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The Tennessee Fair Debt Collection Practices Act is a set of laws that protect consumers from being harassed or abused by debt collectors. These laws also limit how and when a debt collector can contact a consumer.
The Tennessee Collection Service Board licenses and regulates collection agencies and their location managers under the provisions of Tennessee Code Annotated 62-20-101 et seq. and corresponding Administrative Rules. The Board's authority exists only within the area authorized by the legislature.
The debt collector CANNOT: Call before 8 a.m., after 9 p.m., or at any time that the consumer has said is inconvenient to receive calls. The collector also cannot call the consumer's workplace if the consumer has told the collector not to do so.
Tennessee statute 62-20-105 requires all collection service businesses operating in the state to obtain a license with the Department of Commerce and Insurance.
Creditors will often sue you to collect on debts they say you owe them. If they get a judgment against you, they can garnish your wages, seize personal property like cars and bank accounts, and place liens on real estate that you own.