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Tennessee Collections Legal Questions

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66 legal questions have been posted about collections by real users in Tennessee. Ask your question and dive into the knowledge of attorneys who handle your issue regularly. Similar topics to explore also include debtor and creditor, and creditors rights. All topics and other states can be accessed in the dropdowns below.
Tennessee Collections Questions & Legal Answers - Page 2
Do you have any Tennessee Collections questions page 2 and need some legal advice or guidance? Ask a Lawyer to get an answer or read through our 66 previously answered Tennessee Collections questions.
Collections
Tennessee

Recent Legal Answers

If I stopped check payment for failure to perform agreed service, and check was cashed, am I liable for the amount to the check cashing entity?

Answered 8 years and 7 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
You do not have to pay the check cashing service. Tell them to go after the person who gave them the check.
You do not have to pay the check cashing service. Tell them to go after the person who gave them the check.

The co. has 400 emp. Pay roll shorted everyone hundrens of $ on their checks. We were told our money will be next payday. 2 wks. Is this legal ?

Answered 8 years and 7 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
No it is not legal. Contact the Tennessee Department of Labor. It sounds like your employer is in financial trouble.
No it is not legal. Contact the Tennessee Department of Labor. It sounds like your employer is in financial trouble.

Is it legal for Second Round LP to send a court summons?

Answered 8 years and 8 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Your question is not very clear but if I read it correctly, you are being sued for debts that you stopped paying in 2011. This is within the statute of limitations for debt collection.
Your question is not very clear but if I read it correctly, you are being sued for debts that you stopped paying in 2011. This is within... Read More

What are these court case codes?

Answered 8 years and 8 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Can't tell you because each county uses a separate code. You will have to ask the clerk of the court who is using the code that you are asking about.
Can't tell you because each county uses a separate code. You will have to ask the clerk of the court who is using the code that you are asking about.

My disabled father has a title loan from a title loan company on a car that is broken down.How can we get them to come get the car?

Answered 8 years and 9 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
You can not make them come get the car or sue him. If he has major heart issues and can't handle the stress, maybe you can assist him by talking with loan company and you making payments on his behalf.
You can not make them come get the car or sue him. If he has major heart issues and can't handle the stress, maybe you can assist him by talking with... Read More

can i sue

Answered 8 years and 10 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
I am sorry but I fail to see in the summary of the facts how the actions of Wells Fargo caused the damages that you claim you suffered.
I am sorry but I fail to see in the summary of the facts how the actions of Wells Fargo caused the damages that you claim you suffered.

What is the statue of limitations on debt collection in the state of Tennessee

Answered 8 years and 10 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
That depends. It can be anywhere from 3-10 years depending on the type of debt to be collected.
That depends. It can be anywhere from 3-10 years depending on the type of debt to be collected.

What do you do if you loaned cash money to someone on verbal agreement,and doesn't pay back been 4 years.

Answered 9 years ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Sue the person.
Sue the person.

My HOA claimed they sent out letter for maitience assessment fee. But I didn't received. Now amount have been sent to lawyer firm for collection

Answered 9 years ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Pay the assessment fee.
Pay the assessment fee.

i had a credit card account sold to atlantic credit can i make monthly payments without being sued

Answered 9 years ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
You will have to work that out with atlantic credit. 
You will have to work that out with atlantic credit. 

How can I have sometime remove from your credit report?

Answered 9 years ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Go onto Google and research the Fair Debt Collection Practices Act to find out how to challenge the debt.
Go onto Google and research the Fair Debt Collection Practices Act to find out how to challenge the debt.

Can I sue a company for calling me, my family and my place of business after being asked to stop?

Answered 9 years ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
What you need to do is to send them a letter stating that pursuant to the Fair Debt Collection Practices Act you are denying the debt and tell them to stop contacting you. Send that letter by certified mail, return receipt requested. Thereafter, for each ocassion that they contact you, it is a violation of the act punishable by $1,000 per contact. Research the act on Google.... Read More
What you need to do is to send them a letter stating that pursuant to the Fair Debt Collection Practices Act you are denying the debt and tell them... Read More

Can a company be sued for improperly reporting information to a credit agency? Can they be sued for damages done to someone who uses their credit in

Answered 9 years ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
If you feel that there is a negative entry on your credit history, then you can contact the credit agency and challenge the entry.
If you feel that there is a negative entry on your credit history, then you can contact the credit agency and challenge the entry.

