Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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You are correct. Pursuant to Tenn. Code Ann. § 28-3-101 et. seq., the statute of limitations is 6 years for this debt. This gives you an absolute defense to this suit. It's an affirmative defense you must raise; it does not prevent the collection agency from filing the suit. These collection agencies buy these debts for pennies on the dollar and then file these suits because so many people simply pay them without being aware that there is a statute of limitations which would give them an absolute defense to any suit. Good for you for being aware of this!
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