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Tennessee Debt Collection Laws

Tennessee Code Annotated Sections 62-20-101 to 62-20-137 deal with debt collection agencies. The law is basically a licensing statute, and forbids debt collection agencies from using deceptive practices (such as posing as a lawyer or sending fake official-looking documents), as well from violating the federal Fair Debt Collection Practices Act.

Tennessee doesn’t allow consumers to sue debt collection agencies, so if you’ve been the victim of debt collector harassment, your best bet is to use the federal Fair Debt Collection Practices Act (FDCPA) to bring the debt collection agency to justice. The FDCPA makes certain debt collector tactics illegal, and gives you the right to sue a debt collection agency in federal court. If the debt collection agency has broken the law, you can receive actual expenses, attorney fees, and up to $1,000.

With the help of a fair debt attorney, you can often reach a settlement with a debt collection agency that either puts money in your pocket or erases part or all of that debt. Complete the form to the right, and the legal team at will provide you with a free case evaluation. If the debt collector has violated the FDCPA, we’ll take your case absolutely free.

File a Complaint

If you’ve been the victim of illegal fair debt or fair credit practices, you should file a complaint with the Tennessee Department of Commerce and Insurance. Filing a complaint is a way of making your voice heard, and of helping to put a stop to unethical debt collection practices.

You can download a complaint form from the Tennessee Department of Commerce and Insurance by clicking here.

Here’s the contact information to call or send a written complaint to the Tennessee Department of Commerce and Insurance:

State of Tennessee
Department of Commerce and Insurance
Collection Service Board
500 James Robertson Parkway
Nashville, TN 37243

You should also file a complaint with the Consumer Financial Protection Bureau. The CFPB is responsible for collecting and reporting on complaints about debt collectors who may be violating the Fair Debt Collection Practices Act. The CFPB shares its data with the Federal Trade Commission, which looks at patterns of consumer complaints and holds shady debt collection agencies accountable by suing them and fining them. You can file a complaint with the CFPB by clicking here.

Lemberg & Associates’ team
of consumer attorneys is highly
skilled and ready to help you
with debt collector abuse.

If you have been the victim of harassment or illegal or unfair debt collection practices, Lemberg & Associates will discuss your options with you and protect your rights. For more information, contact Lemberg & Associates today at .

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"The FDCPA is a consumer protection statute and was intended to permit, even encourage, attorneys like Lemberg to act as private attorney generals to pursue FDCPA claims."

U.S. Ninth Circuit Court of Appeals, Evon v. Law Offices of Sidney Mickell
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