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  1. #1
    winnerTN is offline Junior Member
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    SOL for CC debt in TN

    What is the name of your state? TN

    I have researched, and found conflicting reports on the SOL in TN for CC debt. Some sites say 3 yrs, some 6.

    Also, found a site that says it differs by county and/or city. I live in Nashville (Davidson County)

    Do some states differ by city or county? I have called the States Attorney General's office and have gotten the run around.

    Thanks for any info!!
  2. #2
    racer72 is offline Senior Member
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    It's 6 years. T. C.A. 28-3-109
    If you feel my answer is rude, mean, snarky or in anyway not to your liking, I did my job. You don't need to tell me.

    No private messages, I do not reply to them.
  3. #3
    winnerTN is offline Junior Member
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    thanks, but..

    Applicable Cities: Chattanooga, Clarksville, Davidson, Franklin, Jackson, Johnson City, Kingsport, Knoxville, Memphis, Murfreesboro, and Nashville.
    Interest Rate Charged:
    Legal -> 10%
    Judgement -> 10%



    Statute of Limitations (in years): Open Account -> 3 years
    Written Contract -> 6 years
    Promissory Note -> 6 years
    Domestic Judgement -> 10 years
    Foreign Judgement -> 10 years


    Bad Check Law: -> Considered as Civil Penalty
    -> Treble damages; maximum $500 + Court & Attorney Fees + 10% Interest

    Wage Garnishment Exemptions: 75% of disposable earnings per week, or amount equal to 30 x federal minimum hourly wage, whichever is greater.

    from this site...[url]http://www.3debtconsolidation.com/statute-limitations/state/tennessee.html[/url]

    thanks again!
  4. #4
    Ladynred is offline Senior Member
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    It's wrong. The SOL in TN is 6 years for written and open accounts. I live in the same city you do, I've been thru the TN statutes, there is nothing there stating any 3 year SOL for this type of debt.


    28-3-109. Rent — Official misconduct — Contracts not otherwise covered — Title insurance — Demand notes. —
    (a) The following actions shall be commenced within six (6) years after the cause of action accrued:

    (1) Actions for the use and occupation of land and for rent;
    (2) Actions against the sureties of guardians, executors and administrators, sheriffs, clerks, and other public officers, for nonfeasance, misfeasance, and malfeasance in office; and
    (3) Actions on contracts not otherwise expressly provided for.

    (b) The cause of action on title insurance policies, guaranteeing title to real estate, shall accrue on the date the loss or damage insured or guaranteed against is sustained.

    (c) The cause of action on demand notes shall be commenced within ten (10) years after the cause of action accrued.
    Last edited by Ladynred; 05-22-2007 at 07:50 PM.
  5. #5
    winnerTN is offline Junior Member
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    thanks lady :)

    I've seen your posts, and I appreciate your knowledge and respect you show for us "juniors"..thanks again!

    Beautiful day in Nashville today!
    Peace
  6. #6
    Ladynred is offline Senior Member
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    Oh, yes, it certainly was !! Gonna be nice the rest of the week too

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