NV Judgment Collection

How to Collect Your Judgment in Nevada

You already won. Here's how to actually get paid — debtor's exam, wage garnishment, bank levies, and property liens, with the exact Nevada forms and deadlines.

6 years (renewable)

Judgment good for

Prime rate at the largest bank in Nevada (per the Commissioner of Financial Institutions, on the Jan 1 or Jul 1 preceding the judgment) PLUS 2%. Current rate: 8.75% (prime 6.75% + 2%) for Jan 1 – Jun 30, 2026.

Interest accrues at

Available

Wage garnishment

6 yrs

Property lien

Your collection options in Nevada

Work them roughly in this order — find the assets first, then go after them.

Find the money — debtor's asset exam

Compels the debtor to disclose, under oath, where they bank, work, and what they own — the information every other step depends on.

Creditor files a Motion/Application for Examination of Judgment Debtor; the court orders the debtor to appear and testify under oath about finances, and may be ordered to bring bank statements, tax returns, etc. (NRS 21.270).

Garnish wages

Form Writ of Garnishment (Earnings)

Diverts part of the debtor's paycheck to you — up to Lesser of: 18% of disposable earnings if gross weekly pay was $770 or less, OR 25% of disposable earnings if gross weekly pay exceeded $770; OR the amount by which weekly disposable earnings exceed 50x the federal minimum wage — whichever is less.

Wage garnishment writ is good for 180 days (continuing) once served on the employer. Bank/cash attachments are one-time. NRS 31.295.

Filed with: Justice court or district court that entered the judgment; a Writ of Execution is obtained first, then the Writ of Garnishment is served on the employer

Levy the bank account

Form Writ of Execution; Writ of Garnishment

Freezes and pulls non-exempt funds straight from the debtor's bank account.

Creditor files a Writ of Execution (~$25 court filing fee), then has a Writ of Garnishment served on the bank by a constable/sheriff (typical service fee ~$30 + mileage). For cash/bank, it is a one-time levy up to the judgment amount.

Lien their real estate

Attaches to property the debtor owns for 6 years — you get paid when they sell or refinance. The cheap, passive backstop.

Creditor obtains an Abstract of Judgment from the court and records a certified copy with the county Recorder in the county where the real property is located, creating a lien on the debtor's real estate there.

The fine print that matters in Nevada

How long your judgment lasts

A Nevada judgment is enforceable for 6 years (NRS 11.190(1)(a)). It is renewed by filing an Affidavit of Renewal with the clerk of the court within 90 days BEFORE the judgment expires, recording it (for liens), and mailing a copy to the debtor by certified mail within 3 days (NRS 17.214). Renewal extends the judgment another 6 years; successive renewals are allowed.

Interest while you wait

NRS 17.130 (judgments) and NRS 99.040 (contracts); both = NV-prime + 2%, adjusted every Jan 1 and Jul 1. Current 8.75% per official Washoe County District Court schedule. Sources: https://www.leg.state.nv.us/nrs/nrs-017.html ; https://www.washoecourts.com/TopRequests/InterestRates

What the debtor can protect (exemptions)

Wage exemption is the greater protection of the tiered % (18%/25%) or 50x FMW. Nevada homestead exemption and personal-property exemptions under NRS 21.090 apply. Renewing the judgment is required to keep a recorded lien alive past 6 years.

Nevada gotchas

Nevada's judgment life is only 6 years and MUST be renewed by affidavit filed in the 90-day window before expiration (NRS 17.214) — miss it and the judgment lapses. The wage cap is unusually tiered (18% vs 25%) based on a $770 gross-weekly-pay threshold, not a flat 25%. A Writ of Execution is needed before a Writ of Garnishment can issue; constable/sheriff service fees (~$25 filing + ~$30 service + mileage) apply.

Let us prepare your Nevada collection paperwork

We prepare your Nevada-specific enforcement forms — debtor's exam, garnishment, levy, or lien — plus a plain-English playbook telling you exactly where to file and what each step costs. You file them; we never charge a cut of what you collect.

$299

flat — plus the court/sheriff's own filing fees, paid directly

Collection firms take 33–50% of what they recover. On a $4,000 judgment that's $1,300–$2,000. Our flat fee keeps the rest in your pocket.

Nevada Judgment Collection FAQ

How long do I have to collect a judgment in Nevada?

A Nevada judgment is enforceable for 6 years, and can be renewed before it expires. A Nevada judgment is enforceable for 6 years (NRS 11.190(1)(a)). It is renewed by filing an Affidavit of Renewal with the clerk of the court within 90 days BEFORE the judgment expires, recording it (for liens), and mailing a copy to the debtor by certified mail within 3 days (NRS 17.214). Renewal extends the judgment another 6 years; successive renewals are allowed.

Can I garnish the debtor's wages in Nevada?

Yes. Garnishment in Nevada can reach Lesser of: 18% of disposable earnings if gross weekly pay was $770 or less, OR 25% of disposable earnings if gross weekly pay exceeded $770; OR the amount by which weekly disposable earnings exceed 50x the federal minimum wage — whichever is less. Exemptions: Minimum exempt amount = 50x the federal minimum wage per week. Tiered cap (18% vs 25%) keyed to the $770 gross-weekly threshold under NRS 31.295. Support orders allow 50–65%.

How do I find out where the debtor banks or works?

Through Examination of Judgment Debtor — the court orders the debtor to appear and disclose their assets under oath. Creditor files a Motion/Application for Examination of Judgment Debtor; the court orders the debtor to appear and testify under oath about finances, and may be ordered to bring bank statements, tax returns, etc. (NRS 21.270).

Can I put a lien on the debtor's house in Nevada?

What does it cost to collect, and what do you charge?

You pay the court and sheriff their own filing/levy fees directly (usually modest, and recoverable from the debtor). Our Judgment Collection service is a flat $299 — we prepare your Nevada-specific enforcement forms and a step-by-step filing playbook; you file them. Compared with collection firms that take 33–50% of what they recover, that's hundreds to thousands less on a typical judgment.

What if the debtor genuinely has no money?

Some debtors are "judgment-proof" — no job, no bank account, no equity — and no tool can squeeze money that isn't there. The honest play is the debtor's exam to confirm what exists, then keep the judgment alive (it lasts 6 years and is renewable) and try again when their situation changes. We give you the tools, not a guaranteed payout.

Collecting a judgment by county in Nevada

Where you file your garnishment or levy depends on the counties.

All 17 counties in Nevada

Carson City Churchill County Clark County Douglas County Elko County Esmeralda County Eureka County Humboldt County Lander County Lincoln County Lyon County Mineral County Nye County Pershing County Storey County Washoe County White Pine County

Official Nevada sources

This page is general information about collecting a money judgment in Nevada, not legal advice. Forms, fees, and procedures change and vary by court — confirm the current requirements with the court that entered your judgment before filing.

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