Nevada — Collection Agencies (NRS ch. 649) + SOL

Authority

Nevada Revised Statutes chapter 649 (Collection Agencies) — a licensing statute, not a mini-FDCPA. It imposes a state license, a compliance-manager certificate, a surety bond, and a set of prohibited practices on licensed collection agencies and their personnel; it does not reach original creditors collecting their own paper (NRS 649.020(2)(i)). Administered and enforced by the Commissioner of Financial Institutions (NRS 649.026), i.e. the Nevada Financial Institutions Division (FID) of the Department of Business and Industry; implementing regulations at NAC ch. 649. Chapter 649 has no private right of action — remedies are Commissioner discipline, administrative fines, injunction via the Commissioner or a district attorney, gross-misdemeanor prosecution, and claims against the bond.

Statute of limitations for suit on a debt: NRS 11.190 (general periods), NRS 11.200 (accrual + statutory anti-revival), NRS 11.2095 (hospital debt), NRS 104.3118 (Nevada's UCC §3-118 analog, negotiable instruments), NRS 11.020 (borrowing statute), NRS 11.300 (absence tolling), NRS 11.390 (written-acknowledgment rule).

The 2023 rewrite: most of the collections-specific content on this page was added or amended by SB 276, 2023 Statutes of Nevada ch. 534 (approved June 16, 2023; effective October 1, 2023 per §53(2)(b)). SB 276 brought debt buyers under the license, added the time-barred-suit ban in NRS 649.375(1)(j), and added the anti-revival rule in NRS 11.200(2).

Verification note: leg.state.nv.us serves the official NRS/NAC and Statutes of Nevada as plain HTML (windows-1252) and was fetched directly on 2026-08-11 — no archive fallback needed. fid.nv.gov (the regulator) was also reachable.

Operative text

Scope — who is a "collection agency" (NRS 649.020)

1. "Collection agency" means all persons engaging, directly or indirectly, and as a primary or a secondary object, business or pursuit, in the collection of or in soliciting or obtaining in any manner the payment of a claim owed or due or asserted to be owed or due to another.
2. "Collection agency" does not include any of the following unless they are conducting collection activities in a capacity other than that described in this subsection: (a) Natural persons regularly employed by an exempt entity on a regular wage or salary who, on behalf of the exempt entity, collect a claim owed to the exempt entity … (b) Banks, savings banks, credit unions, thrift companies or trust companies. … (g) Attorneys and counselors at law licensed to practice in this State, so long as they are retained by their clients to collect or to solicit or obtain payment of such clients' claims in the usual course of the practice of their profession. (h) A mortgage servicer licensed pursuant to chapter 645F of NRS, except where such a mortgage servicer is attempting to collect a claim that was assigned when the relevant loan was in default. (i) Any person collecting in his or her own name on a claim that he or she originated. (j) Any person servicing a claim that he or she originated and sold. (k) Any person or entity described in 15 U.S.C. § 1692a(6)(A) to 1692a(6)(F), inclusive.
3. "Collection agency" includes: (a) A community manager while engaged in the management of a common-interest community … and (b) A debt buyer. — Nev. Rev. Stat. §649.020 (emphasis added; subsection 3(b) added by SB 276, 2023)

"Debt buyer" means a person who is regularly engaged in the business of purchasing claims that have been charged off for the purpose of collecting such claims, including, without limitation, by personally collecting claims, hiring a third party to collect claims or hiring an attorney to engage in litigation for the purpose of collecting claims. — Nev. Rev. Stat. §649.031 (added by SB 276, 2023)

Entry gate — license required (NRS 649.075)

1. Except as otherwise provided in this section, a person shall not engage in the business of a collection agency within this State without having first applied for and obtained a license as a collection agency from the Commissioner.
2. A person engages in the business of a collection agency in this State for the purposes of subsection 1 if the person is located: (a) In this State and is seeking to collect a claim, regardless of whether the debtor resided or currently resides in this State or another state; (b) In another state and is seeking to collect a claim from a debtor that resides in this State; or (c) In another state and is seeking to collect a claim on behalf of a person or entity that resides in this State.
3. A person engaging in the business of a collection agency shall obtain a license for the office of the principal place of business of the person. A person is not required to obtain a license for a branch office or remote location.
4. A debt buyer may share a single license as a collection agency with a person affiliated with the debt buyer if the affiliated person does not engage in any collection activities other than purchasing claims. — Nev. Rev. Stat. §649.075

