649.332 - Verification of debt. - Nevada Statutes

649.332  Verification of debt.

      1.  To verify a debt, a collection agency shall:

      (a) Obtain or attempt to obtain from the creditor any document that is not in the possession of the collection agency and is reasonably responsive to the dispute of the debtor, if any; and

      (b) If such a document is obtained, mail the document to the debtor.

      2.  When collecting a debt on behalf of a hospital, within 5 days after the initial communication with the debtor in connection with the collection of the debt, a collection agency shall, unless the following information is included in the initial communication, send a written notice to the debtor that includes a statement indicating that:

      (a) If the debtor pays or agrees to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as:

             (1) An acknowledgment of the debt by the debtor; and

             (2) A waiver by the debtor of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and

      (b) If the debtor does not understand or has questions concerning his or her legal rights or obligations relating to the debt, the debtor should seek legal advice.

      3.  As used in this section, “hospital” has the meaning ascribed to it in NRS 449.012.

      (Added to NRS by 2007, 2500)