhere to the Fair Debt Collection Practices Act. This collection of rules states that:

  • You have the right to dispute your debt within thirty days of the initial correspondence
  • Debt collectors can only contact you between 8 a.m. and 9 p.m. (based on your local timezone)
  • Debt collectors must provide accurate proof of your supposed debt
  • Debt collectors cannot repeatedly threaten or harass you about the debt
  • Debt collectors cannot use abusive language towards the debtor
  • Debt collectors cannot impersonate lawyers or other legal authorities
  • Debt collectors cannot lie about the legal repercussions of your inability to repay a debt
  • Debt collectors cannot lie about their ability to garnish wages and other monetary assets

Consequences for Violations

If a debt collector violates any part of the FDCPA, you're within your rights to sue. You'll still be responsible for repaying the debt, but you could be awarded up to $1,000 in statutory damages.

Violating the extortion law is considered a Class B felony in Nevada. If found guilty, the debt collector will have to pay a fine and potentially serve up to six years in prison.

How to Know if Nevada Debt Collection Laws Have Been Violated

Some debt collectors have no shame about calling you excessively or using obscene language to collect a debt. However, some of them also rely on the consumer's misunderstandings about the debt in order to collect what they want.

For example, say that you get a bill for a large medical debt within the statute of limitations. You may be so shocked and worried that you forget to review the accuracy of the debt.

If you're certain that you've already paid this debt, this "debt collector" could also be a scammer! To be on the safe side, you can send a debt validation letter in response. Here's how it works:

Ask for verificationAsk for verification of the exact amount owed, the agency's Nevada debt collection license, and the original creditor of the debt.
State that you need documentation of your debt.If possible, feel free to send any proof showing that you have already paid the debt.
Send your correspondence either through email or first-class mail.We recommend first-class mail because you can have a hard copy of the sent receipt.

DoNotPay Gets Justice for Any Nevada Debt Collection Law Infraction

If you're not sure whether your rights have been violated, we can help you find out! It's normal to be anxious about dealing with debt collectors, but we've developed a stress-free solution. Here's how to use DoNotPay for any debt collection problem in Nevada:

  1. Search “debt collection” on DoNotPay.

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.

DoNotPay will handle the rest! We'll either contact the debt collector on your behalf or report any violations to the CFBP. If your credit has been impacted by deceitful debt collectors, we also offer Credit Limit Increase and Clean Credit Report services.

Just like any DoNotPay product, this solution is:

  • Fast, because you can fix the problem in just one click.
  • Simple, taking all the stress out of dealing with debt collectors.
  • Effective, because DoNotPay is always on your side, regardless of how much you owe.

DoNotPay: Your Expert for All Debt Collection Laws

DoNotPay is an expert at finding debt collection violations in every state. If you need to take legal action against a debt collector, we can also help you sue anyone.

DoNotPay Is Your Ultimate Legal Resource

With DoNotPay, you never have to feel intimidated by any individual or company. We can help you get justice with take-down requests, workplace discrimination reporting, and even neighbor complaints.

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