Bond — $35,000, scaling with trust-account balance (NRS 649.105)

1. An applicant for a license must file with the Commissioner, concurrently with the application, a bond in the sum of $35,000, or an appropriate substitute pursuant to NRS 649.119, which must run to the State of Nevada. …
2. The Commissioner shall annually determine the appropriate amount of bond or appropriate substitute which must be maintained by the licensee. If applicable, such a determination must be in accordance with the licensee's average monthly balance in the trust account maintained pursuant to NRS 649.355:

AVERAGE MONTHLY BALANCE	AMOUNT OF BOND REQUIRED
Less than $100,000	$35,000
$100,000 or more but less than $150,000	40,000
$150,000 or more but less than $200,000	50,000
$200,000 or more	60,000

— Nev. Rev. Stat. §649.105

Companion requirements — a compliance manager's certificate is mandatory:

No collection agency may operate its business without a compliance manager who holds a valid compliance manager's certificate issued under the provisions of this chapter. — Nev. Rev. Stat. §649.305(1) (see also §649.175)

The license expires December 31 each year, renewable only "on or after November 1 and on or before December 31" (NRS 649.245(1)); application fee up to $500, original license $200–$600 prorated, renewal up to $500 (NRS 649.295(1)–(2)); no action lies on the bond more than 2 years after license revocation or expiration (NRS 649.115(3)).

The regulator confirms the filing channel:

All initial license and renewal applications and applicable fees for collection agencies are submitted to the Division through the Nationwide Multistate Licensing System and Registry (NMLS) using the company form (MU-1 Form) for the principal office and the Branch form (MU3-Form) for each additional location that plans to conduct Nevada activity. — Nevada Financial Institutions Division, "Collection Agency Application Package" (fid.nv.gov), fetched 2026-08-11; statutory basis NRS 649.271–649.281

Penalty for operating without a license (NRS 649.390, 649.435, 649.440)

2. If the Commissioner determines that an unlicensed person is engaging in an activity for which a license is required pursuant to this chapter, the Commissioner shall issue and serve on the person an order to cease and desist from engaging in the activity until such time as the person obtains a license from the Commissioner.
3. If a person upon whom an order to cease and desist is served does not comply with the order within 30 days after service, the Commissioner shall, after notice and opportunity for a hearing: (a) Impose upon the person an administrative fine of $10,000; or (b) Enter into a written consent agreement with the person pursuant to which the person agrees to cease and desist from all unlicensed activity in this State relating to the collection of debts, and impose upon the person an administrative fine of not less than $5,000 and not more than $10,000. — Nev. Rev. Stat. §649.390

Any person who violates any provision of this chapter is guilty of a gross misdemeanor. Each day a person operates a collection agency in violation of the provisions of this chapter is a separate violation under this section. — Nev. Rev. Stat. §649.435

In addition to any other remedy or penalty, the Commissioner may impose an administrative fine of not more than $10,000 upon a person who: 1. Without a license or certificate, conducts any business or activity for which a license or certificate is required pursuant to the provisions of this chapter; or 2. Violates any provision of this chapter or any regulation adopted pursuant thereto. — Nev. Rev. Stat. §649.440

Prohibited practices (NRS 649.375)

