Tennessee has not enacted a separate state law containing protections beyond those of the FDCPA. The Tennessee state debt collection law requires all debt collectors to obtain a state license and pay a fee. It also provides basic protections against harassing and abusive collection tactics, consistent with those provided under federal law. The state law does not, however, provide a private remedy, and the Tennessee courts do not allow consumers to bring a lawsuit for a violation of state law. Thus, Tennessee residents faced with abusive or harassing collection tactics will receive the most protection and benefit from the FDCPA .
If you believe that a collector has behaved inappropriately while attempting to collect a debt from you in Tennessee, our attorneys can help you to determine whether the FDCPA provides you with a legal remedy.
To learn more about the FDPCA, go to Federal Debt Collection Practices Act.