NV AB250

Establishes "coerced debt" as an affirmative defense in civil actions to collect unsecured consumer debt, protecting victims of sex trafficking or domestic violence who incurred debt through fraud, duress, intimidation, or undue influence

Requires debtors asserting the defense to submit written attestation identifying the debt and supporting documentation such as a police report, FTC identity theft report, or protective order

Courts finding coerced debt must order creditors to cease collection efforts and correct consumer credit reports; creditors may join the person who coerced the debt as a third party

Allows debtors to recover attorney's fees and costs from the person who coerced them, but not from the creditor

Establishes that credit instruments (casino markers) are presented in the usual course of business for fraud presumption purposes if presented within 2 years of issuance; coerced debt provisions take effect October 1, 2025