1. A collection agency, or its compliance manager, agents or employees, shall not: (a) Use any device, subterfuge, pretense or deceptive means or representations to collect any claim, nor use any collection letter, demand or notice which simulates a legal process or purports to be from any local, city, county, state or government authority or attorney. (b) Collect or attempt to collect any interest, charge, fee or expense incidental to the principal obligation unless: (1) Any such interest, charge, fee or expense as authorized by law or contract or as agreed to by the parties has been added to the principal of the claim by the creditor before receipt of the item of collection; (2) Any such interest, charge, fee or expense as authorized by law or contract or as agreed to by the parties has been added to the principal of the claim by the collection agency and described as such in the first written communication with the debtor; or (3) The interest, charge, fee or expense has been judicially determined as proper and legally due from and chargeable against the debtor. … (e) Harass a debtor's employer in collecting or attempting to collect a claim, nor engage in any conduct that constitutes harassment as defined by regulations adopted by the Commissioner. (f) Advertise for sale or threaten to advertise for sale any claim as a means to enforce payment of the claim, unless acting under court order. (g) Publish or post, or cause to be published or posted, any list of debtors except for the benefit of its stockholders or membership in relation to its internal affairs. … (j) File a civil action to collect a debt when the collection agency, compliance manager, agent or employee knows or should know that the applicable limitation period for filing such an action has expired. (k) Sell an interest in a resolved claim or any personal or financial information related to the resolved claim. — Nev. Rev. Stat. §649.375 ((j) and (k) added by SB 276, 2023, eff. 2023-10-01)

Federal violations are folded in:

A violation of any provision of the federal Fair Debt Collection Practices Act, 15 U.S.C. §§ 1682 et seq., or any regulation adopted pursuant thereto, shall be deemed to be a violation of this chapter. — Nev. Rev. Stat. §649.370 (quoted verbatim; the official text reads "1682", evidently a scrivener's error for 15 U.S.C. §1692 — the FDCPA. The mis-citation is in the enacted statute, not a transcription slip on this page.)

Settlement authority is constrained in a way federal law does not touch:

3. Except with the consent of its customer, a collection agency shall not accept less than the full amount of a claim in settlement of an assigned claim.
4. This section does not apply to a debt buyer who is not also collecting claims on behalf of parties who are not affiliated with the debt buyer. — Nev. Rev. Stat. §649.334

Call-frequency cap and call-time window — none in Nevada law

Neither NRS ch. 649 nor NAC ch. 649 contains a numeric call-frequency cap or a call-time window. NRS 649.375(1)(e) delegates a harassment definition to the Commissioner, but NAC ch. 649 contains no harassment definition (verified against the full chapter, rev. 4-26). The federal floor therefore governs: Reg F 7-in-7 / 7-day post-conversation (12 CFR 1006.14(b)) and the FDCPA 8am–9pm convenient-time presumption (15 U.S.C. §1692c(a)(1)).

One Nevada-specific telephone rule does exist — a one-party-consent recording carve-out:

1. After providing notice that the telephone conversation will be recorded, a person may record any telephone call that: (a) Concerns a claim which is owed or asserted to be owed by the person; (b) Is made by a collection agency or collection agent … — Nev. Rev. Stat. §649.331

Medical debt — the 60-day pre-collection freeze (NRS 649.366–649.369, NAC 649.288–649.296)

1. Not less than 60 days before taking any action to collect a medical debt, a collection agency shall send by mail to the medical debtor written notification that sets forth: (a) The name of the medical facility, provider of health care or provider of emergency medical services that provided the goods or services for which the medical debt is owed; (b) The date on which those goods or services were provided; and (c) The principal amount of the medical debt.
2. The written notification required by subsection 1 must: (a) Identify the name of the collection agency; and (b) Inform the medical debtor that, as applicable: (1) The medical debt has been assigned to the collection agency for collection; or (2) The collection agency has otherwise obtained the medical debt for collection. — Nev. Rev. Stat. §649.366

1. Nothing in NRS 649.366 shall prohibit a collection agency from accepting a voluntary payment from a medical debtor during the 60-day notification period … provided that: (a) The medical debtor initiates the contact with the collection agency; and (b) The collection agency discloses to the medical debtor that: (1) A payment is not demanded or due; and (2) The medical debt will not be reported to any credit reporting agency during the 60-day notification period …
2. Any voluntary payment toward a medical debt that is made by a medical debtor to a collection agency in accordance with this section: (a) Does not extend the applicable statute of limitations; (b) Is not an admission of liability; and (c) Shall not be construed as a waiver of any defense to the collection of the medical debt. — Nev. Rev. Stat. §649.367

A collection agency, or its compliance manager, agents or employees, shall not, for any medical debt:

