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Tennessee Debtor And Creditor Legal Questions

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50 legal questions have been posted about debtor and creditor 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 collections, and creditors rights. All topics and other states can be accessed in the dropdowns below.
Tennessee Debtor And Creditor Questions & Legal Answers
Do you have any Tennessee Debtor And Creditor questions and need some legal advice or guidance? Ask a Lawyer to get an answer or read through our 50 previously answered Tennessee Debtor And Creditor questions.
Debtor and Creditor
Tennessee

Recent Legal Answers

Credit card company / bank

Answered 6 years and 3 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Keep asking creditor to provide copy of bills. When you go to court, tell the judge that the creditor would not provide you with a copy of the bills and the judge will order them to provide you with a copy. Get the case continued in order for you to have time to review the bills.
Keep asking creditor to provide copy of bills. When you go to court, tell the judge that the creditor would not provide you with a copy of the bills... Read More

What recourse do I have if I signed for a title loan in TN that exceeds the legal limit of $2500? Can I not pay?

Answered 6 years and 5 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Your are correct that the legal limit for a title loan is $2,500 and if you had borrowed that from a Tennessee based company you would not have had to repay that portion over $2,500. However, if you went to Georgia to take out the $5,000 title loan, then the Georgia based company is not subject to the $2,500 limitation of Tennessee (even if you and your car are based in Tennessee) and you would have to repay the loan.... Read More
Your are correct that the legal limit for a title loan is $2,500 and if you had borrowed that from a Tennessee based company you would not have had... Read More

Parents are no longer paying my wife's student debt

Answered 6 years and 9 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
If you have not already done so, then you need to talk with him about it. It could be that he is having financial difficulty and can not afford to pay it. If you can not resolve it, the debt is your wife's. Ultimately, if you wanted to take it this far, you can sue him to compel him to pay it. Good luck!... Read More
If you have not already done so, then you need to talk with him about it. It could be that he is having financial difficulty and can not afford to... Read More

I co-signed for car whose title and insurance is in my name. the other co-signer on never refinanced as promised and is two payments behind.

Answered 7 years and 2 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Since the car is titled to you, then you can get it and sell it.
Since the car is titled to you, then you can get it and sell it.

Do I still have to show for a summons on a civil suite for a medical bill if you reach a agreement on payment plan.

Answered 7 years and 8 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
If you trust the lawyer to accurately tell the judge what the agreement is, then you do not need to go. If you do not trust him or not sure, then go to court.
If you trust the lawyer to accurately tell the judge what the agreement is, then you do not need to go. If you do not trust him or not sure, then go... Read More

I just got a civil warrant from a debt collector I really want to fight it, but your professional opinion what should I do

Answered 7 years and 11 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
I can't tell you what to do. That is your decision.
I can't tell you what to do. That is your decision.

If I have settled with my debt before my court date do I have to appear in court? I don’t want to have a bench warrant placed on me. Please advise.

Answered 8 years ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
That depends. Is there going to be a judgment entered against you and then you are going to make payments on the judgment (not desireable because of negative credit entry)? Or is the case going to be continued to allow you time to payoff what is owed and then the case is going to be dismissed (preferrable because no negative credit entry)? If you get something in writing from the creditor before court saying what the agreement is, then you will not need to go to court.... Read More
That depends. Is there going to be a judgment entered against you and then you are going to make payments on the judgment (not desireable because of... Read More

What would happen , if the collection went to debt and we are not in a position to pay the amount mentioned and can only pay some part of it?

Answered 8 years ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Negotiate with the collection agency to make a payment schedule.
Negotiate with the collection agency to make a payment schedule.

Does the date referred to in a loan modification agreement need to match the deed of trust and note?

Answered 8 years and a month ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
A wrong date does not invalidate the loan modification agreement. However, you might want to contact the lender and put it on notice of the wrong date so that it might be corrected.
A wrong date does not invalidate the loan modification agreement. However, you might want to contact the lender and put it on notice of the wrong... Read More

Can I file a claim to receive my $428

Answered 8 years and 3 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
You can sue him in General Sessions Court.
You can sue him in General Sessions Court.

