What is the statute of limitation for a creditor collecting on a reposessed vehicle?

The statute of limitations for a breach of contract is 6 years in Tennessee.  Please see: 'http://www.nolo.com/legal-encyclopedia/statute-of-limitations-state-laws-chart-29941.html You may need to speak with a local consumer rights attorney.  There are various federal, local, and state consumer protection statutes that may protect your rights and a local consumer rights attorney will be able to determine which laws apply. Most consumer rights attorneys offer free initial consultations to determine what options are available. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.