Tennessee Statute of Limitations for Debt Collection
In Tennessee, the statute of limitations for debt collection is 6 years. After this period, a lawsuit based on this type of claim is generally time-barred.
Data last updated: Apr 16, 2026Key Takeaways
- Time limit: 6 years from accrual.
- Statute: Tenn. Code § 28-3-109(a)(3).
- 6 years for all debt types.
What are debt collection claims?
The time limit for creditors to sue on an unpaid debt. After this period, the debt is time-barred.
Details
6 years for all debt types.
General Tennessee Rules
Tennessee has one of the shortest personal injury statutes of limitations in the nation at just 1 year. Contract claims benefit from a 6-year period. Medical malpractice has a 1-year statute with a 3-year statute of repose. Pre-suit notice is required for medical malpractice claims.
Other Statutes of Limitations in Tennessee
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Tennessee?
The statute of limitations for debt collection in Tennessee is 6 years. Citation: Tenn. Code § 28-3-109(a)(3).
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When does the clock start for debt collection in Tennessee?
6 years for all debt types.
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Can the statute of limitations for debt collection be extended in Tennessee?
In some cases, yes. Tolling provisions may apply for minors, persons with incapacity, or when the defendant is absent from the state. The discovery rule may also delay the start of the statute. Consult an attorney for your specific situation.