State file — Tennessee

Tennessee debt collection: the deadlines and limits that decide your case

Every number below names the law it comes from (its statute citation), checked October 18, 2026. Where a number comes from a secondary source instead of the official text, this page says so — double-check it before you rely on it.

How long they have to sue you — credit-card debt6 years · Tenn. Code Ann. § 28-3-109(a)(3) From a secondary source — double-check before you rely on it
Statute text (via Justia, not the official TCA site this pass): actions 'on contracts not otherwise expressly provided for' must be commenced within 6 years - Tennessee does not split written vs. oral/open contracts for limitations purposes. UCC sale-of-goods claims are 4 years (§ 47-2-725), not the card-debt rule.
If the clock has run outSigning a written statement that the debt is yours — or a signed promise to pay — can restart it. Paying alone cannot.
Tenn. Code Ann. § 28-1-111 From a secondary source — double-check before you rely on it
A new promise or acknowledgment revives only if in a writing signed by the party to be charged; a bare payment alone is not the statutory revival mechanism described in secondary sources.
Deadline to answer a lawsuitServe an answer within 30 days after service of the summons and complaint (circuit/chancery; General Sessions practice differs) · Tenn. R. Civ. P. 12.01 From a secondary source — double-check before you rely on it
Taking your paycheck (wage garnishment)Follows the federal cap. Follows the federal CCPA formula - lesser of 25% of disposable earnings or the excess over 30 times the federal minimum wage - plus a Tennessee add-on: the debtor keeps an additional $2.50 per week for each dependent child under 16.
Tenn. Code Ann. § 26-2-106 From a secondary source — double-check before you rely on it
Taking your bank account (a levy)Tennessee's $10,000 personal-property exemption works as a wildcard the debtor can apply to bank deposits, but it must be claimed by filing a written list of exempt property with the clerk - file before the judgment becomes final or it does not protect against executions already issued. Exempt benefit sources are separately protected when traceable.
Tenn. Code Ann. §§ 26-2-103, 26-2-111, 26-2-114 From a secondary source — double-check before you rely on it
Federal benefits deposited directly get an automatic two-month shield everywhere (31 CFR Part 212).
Original creditor calling?No equivalent statute found. The federal FDCPA binds third-party collectors and debt buyers in Tennessee, and federal law still bans deceptive practices by the bank itself.
How long a judgment lasts10 years — Enforceable 10 years; the judgment creditor may renew by filing a motion within the 10-year period under Tenn. R. Civ. P. 69.04 · Tenn. Code Ann. § 28-3-110; Tenn. R. Civ. P. 69.04 From a secondary source — double-check before you rely on it

Run my dates through the free checker

Card agreements often pick another state's law (Delaware for Chase, Bank of America, Discover, Barclays; South Dakota for Citi and Wells Fargo). A court may use the shorter of the two deadlines, under a rule called a borrowing statute — the free checker works out both clocks for you.

Included in the $39 DebtDecoded Kit

  • The letter builder — answer a few questions and it writes your letters: the one that makes them prove the debt is yours, and the one that orders them to stop calling. Wording follows the federal rulebook (Regulation F). Ready to print and mail
  • The old-debt trap worksheet — checks your dates against your state's restart rule before you pay or sign anything, so one small payment can't quietly restart the clock on an old debt (the trap lawyers call 'revival')
  • The call log — counts their calls against the legal line: more than 7 calls in 7 days about one debt counts as harassment (12 CFR 1006.14(b)(2))
  • The 'what they can't take' pack — what a court judgment can and cannot take in your state, including the rule that shields two months of federal benefits sitting in your bank account (31 CFR Part 212)
  • The offer-math worksheet — what a 'deal' really costs once fees and the tax on the written-off part are counted (that tax shows up on Form 1099-C)
  • The complaint walkthrough and the honest directory — who to call instead when a free or better route fits you

One payment. Every stage of the road, and the deadline tables for all 50 states — every number with its law cited. No account, no subscription — and the free checker above stays free whether you buy or not.

Get the Kit — $39

DebtDecoded is education, not a law firm. If the checker points you to a free route — legal aid, a lawyer who fights debt collectors, a nonprofit counselor — take it. We would rather lose the sale than sell you the wrong tool.

Quick answers

What is the statute of limitations on credit card debt in Tennessee?

6 years under Tenn. Code Ann. § 28-3-109(a)(3). The clock usually starts at the first missed payment that was never made up. Debt collectors may still call after it runs out, but Regulation F (12 CFR 1006.26(b)) bars them from suing — or threatening to sue — over a debt that is too old (time-barred).

Can paying a little restart the clock in Tennessee?

Signing a written statement that the debt is yours — or a signed promise to pay — can restart it. Paying alone cannot. (Tenn. Code Ann. § 28-1-111).

How long do I have to answer a debt-collection lawsuit in Tennessee?

Serve an answer within 30 days after service of the summons and complaint (circuit/chancery; General Sessions practice differs) (Tenn. R. Civ. P. 12.01). Most of these cases are lost by default — by never answering at all.

Can a debt collector garnish my wages in Tennessee?

Follows the federal CCPA formula - lesser of 25% of disposable earnings or the excess over 30 times the federal minimum wage - plus a Tennessee add-on: the debtor keeps an additional $2.50 per week for each dependent child under 16. (Tenn. Code Ann. § 26-2-106).

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