Legal Question in Credit and Debt Law in Tennessee

Re: Collection call after 8 years on paid debt

First, you need to go on the Internet and research "Fair Debt Collections Practices Act."

Second, you should call the collecting agent and say Tennessee has a 6-year statute of limitations on breach of contract claims. Ask the collecting agent why its claim is not frivolous and barred by the statute of limitations.

Third, depending on the answer you receive, you should ask the collection agent if he violated the Fair Debt Collections Practices Act by calling you about an alleged debt that has long expired by statute. Arguably, you could sue the collection agent unless he has grounds for thinking the debt is not time-barred.

Fourth, if any item ever shows up on your credit report, you always have a right to notify the credit reporting agency that the charge is disputed, and that agency must indicate that the amount is in dispute and not actually owed by you.

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