1. Take any confession of judgment or any power of attorney …
2. Commence a civil action to collect the medical debt if the amount of the medical debt, excluding interest, late fees, collection costs, attorney's fees and any other fees or costs, is less than the maximum jurisdictional amount set forth in subsection 1 of NRS 73.010. Nothing in this subsection shall be construed to prohibit the commencement of a small claims action in justice court to collect the medical debt.
3. Charge or collect a fee of more than 5 percent of the amount of the medical debt, excluding interest, late fees, collection costs, attorney's fees and any other fees or costs, as a collection fee or as an attorney's fee for the collection of the medical debt. — Nev. Rev. Stat. §649.368 (these protections "cannot be waived" — §649.369)

"Action to collect" is defined broadly by regulation, and it includes credit reporting:

1. For the purposes of NRS 649.366 and 649.367, the Commissioner interprets the term "action to collect a medical debt" to mean any attempt by a collection agency or its manager, agents or employees to collect a medical debt from a medical debtor, including, without limitation: (a) Placing telephone calls to the medical debtor. (b) Sending letters and notices, other than a 60-day notification, to the medical debtor. (c) Contacting the medical debtor by any electronic means. (d) Reporting the medical debt to any credit reporting agency. (e) Demanding payment of the medical debt. (f) Commencing any civil action against the medical debtor. — Nev. Admin. Code §649.288 (added by R055-21, eff. 6-13-2022)

NAC 649.290(2) prescribes the notice's required language, including a 12-point-bold "THIS IS NOT A DEMAND FOR PAYMENT." header and:

Any voluntary payment you make toward this medical debt during the 60-day notification period will not extend the applicable statute of limitations, is not an admission of liability and shall not be construed as a waiver of any defense to the collection of the medical debt. — Nev. Admin. Code §649.290(2)(b)

Hospital-claim disclosure — a Nevada-only SOL notice (NRS 649.332)

2. When collecting a claim on behalf of a hospital, within 5 days after the initial communication with the debtor in connection with the collection of the claim, a collection agency shall, unless the following information is included in the initial communication, send a written notice to the debtor that includes a statement indicating that: (a) If the debtor pays or agrees to pay the claim or any portion of the claim, the payment or agreement to pay: (1) May be construed as an acknowledgment of the claim by the debtor; and (2) As provided in NRS 11.200, does not constitute a waiver by the debtor of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the claim; and (b) If the debtor does not understand or has questions concerning his or her legal rights or obligations relating to the claim, the debtor should seek legal advice. — Nev. Rev. Stat. §649.332(2) (amended by SB 276 §33, 2023)

Statute of limitations — NRS 11.190

Except as otherwise provided in NRS 40.4639, 125B.050 and 217.007, actions other than those for the recovery of real property, unless further limited by specific statute, may only be commenced as follows: 1. Within 6 years: (a) … an action upon a judgment or decree of any court of the United States, or of any state or territory within the United States, or the renewal thereof. (b) An action upon a contract, obligation or liability founded upon an instrument in writing, except those mentioned in the preceding sections of this chapter. 2. Within 4 years: (a) An action on an open account for goods, wares and merchandise sold and delivered. (b) An action for any article charged on an account in a store. (c) An action upon a contract, obligation or liability not founded upon an instrument in writing. (d) … deceptive trade practice … — Nev. Rev. Stat. §11.190

Catch-all, if no listed category fits:

An action for relief, not hereinbefore provided for, must be commenced within 4 years after the cause of action shall have accrued, regardless of whether the underlying cause of action is analogous to that of any other cause of action with a statute of limitations expressly prescribed by law. — Nev. Rev. Stat. §11.220

Accrual and revival — NRS 11.200 (the load-bearing section)

1. The time in NRS 11.190 shall be deemed to date from the last transaction or the last item charged or last credit given; and whenever any payment on principal or interest has been or shall be made upon an existing contract, whether it be a bill of exchange, promissory note or other evidence of indebtedness if such payment be made after the same shall have become due, the limitation shall commence from the time the last payment was made.
2. Notwithstanding any other provision of law, any payment on a debt, affirmation of a debt or other activity taken relating to a debt by a debtor after the time in NRS 11.190 has expired does not revive the applicable limitation. — Nev. Rev. Stat. §11.200 (subsection 2 added by SB 276 §41, 2023, eff. 2023-10-01)

