State file — Nevada
Every number below names the law it comes from (its statute citation), checked October 18, 2026. Where a number comes from a secondary source instead of the official text, this page says so — double-check it before you rely on it.
| How long they have to sue you — credit-card debt | 6 years (written contract) / 4 years (open account) · NRS 11.190(1)(b), (2)(a)-(b) From a secondary source — double-check before you rely on it Confirmed split: 6 years for a contract, obligation, or liability founded on a written instrument; 4 years for an open account for goods/work/services and for a store account — the period applied to revolving credit-card accounts. |
| If the clock has run out | Nothing restarts it. Paying, or promising in writing, after the deadline does not bring the claim back. NRS 11.200 From a secondary source — double-check before you rely on it Nevada is the outlier: since a 2023 amendment, §11.200(2) provides that a payment on a debt, affirmation of the debt, or other activity occurring AFTER the NRS 11.190 period has expired does not revive the limitation. A payment made before expiry does restart the period from the last payment/transaction date (§11.200(1)). |
| Deadline to answer a lawsuit | 21 days after being served with the summons and complaint (not 20, as older roundups say) · NRCP 12(a)(1)(A) |
| Taking your paycheck (wage garnishment) | More protective than the federal cap. Nevada exempts the greater of: 82% of disposable earnings if gross weekly pay is $770 or less (so at most 18% can be taken), 75% of disposable earnings if gross weekly pay is over $770 (at most 25% taken), or 50 times the federal minimum wage per week. NRS 21.090(1)(g); NRS 31.295 From a secondary source — double-check before you rely on it |
| Taking your bank account (a levy) | Funds in a deposit account are protected up to $2,000 — or the entire balance, whichever is less — if the bank reasonably identifies an exempt electronic deposit within the preceding 45 days; otherwise $400 is protected. The protection is an aggregate across the debtor's accounts, not per account. (A 2025 bill, SB 142, proposed raising this to $5,000; enactment was not confirmed — do not use $5,000.) NRS 21.090(1)(a); NRS 21.105 From a secondary source — double-check before you rely on it Federal benefits deposited directly get an automatic two-month shield everywhere (31 CFR Part 212). |
| Original creditor calling? | No equivalent statute found. The federal FDCPA binds third-party collectors and debt buyers in Nevada, and federal law still bans deceptive practices by the bank itself. |
| How long a judgment lasts | 6 years — Renewable by filing an 'Affidavit of Renewal of Judgment' with the clerk of the court where the judgment is entered and docketed within 90 days BEFORE it expires (and recording it within 3 days if the judgment is recorded); the debtor must be notified by certified mail within 3 days of filing. Successive renewals are permitted, each extending the judgment for another 6-year period. · NRS 11.190(1)(a); NRS 17.214 |
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Card agreements often pick another state's law (Delaware for Chase, Bank of America, Discover, Barclays; South Dakota for Citi and Wells Fargo). A court may use the shorter of the two deadlines, under a rule called a borrowing statute — the free checker works out both clocks for you.
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6 years (written contract) / 4 years (open account) under NRS 11.190(1)(b), (2)(a)-(b). The clock usually starts at the first missed payment that was never made up. Debt collectors may still call after it runs out, but Regulation F (12 CFR 1006.26(b)) bars them from suing — or threatening to sue — over a debt that is too old (time-barred).
Nothing restarts it. Paying, or promising in writing, after the deadline does not bring the claim back. (NRS 11.200).
21 days after being served with the summons and complaint (not 20, as older roundups say) (NRCP 12(a)(1)(A)). Most of these cases are lost by default — by never answering at all.
Nevada exempts the greater of: 82% of disposable earnings if gross weekly pay is $770 or less (so at most 18% can be taken), 75% of disposable earnings if gross weekly pay is over $770 (at most 25% taken), or 50 times the federal minimum wage per week. (NRS 21.090(1)(g); NRS 31.295).