How can a debtor report to the credit bureau missed payments on an account that you take no liability for, or have ever agreed to any payment arrangem

Answered 9 years and a month ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
You contest the underlying debt that is the basis for the report.
You contest the underlying debt that is the basis for the report.

Can a creditor garnish my wages after a repossession

Answered 9 years and 2 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Yes they can but only after they sue you for the deficiency and if they get a judgment.
Yes they can but only after they sue you for the deficiency and if they get a judgment.

lost vehicle due to bank taking back loan payment

Answered 9 years and 3 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Need to know why the bank took back the loan?
Need to know why the bank took back the loan?

How do I file a suit for money owed me if the amount is approximately $2,000? Is this a small claims court matter?

Answered 9 years and 4 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
go to the General Sessions court in your county.
go to the General Sessions court in your county.

Service of Process

Answered 9 years and 4 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
If you are close enough, I would suggest that you go to the clerks office of the court where you were sued and have them pull the file and get copies of the papers that say how you were served. This is a public record. You might want to consider hiring an attorney to represent you.
If you are close enough, I would suggest that you go to the clerks office of the court where you were sued and have them pull the file and get copies... Read More

lawsuit filed for personal loan at Discover by Zwicker

Answered 9 years and 5 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
After a judgment is obtained, the Discover has a right to execute on any property that you own and they can find. However, you have the right to exempt a specific amount of property from execution. If I were you, I would contact them, explain situation and try to work out a payment plan. IF YOUR TRUCK IS PAID FOR, DO NOT TELL THEM THAT.... Read More
After a judgment is obtained, the Discover has a right to execute on any property that you own and they can find. However, you have the right to... Read More

A creditor just got a judgment. If I make some kind of regular payments, can they seize an account w/o any notice?

Answered 9 years and 6 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
The creditor has not have to accept the lower payments if they don't want to. Go to the judge and ask for lower payments.
The creditor has not have to accept the lower payments if they don't want to. Go to the judge and ask for lower payments.

HOW LONG FROM AN OVER DUE BILL CAN YOU BE TENURED A JUDGEMENT IN THE STATE OF TENNESSEE.

Answered 9 years and 6 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Don't pay the bill. When the collection agency calls, get all of the information on the account. Then send them a certified letter pursuant to fair debt collections practices act that you do not owe the debt and are not going to pay if. Send it by certified mail, return receipt requested. You can go online to find out how the letter should be worded. After they receive the letter, each time they contact you is a violation of the act for which they are liable for $1,000... Read More
Don't pay the bill. When the collection agency calls, get all of the information on the account. Then send them a certified letter pursuant to fair... Read More

How to file a claim against an individual?

Answered 9 years and 6 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Contact the General Sessions Court Clerk in the county where you live.
Contact the General Sessions Court Clerk in the county where you live.

Statute of Limitations:

Answered 9 years and 7 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
The statute of limitations for breach of contract is 10 years. If they sue you within 10 years but did not get service for process, then they can collect. You referenced 2 court dates. I would suggest that you contact the clerk of the court and find out when they first filed suit against you.... Read More
The statute of limitations for breach of contract is 10 years. If they sue you within 10 years but did not get service for process, then they can... Read More

Can i be sued for an old credit card after 7 years and its already off my credit report?

Answered 9 years and 9 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Yes you can be sued.
Yes you can be sued.

How do I sue a company reporting false information on a public report

Answered 9 years and 10 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Assuming that the information on the record is not about you, you need to send a letter to them, certified mail, return reciept requested, wherein you put them on notice of the error and ask them to correct it. If they have not done so within thirty (30) days, then you can file suit to make them remove it.... Read More
Assuming that the information on the record is not about you, you need to send a letter to them, certified mail, return reciept requested, wherein... Read More
Collections
Tennessee

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