DebtShield
PricingPro PlatformBlogCompare
Log inGet Started

Product

PricingPro PlatformBlog

Suite

DebtShieldDisputeAISubScrub

Features

Credit Card DisputesSubscription RecoveryZombie SubscriptionsBank Fee DisputesMedical Bill Disputes

Resources

How-To GuidesState LawsFAQCompare

Legal

Terms of ServicePrivacy PolicyBlog

From the Pointify Travel Technologies suite:

DisputeAI — Billing DisputesSubScrub — Cancel Subscriptions
DebtShield

© 2026 Pointify Travel Technologies LLC. All rights reserved.

The flagship debt recovery platform.

Tennessee
TNIC System

Dispute IC System in Tennessee

Your Tennessee rights against IC System: SOL is 6 years for credit card debt. Garnishment capped at 25% of disposable earnings.

6 years

Tennessee credit card SOL

Tennessee Consumer Protection Act

State collection law

Common IC System Violations

Reporting unverified debts to credit bureaus
Continuing collection after dispute without validation
Using misleading language about legal consequences

Tennessee Dispute Tips vs IC System

IC System handles medical and utility debts — request itemized bills
Medical debts under $500 are excluded from credit reports as of 2023
Demand they verify the debt with the original creditor, not their own records

Tennessee Protections

TCPA allows treble damages
$5,000 personal property exemption

Tennessee Debt Laws

All protections in Tennessee

IC System Overview

All violations & tips

Dispute IC System in Tennessee — $9.99/mo