Pay for Delete Letter in Nevada

An offer to pay a collection account in exchange for the collector asking the credit bureaus to remove it. Collectors are not required to agree; get any agreement in writing before you pay, and check your state's rules on whether a payment restarts the time limit to sue (below).

What Nevada law says

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
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

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)

Fill it in

Nothing you type leaves your browser. Replace anything still highlighted, and keep a signed copy.

[today's date]

To: [collection agency name and address]

Re: Account [account number]

I am willing to pay $[amount offered] to resolve this account in full, on the condition that you ask each credit bureau to remove the account from my credit reports.

If you agree, please confirm these terms in writing on your letterhead before I send payment.

This letter is not an acknowledgment that I owe the debt.

[your name], [your address]

Pay for Delete Letter for other states · Nevada tenant rights

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.