Detailed Answer

When a loved one dies in Nevada, the appointed personal representative (formerly executor) must notify creditors and handle claims against the estate under Nevada law. Below is a step-by-step guide to ensure you meet statutory requirements and protect the estate from unexpected liabilities.

1. Identify and Appoint a Personal Representative

Before notifying creditors, the court must appoint a personal representative through probate. This individual gains legal authority to act on behalf of the estate. For formal probate, file a petition in the county where the decedent lived.

2. Compile a List of Known Creditors

Gather all documents—bills, account statements, medical invoices, and any indication of debt. Organize names and addresses of individuals or businesses the decedent owed money.

3. Mail Individual Notices to Known Creditors

Within 30 days after appointment, the personal representative must mail a copy of the Notice to Creditors to each known creditor. See Nevada Revised Statutes (NRS) 147.040(1):
NRS 147.040(1).

4. Publish Notice to Unknown Creditors

If the estate has assets that may attract claimants you cannot identify, publish a general Notice to Creditors in a newspaper of general circulation in the county where probate is pending. Nevada law requires publication once a week for two consecutive weeks, within two months of appointment. See NRS 147.040(3):
NRS 147.040(3).

5. Monitor the Claims Filing Period

Creditors must file written claims within four months after first publication of the notice or within 60 days after receiving mailed notice—whichever is later. See NRS 147.060:
NRS 147.060.

6. Review and Evaluate Claims

As claims arrive, verify each for accuracy and supporting documentation. Confirm that the debt is valid and that it falls within the filing deadlines.

7. Object to or Allow Claims

If a claim appears fraudulent, overstated, or untimely, file a written objection with the court before distributing assets. Uncontested valid claims should be allowed and scheduled for payment.

8. Pay Valid Claims and Distribute Remaining Assets

Use estate funds to satisfy allowed claims in priority order (administrative expenses first, then secured claims, followed by unsecured claims). After paying all valid debts and expenses, distribute any remaining assets to the beneficiaries under the will or by intestacy law.

Disclaimer

This article provides general information about Nevada probate law. It does not constitute legal advice. Consult a qualified attorney for guidance specific to your situation.

Helpful Hints

• Keep detailed records of all mailed notices and publication proofs.
• Track claim deadlines on a shared calendar to avoid missed filings.
• Consult probate statutes online at the Nevada Legislature’s website for updates.
• Maintain clear communication with beneficiaries about creditor claims.
• If the estate is complex or high-value, consider hiring a probate attorney.