State Debt Laws
Nevada Debt Collection Laws
Garnishment limits, exemptions, and consumer protections specific to Nevada
Nevada (NV) - At a Glance
| State Consumer Protection Law | Nevada Deceptive Trade Practices Act |
| Source | NRS ยง 598A.010 et seq. |
| Covers Original Creditors? | No - third-party collectors only |
| Max Wage Garnishment | 18% of disposable earnings (federal minimum; may be lower) |
| Bank Levy Exemption | $1,000 in bank |
| Homestead Exemption | $605,000 |
Key Protections in Nevada
- Lower wage garnishment cap (18%)
- Very high homestead exemption ($605K)
- FDCPA applies to third-party collectors
- Collection agencies must be licensed in Nevada
Wage Garnishment in Nevada
After a court judgment, creditors in Nevada can garnish up to 18% of your disposable earnings (earnings after legally required deductions). This is the federal cap - Nevada follows federal law on this limit.
Exempt from garnishment: Federal benefits (Social Security, SSI, VA benefits) cannot be garnished by private creditors regardless of state law.
File a Complaint in Nevada
If a debt collector violates the FDCPA or Nevada Deceptive Trade Practices Act:
- File with the Nevada Attorney General
- File with the CFPB
- Consult a consumer attorney (FDCPA violations = attorney fees paid by collector)