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Have you actually been served with a summons?
When in 2009 was the car repoed?
Have you made any payments since then?
Ok, then they are past the 6 year statute of limitations in TN for them filing suit under a breach of contract claim. If they didn't sue you before Nov 2015, then they would be time barred from doing so now...
So it you were never served with a summons and complaint before now, you are in the clear..