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Tennessee Consumer Law Questions & Answers
0 Answers | Asked in Consumer Law, Real Estate Law, Environmental and Landlord - Tenant for Tennessee on
Q: Should I be being charged prorated rent for time that I was unable to occupy the apartment unit due to an existing extre

I hesitantly signed a lease agreement with the winbranch apartment complex in Memphis Tennessee 38116 on November 22nd 2024. I was not even given the common courtesy of being shown the unit by any member of the staff. I was rudely told to use my GPS in order to find the location of the apartment.... View More

0 Answers | Asked in Consumer Law and Business Law for Tennessee on
Q: Repossession of my vehicle they never sent me a letter nor called me to give me a chance to cure the past due

I borrow 3500 paid back 3940 est back but yet the balance they say I owed was still over 3500 they knew I drawed ss check I lost my home trying to pay the payment I can't go to doctor apps or any where now I've contacted the consumer beaura

1 Answer | Asked in Consumer Law for Tennessee on
Q: Is it legal for repo company to charge me to get my belongings out of a repossessed car saying $75
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answered on Dec 9, 2024

That is alot less than filing an Action To Recover Personal Property.

1 Answer | Asked in Consumer Law, Contracts, Civil Litigation and Collections for Tennessee on
Q: How long is the tolling law good for that is past the statue of limitations of 6 years on credit card debt in Tennessee?

This is on a credit card from 18 years ago that I have no records of.

Mr. Kent Thomas Jones
Mr. Kent Thomas Jones
answered on Nov 26, 2024

In the State of Tennessee, the statute of limitations for breach of contract is six (6) years. There are certain ways that the creditors can obtain proof that you admitted the debt within 6 years. It could be a writing that you sent or it could be a recorded call with an admission. If it has... View More

1 Answer | Asked in Consumer Law for Tennessee on
Q: Is there a statue of limitations for collections from TN AG’s office. I never received a bill & 2018 is the last year

On Saturday, Nov 23, 2024 I received a letter from AG’s office in TN saying I owed them over 80k. The last year I had interaction with them is during an inquiry by the TN medical license board regarding false allegations of over prescribing opioids. I had practiced for 33 years when the hospital... View More

Anthony M. Avery
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answered on Dec 7, 2024

Not sure of what the $ 80K alleged debt is for, so I cannot give you a SOL, There is a 10 yr catch all SOL, but if criminal costs are involved, it may be part of a sentence. But you do have Exemption Rights, which you might need to assert by Notice Of Exempt Properties if CH 7 Bankruptcy is not... View More

2 Answers | Asked in Consumer Law, Contracts and Collections for Tennessee on
Q: how to file a judgement lein on private property

Have judgement in Maryland, Debtor moved to Tennesee, has propery there. I want to file a lein. How do I do this

Barry W. Kaufman
Barry W. Kaufman
answered on Nov 25, 2024

You must make your Maryland judgment into a Tennessee judgment before you can file a lien. I recommend that you hire a Tennessee lawyer to do that for you. It ought not to cost much.

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1 Answer | Asked in Consumer Law for Tennessee on
Q: should I sign a Release And Settlements claim frrom a classic car dealer who sold me a car that supposed to be restored.

It had many things wrong with it and not restored according to definition of restored, what should i do.

Anthony M. Avery
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answered on Nov 21, 2024

Either you accept a monetary settlement, giving up all rights to sue, or you do not. It is your decision. Consult with an attorney. It sounds like you would have to sue in another State, hiring a lawyer there. Then

if you win, you have to collect. Your choice.

1 Answer | Asked in Consumer Law for Tennessee on
Q: if a car is advertised as restored and it is not what can i do about it

The car was bought in Missouri and i paid 36000. for it but it has a lot wrong with it.

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answered on Nov 18, 2024

You may not have a case. But the contract was in MO, so contact an attorney there.

1 Answer | Asked in Consumer Law for Tennessee on
Q: A wage garnish of 5333 on Oct 2024 from May of 2018 . Is this past the collections, limitation to sue me for this amount
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answered on Nov 1, 2024

It does not sound like it. SOL is 6 years from last payment or default basically. Contract can modify the SOL. Hire an attorney to examine this, and you may need to file a Notice of Exempt Property. Judgment Liens are usually a 10 yr SOL.

1 Answer | Asked in Consumer Law, Contracts, Tax Law and Arbitration / Mediation Law for Tennessee on
Q: On a auto loan, can the lender charge a flat $10.81 a day for 6 years? Because that's over 24 thousand..

Got a car loan traded my car for another and got 6 thousand dollars down payment the loan is 6yrs for 27k but I just read that the company charges me $10.81 a day no matter what turning my 27k car loan into over 40k, please tell me that's illegal if it's not then the system is so messed... View More

James L. Arrasmith
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answered on Sep 26, 2024

It sounds like you're dealing with an auto loan that may have unexpected terms. Charging a flat fee of $10.81 a day for six years is essentially a per diem interest rate, which would accumulate a large amount over time. If your loan agreement does mention this type of daily charge, it's... View More

1 Answer | Asked in Tax Law and Consumer Law for Tennessee on
Q: How do I remedy a hotel not refunding my hotel tax in Nashville TN for our family staying at hotel for almost 60 days?

