Nevada Revised Statutes
Chapter 649 - Collection Agencies
NRS 649.367 - Collection of medical debt: Conditions for acceptance of voluntary payment from medical debtor during notification period; protections for medical debtor who initiates contact with or makes voluntary payment to collection agency during...


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 specified in subsection 1 of NRS 649.366 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 specified in subsection 1 of NRS 649.366.
2. No action by a medical debtor to initiate contact with a collection agency may be construed to allow the collection agency to take action to collect the medical debt before the expiration of the 60-day notification period specified in subsection 1 of NRS 649.366.
3. 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.
(Added to NRS by 2021, 1669)

Structure Nevada Revised Statutes

Nevada Revised Statutes

Chapter 649 - Collection Agencies

NRS 649.005 - Definitions.

NRS 649.010 - "Claim" defined.

NRS 649.020 - "Collection agency" defined.

NRS 649.025 - "Collection agent" defined.

NRS 649.026 - "Commissioner" defined.

NRS 649.030 - "Customer" defined.

NRS 649.035 - "Manager" defined.

NRS 649.036 - "Medical debt" defined.

NRS 649.037 - "Medical debtor" defined.

NRS 649.038 - "Medical facility" defined.

NRS 649.039 - "Nationwide Multistate Licensing System and Registry" or "Registry" defined. [Effective on the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Na...

NRS 649.041 - "Provider of emergency medical services" defined.

NRS 649.042 - "Provider of health care" defined.

NRS 649.045 - Legislative finding and declaration.

NRS 649.051 - Administration and enforcement of chapter.

NRS 649.053 - Regulations.

NRS 649.054 - Regulations authorizing collection from location outside of Nevada; standards for trust accounts.

NRS 649.056 - Regulations prescribing methods of conducting business; investigations and examinations.

NRS 649.057 - Investigations and hearings.

NRS 649.059 - Approval of printed forms.

NRS 649.061 - Notification of results of examination; retention and destruction of examination papers.

NRS 649.065 - Records: Maintenance by Commissioner; contents; general provisions governing confidentiality and public inspection.

NRS 649.067 - Records: Certain records relating to complaint or investigation deemed confidential; certain records relating to disciplinary action deemed public records.

NRS 649.075 - License required; exception.

NRS 649.085 - Qualifications of applicant for license.

NRS 649.095 - Application for license: Contents; submission of fingerprints and financial statement; examination of applicant; withdrawal of application. [Effective until the date on which the Commissioner of Financial Institutions notifies the Gover...

NRS 649.105 - Bond or substitute security required; amount and conditions; adjustments in amount.

NRS 649.115 - Form of bond; matters covered by bond; statute of limitations for bringing action on bond.

NRS 649.119 - Deposit as substitute for bond.

NRS 649.125 - Investigation by Commissioner.

NRS 649.135 - Order approving application; findings.

NRS 649.145 - Conditions for issuance of license; contents of license.

NRS 649.155 - Order denying application; notice of denial.

NRS 649.165 - Rights of licensee.

NRS 649.167 - Branch office: Application for permit; examination of principal office; manager required on premises; regulations.

NRS 649.171 - Certificate of registration; limitations on business practices; fees; disciplinary action; regulations. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislat...

NRS 649.175 - Manager’s certificate required.

NRS 649.185 - Application.

NRS 649.196 - Qualifications of applicant; requirements for issuance; notice of refusal to issue certificate; request for hearing; withdrawal of application. [Effective until the date on which the Commissioner of Financial Institutions notifies the G...

NRS 649.205 - Examination; reexamination; regulations.

NRS 649.215 - Grounds for refusing examination or suspending or revoking certificate.

NRS 649.225 - Issuance of certificate; notice of manager’s change of residence address.

NRS 649.233 - Payment of child support: Submission of certain information by applicant; grounds for denial of license or manager’s certificate; duty of Commissioner. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requirin...

NRS 649.235 - License or manager’s certificate: Expiration; not transferable. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Nationwide M...

NRS 649.245 - icense or manager’s certificate: Renewal. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Nationwide Multistate Licensing Sy...

NRS 649.271 - Commissioner authorized to take action to participate; charges for use; regulations; provisions do not replace or affect authority of Commissioner regarding licensing and certification. [Effective on the date on which the Commissioner o...

NRS 649.273 - Submission and processing of fingerprints. [Effective on the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Nationwide Multistate Licensing Syst...

NRS 649.277 - Commissioner required to report certain information or material; confidentiality of information or material provided; Commissioner authorized to enter into certain agreements and arrangements. [Effective on the date on which the Commiss...

NRS 649.279 - Additional materials required to be submitted. [Effective on the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Nationwide Multistate Licensing...

NRS 649.281 - Holder of license or certificate required to register and maintain unique identifier; Commissioner authorized to issue license or certificate through Registry; references to Commissioner deemed references to Registry. [Effective on the...

NRS 649.295 - Amounts; deposit; regulations.

NRS 649.297 - Fee for failure to submit reports; regulations.

NRS 649.300 - Payment of assessment; cooperation with audits and examinations.

NRS 649.305 - Collection agency not to operate without manager.

NRS 649.315 - Display of license or certificate.

NRS 649.325 - Change of location of business.

NRS 649.330 - Notification of change in management or ownership of voting stock; application for licensure of replacement; investigation; costs; waiver.

NRS 649.331 - Recording of telephone conversations.

NRS 649.332 - Verification of debt.

NRS 649.334 - Written agreement required to be specific, intelligible and unambiguous; money collected required to be credited first to principal; partial collection of claim prohibited; accounting of money collected on behalf of customer.

NRS 649.3345 - Withdrawal of claim by customer.

NRS 649.335 - Retention and examinations of records and accounts.

NRS 649.345 - Annual report to Commissioner: Contents; suspension of license or manager’s certificate for false information. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the L...

NRS 649.347 - Additional annual report to Commissioner concerning collection of debts for unit-owners’ association.

NRS 649.355 - Business ethics and practices; trust accounts.

NRS 649.365 - Approval of business name required; prohibition against use of certain names, terms and forms.

NRS 649.366 - Collection of medical debt: Notification to medical debtor required before taking action to collect.

NRS 649.367 - Collection of medical debt: Conditions for acceptance of voluntary payment from medical debtor during notification period; protections for medical debtor who initiates contact with or makes voluntary payment to collection agency during...

NRS 649.368 - Collection of medical debt: Prohibited practices.

NRS 649.369 - Collection of medical debt: Protections may not be waived.

NRS 649.370 - Violation of federal Fair Debt Collection Practices Act.

NRS 649.375 - Prohibited practices generally.

NRS 649.385 - Investigation of verified complaint; verified answer; action by Commissioner after informal hearing.

NRS 649.390 - Investigation of verified complaint concerning unlicensed person; order to cease and desist; administrative fines; suit to recover fine; cumulative penalties.

NRS 649.395 - Authorized disciplinary action; grounds for disciplinary action; effect of revocation of license; orders imposing discipline deemed public records.

NRS 649.398 - Suspension of license or manager’s certificate for failure to pay child support or comply with certain subpoenas or warrants; reinstatement of license or manager’s certificate. [Effective until 2 years after the date of the repeal of 42...

NRS 649.400 - Injunctive relief.

NRS 649.435 - Criminal penalty for violations; each day of unlawful operation constitutes separate offense.

NRS 649.440 - Administrative fine for violations.