I want to sue for a loan I let a friend borrow who hasn't paid me back. This has caused me emotional distress and I'm very upset about it.

Answered 8 years and 3 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
You can sue him to General Sessions Court.
You can sue him to General Sessions Court.

distress warrant

Answered 8 years and 5 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
You need to contact them to see if a payment plan can be worked out.
You need to contact them to see if a payment plan can be worked out.

What will be next?

Answered 8 years and 5 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Contact the clerk of the court where you went and ask for a copy of the civil warrant. The judgment amount should be on that document.
Contact the clerk of the court where you went and ask for a copy of the civil warrant. The judgment amount should be on that document.

Can a Distress Warrant be issued for overpayment of unemployment?

Answered 8 years and 7 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
I can not answer your question because you did not tell me who the letter was from. I have never heard of a Distress Warrant. Call the entity listed on the letter to find out if this is a legitimate letter or just a scam.
I can not answer your question because you did not tell me who the letter was from. I have never heard of a Distress Warrant. Call the entity listed... Read More

I'm being scam

Answered 8 years and 7 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Call your bank and talk with it about what happened.
Call your bank and talk with it about what happened.

My husband died owing a credit card balance, will I need to pay his debt?

Answered 8 years and 8 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
When property is held as tenants by the entirety, when he passed away the property became yours not subject to his debts, expect any liens on the property. If he had any checking/savings account that you are not on, then that money should be used to pay off the credit card.
When property is held as tenants by the entirety, when he passed away the property became yours not subject to his debts, expect any liens on the... Read More

We have a debt of collection of 10,000 that has not been active since 2011

Answered 8 years and 10 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
The answer is "it depends". See § 47-3-118. Statute of limitations on negotiable.  
The answer is "it depends". See § 47-3-118. Statute of limitations on negotiable.  

We was enrolled in an automated pay system through a payday lender and opted out. They still pull fund from my account. Do I have a case?

Answered 8 years and 11 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
If you agreed to the auto pay as a condition of your loan, then you do not have the option to opt out unless the pay day lender agrees.
If you agreed to the auto pay as a condition of your loan, then you do not have the option to opt out unless the pay day lender agrees.

garnishment of wages

Answered 8 years and 11 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
I did not see a question.
I did not see a question.

Can i sue an exboyfriebd for money i loaned him

Answered 9 years ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Yes that is enough to sue on and you can sue him.
Yes that is enough to sue on and you can sue him.

default judgment

Answered 9 years ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
You need to contact the clerk of the court to find out the information on the garnishment.
You need to contact the clerk of the court to find out the information on the garnishment.

is it possible to talk to the judge about lifting a garnishment

Answered 9 years ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
The judge will not talk with you. You can file a slow pay motion to hopefully stop the garnishment. You would need to talk with the clerk of the court that issued the garnishment about the filing of a slow pay motion.
The judge will not talk with you. You can file a slow pay motion to hopefully stop the garnishment. You would need to talk with the clerk of the... Read More

Will I be responsible for my late husband's medial debt?

Answered 9 years ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
If you signed somthing agreeing to be liable, then you are liable. If you did not, then you are not liable.
If you signed somthing agreeing to be liable, then you are liable. If you did not, then you are not liable.

Is there a statute of limitations on unsecured debt?

Answered 9 years ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
If you made no payments on the debts in the last ten years, than the statute of limitations has run and you do not owe the debt.
If you made no payments on the debts in the last ten years, than the statute of limitations has run and you do not owe the debt.

How can I get a garnishment on individuls for a bad debt? What would be cost of services?

Answered 9 years and a month ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
You have to get a judgment before you can garnish their wages.
You have to get a judgment before you can garnish their wages.
Debtor and Creditor
Tennessee

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