Our Debt Collection Services
Six specialized recovery services built around Nevada law and your industry's compliance requirements.
Specialized Recovery — Not Generalist Collections
Different debt types operate under different rules. Medical debt has SB 248 and HIPAA. Commercial B2B debt is generally not covered by the FDCPA (though sole proprietors and personal guarantors may retain consumer protections). Judgment recovery has Nevada-specific procedural requirements. Utility collections need resident-friendly approaches. A generalist approach forces compromises.
At Vegas Valley, each service line has its own workflow, letter sequence, communication protocol, and compliance framework. When you place medical accounts with us, you get the workflow designed for medical — not a modified consumer collection workflow. When you place commercial accounts, you get documentation-first B2B recovery, not consumer letters sent to a business address.
Pick the service that matches your industry, or contact us if your situation crosses categories.
Medical Collections
HIPAA-aware workflows for Nevada healthcare providers. Compliant with SB 248 / NRS 649.366 60-day notification requirements and the 5% medical fee cap under NRS 649.368. Hospitals, clinics, dental practices, specialty providers, ambulance services, behavioral health.
Our medical workflow handles the 60-day notification, voluntary payment treatment under NRS 649.367, fee caps, and credit reporting hold during the notification period. Patient-sensitive outreach, dispute handling, and payment plan structuring all happen within Nevada-specific compliance bounds.
Medical Collections →Commercial / B2B Collections
Recovery for Nevada manufacturers, distributors, professional services firms, construction companies, and SaaS / MSP providers. Documentation-first approach with litigation referral available where appropriate.
Commercial B2B debt is generally not covered by the FDCPA, which changes communication and escalation options — though individual guarantors may retain consumer protections. We understand lien rights and filing deadlines unique to Nevada's construction sector, and tailor strategy to industry and account profile.
Commercial Collections →Judgment Recovery
Asset location and post-judgment enforcement under Nevada law (NRS 17, NRS 21, NRS 31). Wage garnishment, bank levy, property liens, out-of-state judgment domestication via Nevada's Sister-State Judgments Act.
We renew, enforce, and collect on Nevada judgments. Nevada judgments are valid for 6 years and renewable; we manage the renewal calendar and enforcement strategy across the asset profile we can locate.
Judgment Recovery →Landlord Collections
Move-out balances, unpaid rent, damage charges, and broken-lease early termination fees for Nevada property managers and apartment operators. Skip-tracing for relocated tenants — critical in the highly transient Las Vegas valley.
Our skip-trace stack uses licensed databases, county assessor data, lawful public-record indicators, and identity databases to locate relocated tenants. We integrate with major property management platforms (AppFolio, Yardi, Buildium, RealPage, ResMan, Propertyware, Entrata).
Landlord Collections →Utility & Municipal Collections
Resident-friendly recovery for water districts, telecom providers, and Nevada municipal utility services. Flexible payment plans designed for ongoing customer relationships.
Utility and municipal collections require a different tone than commercial — these are often ongoing customers who may resume service. We use payment plan structures designed to clear arrears while keeping service relationships intact, with complaint-rate visibility for procurement-sensitive municipal clients.
Utility Collections →Nationwide Coverage
Nevada-licensed core practice with reciprocal arrangements through affiliated entities for clients with debtors in other states. Multi-state portfolio coordination through a single point of contact.
For clients with debtors across multiple states, we route accounts to appropriately licensed affiliated agencies and consolidate reporting. You manage one relationship; we manage the licensing complexity behind the scenes.
Nationwide Coverage →Service FAQ
Common questions about our service lines.
Yes. Many clients have portfolios that span multiple verticals — for example, a healthcare system with both medical patient accounts and commercial vendor accounts. We handle mixed placements and route each account to the correct workflow based on debt type.
We don't publish a hard minimum. Practically, the portfolio review process is designed to help you determine whether placement makes economic sense given account age, balance distribution, and debt type. Very small individual balances on fresh medical accounts typically make sense in aggregate; very small, very old commercial balances typically don't.
Yes. We handle agency-to-agency transitions regularly. The process involves a data transfer, credit bureau metro reporting update, and the standard onboarding. We work with your existing agency on the handoff.
Yes. If your business is headquartered outside Nevada but your debtors are in Nevada, we can service those accounts under our Nevada license. For debtors in other states, we coordinate through affiliated entities or licensed partners.
We do not purchase consumer debt portfolios (debt buying). We don't service payday loan portfolios, student loan debt, or federal government debt. We focus on Nevada-originated, first-party placements from the industries listed above.
Not Sure Which Service Fits?
We'll review your portfolio and tell you which workflow applies — typically within 2 business hours. Mixed portfolios are common and we route accounts to the right workflow at intake.