Nevada Debt Collection Laws: Your Complete Protection Guide
Nevada and federal laws give you strong protection against abusive debt collectors. You have the right to stop harassment, verify debts, and use the statute of limitations as a defense. Settlement can resolve debts for 60% or less of what you owe.
Respond to CollectorsDebt collectors are hounding you. Your phone rings constantly. You feel stressed and anxious.
You have powerful legal protections in Nevada. Both state and federal laws protect you from unfair debt collection practices.
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Answer Your LawsuitHere’s everything you need to know about your rights.
Nevada State Law Protects You From Debt Collectors
Nevada Revised Statutes 649.375 bans specific debt collection practices. Collection agencies, managers, agents, and employees cannot:
- Use deceptive tactics or send letters that look like government documents
- Collect interest or fees beyond the principal debt without authorization
- Assign claims without written consent from you and the Commissioner
- Operate from unlicensed locations
- Harass your employer or engage in harassing conduct
- Threaten to advertise your debt publicly
- Publish lists of debtors publicly
- Run debt counseling services while also collecting debts
Nevada law gives you extra power. Any violation of NRS § 649.370 also counts as a federal FDCPA violation.
That means collectors face double the legal consequences.
Federal Law Adds More Protection
The Fair Debt Collection Practices Act (FDCPA) regulates debt collectors nationwide. You get protection from abuse, harassment, and unfair treatment.
Debt collectors cannot:
- Call before 8 a.m. or after 9 p.m.
- Use profanity, threats, or abusive language
- Pursue debt you don’t actually owe
- Use misleading or deceptive tactics
- Refuse to verify your debt when you request proof
The FDCPA gives you financial power. You can sue collectors who break the law.
You can recover up to $1,000 in damages without proving actual harm. Courts can also order injunctive relief to stop collection activities completely.
The CFPB Debt Collection Rule Strengthens Your Rights
The Consumer Financial Protection Bureau added more protections in 2021. The Debt Collection Rule limits how collectors can contact you.
Collectors cannot call more than seven times in seven days. They must wait seven days after talking to you on the phone.
Social Media Contact Rules
Debt collectors must follow strict rules on social media. Messages must stay private from your friends and followers.
Collectors must identify themselves as debt collectors upfront. Friend requests must clearly state their collection purpose.
Every social media message must include an opt-out option. You control how collectors reach you.
Nevada’s Statute of Limitations Is Your Shield
Nevada limits how long collectors can sue you for debt. After the deadline passes, you have a powerful defense.
Credit card debt has a four-year limit. Most other debts have six years.
| Debt Type | Time Limit |
|---|---|
| Credit Card | 4 years |
| Medical Bills | 6 years |
| Auto Loan | 6 years |
| Student Loan | 6 years |
| Mortgage | 6 years |
| Oral Contract | 6 years |
| Judgment | 6 years |
| Source: Nev. Rev. Stat. § 11.190 | |
The clock typically starts from your last account action. Check your records to see if the deadline passed.
You must raise this defense yourself. Judges won’t check dates automatically. If you’re being sued for time-barred debt, our partner Solo can help you respond with this defense.
Settle Your Debt for Less Than You Owe
Settling debt stops collection calls for good. You can often negotiate steep discounts.
Creditors typically accept 60% or more of the total debt. You pay a lump sum and they release the remaining balance.
Settlement helps you avoid court judgments and wage garnishment. You save money and move forward with your life.
Get Settlement Terms in Writing
Never settle without written documentation. Get the agreement signed before your court date.
Professional help makes settlement easier and more successful. The right partner handles negotiations and documentation for you.
Settlement protects your financial privacy. You control the terms and avoid public court records.
Know Your Rights and Use Them
Nevada gives you strong legal protections against abusive collectors. Federal law adds another layer of security.
State law bans deceptive practices and harassment. The FDCPA limits contact times and abusive language.
The CFPB rules control communication frequency and social media contact. Nevada’s statute of limitations can get lawsuits dismissed.
Debt settlement offers you a fresh start. You can resolve debts for less than the full amount.
You have power in these situations. Use your legal rights to stop unfair collection practices.