My question involves collection proceedings in the State of: TN
What is the statute of limitations in TN for collecting a debt? My reason for asking is that after 6 years I am just now getting a call from a collection agency on an old cell phone bill with a company I no longer have service with. My service ended with them in January 2008. I called the cell company and they no longer record of what phone # the bill is on or when the last payment I made was or any payment history at all. They said they attempted to contact for 4 months after I ended my contract with them. They said they sent my acct to a collection agency in May of 2008. IF my research is correct then the SOL is 6 years for contracts so, if the SOL time clock started when they sent the acct to an agency then we are at the 6 yr limit but if it ended when I ended my contract then we are past it. Also, the girl at the cell company indicated that my account has gone through several agencies.
I honestly believe I paid everything I owed them when I switched service to another company. My other contact information (home ph#, home address and email address) has not changed since I had service with them so, their statement that they could not reach me is ludicrous. It will probably take an act of God to obtain any payment records on my end since I think I have switched banks since then, twice I think.
Needless to say I was VERY ticked to be getting a call on a bill after 6 years. Are they still allowed to collect on this? And do I have any options in fighting this that won’t cost me a lot of money (preferably none)?