We were shopping at a thrift store in South Nashville about 60 days ago when our vehicle broke down and we began staying at the hotel directly next door since then still trying to fix our vehicle. When we've asked for. Printout of our stay it took us five days to get it and it does not... View More

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answered on Aug 13, 2024

First, gather all the evidence you have, including any receipts, photos of the hotel conditions, and any communications with the hotel staff. Since the hotel hasn't provided a proper receipt, document your attempts to obtain one, noting dates and times of your requests. This documentation will... View More

1 Answer | Asked in Consumer Law, Civil Rights and Collections for Tennessee on
Q: Can you request phone records from a bank in discovery

Need to respond to the FDIC about the false statements that were made in the response to my complaint. Lawyer said that they didn't have any notes to prove that they called and confirmed my retainer

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answered on Jul 29, 2024

To request phone records from a bank during discovery, you need to include this request in your discovery demands. This process involves formally asking the court to compel the bank to produce the phone records that are relevant to your case.

First, consult your lawyer to ensure that this...
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1 Answer | Asked in Consumer Law, Banking and Social Security for Tennessee on
Q: Doordash won't tell me nothing they said the bank has to get the information from them that it's against a privacy law

My bank account was hacked and as soon as I realize there was money missing and online charges I notified the bank I went down there to the bank and they gave me a new debit card and said they would look into it because I disputed all the unauthorized charges I also make sure to advise the lady... View More

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answered on Jul 28, 2024

It sounds very frustrating and concerning that your accounts have been hacked and you haven't received any updates from your bank. First, contact your bank's customer service and insist on speaking to a manager or a fraud investigation team member. Clearly explain the urgency and detail... View More

1 Answer | Asked in Consumer Law for Tennessee on
Q: Can I use tca 47-3-118 Statute of Limitation to enforce the credit bureaus to remove negative items off my credit report
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answered on Jul 16, 2024

You can cite it to show some debts are unenforceable. But SOL starts from last payment., Credit companies do not have to comply until you give a written dispute. If report is still wrong then hire a lawyer to sue. They will usually ignore you.

1 Answer | Asked in Consumer Law and Elder Law for Tennessee on
Q: Are there cases in Tennessee whereby a Power of Attorney has filed a lawsuit on behalf on their people?

The lawsuit in this case is civil, and involves an elderly person against an insurance company. The POA is representing the elderly person who has no knowledge and needed this help.

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answered on Jul 2, 2024

Many power of attorneys authorize the attorney in fact to file and defend suits for the principle. Read the POA for this term.

1 Answer | Asked in Consumer Law for Tennessee on
Q: I'm being charged for a septic service when I am not hooked up to it or requested it i have my own tank , What
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answered on Jun 18, 2024

Start with complaining to the Lincoln County Mayor. From there, inform whoever is charging you that you will not pay for a utility service you do not get. I have a feeling the Mayor knows what is going on. You may need to get your County Commissioner involved also.

1 Answer | Asked in Consumer Law, Contracts, Criminal Law and Business Law for Tennessee on
Q: If I get a car from a dealership but make payments to another dealership, is something illegal happening?

Filed complaint with tn commissions and car dealership that I make payments to said they never sold me a car...but I believe they have multiple lots was even told by the lot I got car at. Some of the payments was not reported right. I have time recipts of transactions

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answered on May 28, 2024

Filing a Complaint without knowing most of the facts could get you repossessed. Hire an attorney to look at your financing statement. Then you and him start calling the noteholder, whoever that is. Some corporation searches will also be necessary. Determining the actual lienholder may be a... View More

1 Answer | Asked in Consumer Law and Small Claims for Tennessee on
Q: Can a title loan company or their repossession company refuse to allow a person to retrieve personal belongings repodcar

Car was repossessed after defaulting on title loan after missing two payments. Repossession agent called my mother after 9pm at night and told her if I didn't meet him by midnight that night to sign a "payment plan" for missed payments then I would have a felony warrant for my arrest... View More

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answered on May 6, 2024

Ask again to get your property. Otherwise you will have to file suit for an Action to Recover Property and/or Conversion in General Sessions Court. Be certain who it is that has your property, as you may have to sue two defendants. Loan co. will have an agent for service of process.

1 Answer | Asked in Consumer Law and Landlord - Tenant for Tennessee on
Q: What are the limitations for collecting a debt from an eviction
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answered on Apr 30, 2024

Every kind of defense there is almost. Exemptions, being Judgment Proof, Bankruptcy, etc. Hire an attorney to collect a Judgment.

1 Answer | Asked in Consumer Law and Small Claims for Tennessee on
Q: With the lawsuit for Hyundai can the lender, if I stop making the car payments, will they repo my vehicle?
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answered on Apr 11, 2024

I do not know what suit you are referencing. But if you signed a note and financing agreement, your contract is with the lender and has nothing to do with the manufacturer.

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