Written acknowledgment:

No acknowledgment or promise shall be sufficient evidence of a new or continuing contract whereby to take the case out of the operation of this chapter, unless the same be contained in some writing signed by the party to be charged thereby, except as provided in NRS 11.200. — Nev. Rev. Stat. §11.390 (the "except as provided in NRS 11.200" cross-reference was the pre-existing text; NRS 11.200(2) now overrides post-expiry acknowledgment entirely)

Mutual open accounts accrue from the last item on either side:

In an action brought to recover a balance due upon a mutual, open and current account, where there have been reciprocal demands between the parties, the cause of action shall be deemed to have accrued from the time of the last item proved in the account on either side. — Nev. Rev. Stat. §11.210

Hospital debt — a 4-year special-category SOL with its own accrual and tolling (NRS 11.2095)

1. Except as otherwise provided in this section, an action against a person to recover payment for any amount owed to a hospital for hospital care provided to the person at the hospital must be commenced not later than 4 years after the date on which any payment that is due for the services is not paid.
2. The period provided in subsection 1 is tolled during any periods in which the hospital is awaiting a determination concerning eligibility for, or the amount of, benefits from an insurer or public program and during any periods in which payments are being made.
3. As used in this section, "hospital care" has the meaning ascribed to it in NRS 428.155. — Nev. Rev. Stat. §11.2095

This is the "unless further limited by specific statute" carve-out that NRS 11.190's opener anticipates.

Negotiable instruments — NRS 104.3118 (Nevada's UCC §3-118)

1. Except as otherwise provided in subsection 5, an action to enforce the obligation of a party to pay a note payable at a definite time must be commenced within 6 years after the due date or dates stated in the note or, if a due date is accelerated, within 6 years after the accelerated due date.
2. Except as otherwise provided in subsection 4 or 5, if demand for payment is made to the maker of a note payable on demand, an action to enforce the obligation of a party to pay the note must be commenced within 6 years after the demand. If no demand for payment is made to the maker, an action to enforce the note is barred if neither principal nor interest on the note has been paid for a continuous period of 10 years. …
3. Unless governed by other law regarding claims for indemnity or contribution, an action for conversion of an instrument, for money had and received, or like action based on conversion, for breach of warranty, or to enforce an obligation, duty or right arising under this article and not governed by this section must be commenced within 3 years after the cause of action accrues. — Nev. Rev. Stat. §104.3118

Tolling and the borrowing statute

If, when the cause of action shall accrue against a person, the person is out of the State, the action may be commenced within the time herein limited after the person's return to the State; and if after the cause of action shall have accrued the person departs from the State, the time of the absence shall not be part of the time prescribed for the commencement of the action. — Nev. Rev. Stat. §11.300

When a cause of action has arisen in another state, or in a foreign country, and by the laws thereof an action thereon cannot there be maintained against a person by reason of the lapse of time, an action thereon shall not be maintained against the person in this State, except in favor of a citizen thereof who has held the cause of action from the time it accrued. — Nev. Rev. Stat. §11.020

Credit-card classification — the live question (LABELED: no statutory or judicial pin cite located)

The statute never says "credit card." The competing buckets are NRS 11.190(1)(b) (6 years, "instrument in writing") and NRS 11.190(2)(a)/(b) (4 years, "open account for goods, wares and merchandise sold and delivered" / "any article charged on an account in a store").

The only official Nevada source located that answers the question directly is the Legislative Counsel Bureau Research Division's constituent-services FAQ:

Is there a statute of limitations for credit card and hospital debt? The statute of limitations in Nevada for credit card debt is six years under NRS 11.190. For hospital debts, the statute of limitations in Nevada is four years under NRS 11.2095. After the statute of limitation has expired, the debt may be considered time-barred debt under certain circumstances, and the debt collector may not be successful in suing you to collect the debt. — Nevada Legislature, Legislative Counsel Bureau Research Division, Constituent Services Unit FAQ (leg.state.nv.us), fetched 2026-08-11

This is a legislative-staff constituent publication on an official state site — it is not statutory text and not a judicial holding, and it does not bind a Nevada court. No published Nevada Supreme Court or Court of Appeals decision classifying revolving credit-card debt under NRS 11.190 was located in this pass. See Traps below.

