TN Medical Debt

Tennessee Medical Debt Laws

Everything you need to know about medical debt in Tennessee: SOL is 6 years, garnishment capped at 25% of disposable earnings, and 2 state-specific protections apply.

6 years

SOL (open/revolving accounts)

$2,459

Avg medical debt

25% of disposable earnings

Garnishment cap

How to Dispute Medical Debt in Tennessee

Request itemized bill with CPT codes

Check for No Surprises Act violations

Apply for hospital financial assistance

Dispute errors line by line

Negotiate — hospitals accept 40-60% routinely

Tennessee State Law

Tennessee Consumer Protection Act

File complaints: AG Consumer Protection

Relevant Federal Laws

FDCPA (15 USC 1692)
FCRA (15 USC 1681)
FTC Act 5
CFPB Reg F

Tennessee Consumer Protections

TCPA allows treble damages

$5,000 personal property exemption

Medical Debt Tips for Tennessee Residents

ALWAYS get an itemized bill before paying

Nonprofit hospitals must offer financial assistance

Medical debt has 365-day credit reporting grace period

Dispute Medical Debt in Tennessee

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