Get an overview of civil judgments in Nevada, including how a judgment creditor collects a judgment and how a judgment debtor might contest collection. Some judgment debtors are simply "collection proof," meaning all their income and property is exempt and can't be taken to pay a judgment.Debt collectors are prohibited from engaging in abuse and harassment to get you to pay a debt. You might also be exempt from collection. A judgment rendered in a justice court creates no lien upon any lands of the defendant, unless an abstract is recorded in the office of the county recorder. Once the judgment is completely paid off, you must file a Satisfaction of Judgment with the court so that the payoff is reflected in the court's records. The losing party becomes the judgment debtor. For instance, the judgment creditor must record an affidavit stating, among other things, the judgment debtor's name, address, last four digits. A judgment remains in effect in Nevada for six years, and can be renewed forever. Garnishing a bank account: A bank account garnishment is a one-time deal.