Enforcement path outside ch. 649 — deceptive trade practices

NRS ch. 649 gives no private right of action. Nevada's deceptive-trade-practice statute may reach the same conduct:

1. A person engages in a "deceptive trade practice" when in the course of his or her business or occupation he or she knowingly: (a) Conducts the business or occupation without all required state, county or city licenses. … (c) Violates a state or federal statute or regulation relating to the sale or lease of goods or services. (d) Uses coercion, duress or intimidation in a transaction. (e) Uses an unconscionable practice in a transaction. — Nev. Rev. Stat. §598.0923

1. An action may be brought by any person who is a victim of consumer fraud.
2. As used in this section, "consumer fraud" means: … (e) A deceptive trade practice as defined in NRS 598.0915 to 598.0925, inclusive …
3. If the claimant is the prevailing party, the court shall award the claimant: (a) Any damages that the claimant has sustained; (b) Any equitable relief that the court deems appropriate; and (c) The claimant's costs in the action and reasonable attorney's fees. — Nev. Rev. Stat. §41.600

AG enforcement carries a civil penalty of up to $10,000 per violation of a court order/injunction and up to $15,000 per willful deceptive trade practice (NRS 598.0999(1)–(2)), and:

There is no limitation on the time in which an action brought by the Attorney General against a person alleged to have committed a deceptive trade practice in violation of NRS 598.0903 to 598.0999, inclusive, other than a deceptive trade practice of the type described in NRS 598.09235, may be commenced. — Nev. Rev. Stat. §11.245

Plain English

Interpretation — the quotes above win on any conflict.

• Nevada is a license state, and the license is broad in reach: you need it if you sit in Nevada collecting anyone's debt anywhere, or if you sit outside Nevada and collect from a Nevada resident, or if you sit outside Nevada and collect for a Nevada-resident client (NRS 649.075(2)). The gate is a $35,000 bond (up to $60,000 by trust-account balance), a compliance manager's certificate, and an NMLS filing. License renews annually in a November 1 – December 31 window and dies on December 31 if you miss it.
• Original creditors are OUT of scope. NRS 649.020(2)(i)–(j) excludes anyone collecting in their own name on a claim they originated, and anyone servicing a claim they originated and sold. Chapter 649's prohibited practices bind "a collection agency, or its compliance manager, agents or employees" — so first-party creditors get no state-law overlay here (contrast Texas and California, whose acts reach creditors).
• Debt buyers are IN scope since 2023-10-01. SB 276 wrote debt buyers into the definition of "collection agency" (NRS 649.020(3)(b)), so a buyer collecting Nevada paper — even through a third-party agency or an attorney — needs its own Nevada license, with a narrow shared-license option for a purchase-only affiliate.
• No Nevada call-frequency cap, no Nevada call-time window. Reg F's 7-in-7 and the FDCPA's 8am–9pm rule are the operative limits. Nevada also folds any FDCPA violation into a chapter 649 violation (NRS 649.370), which converts a federal foul into state license exposure.
• SOL: 6 years written, 4 years oral, 4 years open account for goods sold and delivered, 6 years on notes. Hospital debt gets its own 4-year clock with its own accrual and tolling (NRS 11.2095).
• Revival in Nevada is asymmetric, and that asymmetry is statutory. Before expiry, a payment on principal or interest made after the debt is due restarts the clock from that payment (NRS 11.200(1)) — Nevada is one of the states where partial-payment revival is written into the statute rather than case law. After expiry, nothing revives it: payment, affirmation, or "other activity taken relating to a debt" all fail (NRS 11.200(2), eff. 2023-10-01). A signed written acknowledgment can extend a live claim (NRS 11.390) but cannot resurrect a dead one.
• Suing on time-barred debt is a licensing violation, not just a defense. NRS 649.375(1)(j) bars filing when the agency "knows or should know" the period expired — a knew-or-should-have-known standard, so a stale-SOL suit is a per-se chapter 649 violation carrying a gross misdemeanor and up to a $10,000 administrative fine. There is, however, no general time-barred-debt disclosure requirement in Nevada — no scripted notice like Texas §392.307(e) or California Civ. Code §1788.14(d).
• Medical debt is the most operationally distinctive part of Nevada law. A licensed agency must sit on a medical debt for 60 days after mailing a prescribed non-demand notice — and "action to collect" expressly includes credit reporting (NAC 649.288(1)(d)). During those 60 days the consumer can pay voluntarily only on their own initiative, and that payment does not extend the SOL. Collection fees on medical debt are capped at 5%, and suit is barred below the NRS 73.010 justice-court threshold except as a small-claims action.
• Hospital claims carry a 5-day SOL disclosure. NRS 649.332(2) requires the agency to tell the debtor, within 5 days of first contact, that paying may be an acknowledgment but does not waive the NRS 11.190 limitations defense.

