Statute of Limitations on Debt in Nevada
How long a creditor or collector has to sue you over a debt in Nevada, and whether a payment restarts the clock.
Short answer: 6 years for an action on a contract, obligation or liability founded on a written instrument. NRS 11.190(1)(b)
| Time limit to sue on a written contract | 6 years for an action on a contract, obligation or liability founded on a written instrument. Source: NRS 11.190(1)(b) |
|---|---|
| Time limit for credit cards and open accounts | 4 years for an open account for goods sold and delivered, a store account, or a contract not founded on a written instrument. Source: NRS 11.190(2)(a)-(c) |
| Can a payment restart the clock? | Before the period expires, a payment on principal or interest restarts the period from the date of the last payment, and the period also runs from the last transaction, item charged or credit given. A written, signed acknowledgment or promise can also extend it. But once the period has expired, a payment, affirmation of the debt or other activity by the debtor does not revive it. The no-revival rule in NRS 11.200(2) was added in 2023. Source: NRS 11.200; NRS 11.390 |
Where to get help in Nevada
- Nevada Financial Institutions Division (licenses and regulates collection agencies)
- File a complaint or claim
More Nevada debt & collections
- Wage Garnishment in Nevada
- How to Respond to a Debt Collection Lawsuit in Nevada
- What Creditors Can't Take in Nevada
- Medical Debt Protections in Nevada
- All Nevada debt & collections rules
FAQ
What is the statute of limitations on debt in Nevada?
6 years for an action on a contract, obligation or liability founded on a written instrument.
How long can a creditor sue on a credit card debt in Nevada?
4 years for an open account for goods sold and delivered, a store account, or a contract not founded on a written instrument.
Does making a payment restart the statute of limitations in Nevada?
Before the period expires, a payment on principal or interest restarts the period from the date of the last payment, and the period also runs from the last transaction, item charged or credit given. A written, signed acknowledgment or promise can also extend it. But once the period has expired, a payment, affirmation of the debt or other activity by the debtor does not revive it.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.