Frequently Asked Questions

1) Is a creditor in Nevada obligated to accept payment arrangements?

In Nevada, a bill is due and payable in full at the time the services are rendered. A creditor has no obligation to take partial payments, although many creditors agree to do so as a courtesy.

2) Is a medical provider in Nevada obligated to bill insurance for a patient?

Unless the provider is contracted with an insurance carrier under an HMO or PPO plan or agrees to bill Medicaid, Medicare, or SIIS, the provider has no obligation to bill insurance for a patient. Nor does the provider have the obligation to follow up insurance billing except in those conditions. Ultimately, the patient is responsible for dealing with his or her own insurance company.

3) How many warnings do I have to give before I turn an account over for collection?

There is no legal requirement for a number of warnings. As a good business practice, we suggest that one warning be sent.

4) Can I charge collection fees and interest on my accounts?

If your customer or patient agrees, at the time of service, that collection fees and interest may be added, you may do so. Consult an attorney for the proper forms and disclosures.

5) I am a medical provider. What information can I legally share with my collection agency under HIPAA?

HIPAA allows protected health information to be shared for the purpose of securing payment for services. You may provide your collection agency with the information needed to collect the debt, but not information that is outside of the collection function. Information that the collection agency needs to file a lawsuit, for instance, may be shared under HIPAA. Consult your attorney for information on proper HIPAA forms and disclosures.

6) The person who owes me money is not in Nevada. Can you still collect for me?

Yes. Collection Service of Nevada is affiliated with licensed collection agencies worldwide and can forward your account to a reputable agency wherever your consumer resides.

7) If I assign an account, might I have to appear in court?

If there is no other way to liquidate your account, and with your permission, Collection Service of Nevada may decide to file suit to collect. Whenever we can, we handle the account without your assistance. In rare cases (less than five percent of the time), we may need a witness from your office to testify.

8) Will you put my debt on my customer's credit report?

Collection Service of Nevada allows a consumer a 90-day grace period to pay his or her account in full. After that time, we will report the debt at no extra charge to you to three national credit bureaus.