Traps / edge cases

• The credit-card bucket is genuinely unsettled, and this page will not pretend otherwise. The Legislature's own research staff publish "six years"; the statutory text that most naturally fits an unsigned revolving account is the 4-year open-account/store-account language. There is no Nevada appellate holding located either way. Practical exposure runs in both directions: relying on 6 years risks a NRS 649.375(1)(j) "should have known" violation if a court applies 4; relying on 4 waives collectible claims. Treat any NV account between the 4-year and 6-year marks as attorney-review, and do not let a tool assert a single number in that band.
• NRS 11.200(1) makes pre-expiry partial payment a clock-restart by statute — the opposite of the trap collectors carry over from anti-revival states. Nevada re-ages on payment right up until the moment it expires, then never again. A calculator that models "payment never re-ages" (the Texas debt-buyer rule) will under-state Nevada, and one that models "payment always re-ages" will over-state it after expiry.
• NRS 11.200(2) says "any … other activity taken relating to a debt by a debtor." That is broader than payment or acknowledgment and has no Nevada gloss yet; do not build logic that re-ages a post-expiry NV account on any debtor-side event.
• NRS 11.200(2) applies "notwithstanding any other provision of law," but SB 276 §50(2) provides that "the amendatory provisions of this act do not apply to an action or arbitration commenced or a judgment entered before October 1, 2023." Pre-October-2023 filings sit under the old regime.
• The 60-day medical freeze bites before any FDCPA clock. NAC 649.290(3) says the 60-day notification "is not intended to constitute a communication under the federal Fair Debt Collection Practices Act" — so it does not start the §1692g validation window, and the agency still owes the validation notice when real collection begins. Sending a Reg F validation notice as the 60-day letter would be an "action to collect" during the freeze.
• Credit reporting is an "action to collect" for medical debt (NAC 649.288(1)(d)). Furnishing a Nevada medical tradeline inside the 60 days is a chapter 649 violation even if no call or letter ever goes out.
• NRS 649.334(3) bans settling an assigned claim for less than the full amount without customer consent — a state-law constraint on settlement authority with no federal analog. It does not apply to a pure debt buyer collecting only its own purchased paper (§649.334(5)).
• Licensure reaches out-of-state agencies collecting for Nevada-resident clients (NRS 649.075(2)(c)), not only those collecting from Nevada debtors. A collector working non-Nevada debtors for a Las Vegas client still needs the license.
• NRS 649.370 imports the FDCPA wholesale. Any Reg F / FDCPA slip is simultaneously a Nevada licensing violation exposed to a $10,000 administrative fine and gross-misdemeanor liability — a materially higher consequence than the federal $1,000 statutory-damage cap.
• NRS 11.300 tolling is written broadly ("the time of the absence shall not be part of the time prescribed"). As in Texas, treat absence tolling as attorney-review rather than automatic calculator arithmetic; no Nevada narrowing authority was checked in this pass.
• NRS 649.375(1)(e) delegates a harassment definition to the Commissioner that the Commissioner has never adopted — NAC ch. 649 contains no harassment definition. The prohibition's second clause is therefore currently empty; the first clause (harassing a debtor's employer) stands on its own.

Related

• ../federal/fdcpa/overview.md
• ../federal/reg-f/call-frequency.md
• ../federal/reg-f/time-barred-debt.md
• ./tx.md · ./ca.md · ./ny.md · ./fl.md · ./ma.md · ./_matrix.md