Sued by Unifin Inc. in Tennessee? Here's What to Do Next
Tennessee RESPONSE DEADLINE
30 Days
from the date you were served
STATUTE OF LIMITATIONS
6 Years
for typical Unifin Inc. debts in TN
WAGE GARNISHMENT
Allowed — up to 25%
What Tennessee consumers say about Unifin Inc.
In the last 24 months, 14 Tennessee residents filed CFPB complaints naming Unifin Inc. . 100% of these complaints involve debt collection.
Most common complaint categories:
- 6 Attempts to collect debt not owed
- 3 Electronic communications
- 2 False statements or representation
Source: CFPB Consumer Complaint Database , 24-month rolling window through May 2026.
About Unifin Inc.
Unifin Inc. is a debt collection agency that collects on behalf of original creditors and debt buyers. They handle a variety of consumer debts including credit card, medical, and utility debts. Unifin has been subject to consumer complaints regarding their communication practices and has been involved in FDCPA litigation. They are known for aggressive phone campaigns and threatening legal action.
Type: Collection Agency. Common debt types: credit card, medical, utility, telecom.
CFPB Enforcement History
Unifin, Inc. is a third-party debt collector based in Skokie, Illinois. We could not identify a public CFPB consent order or formal enforcement action against Unifin, but the CFPB's consumer complaint database contains hundreds of consumer complaints about Unifin, with the most common issue being attempts to collect debts the consumer says they do not owe.
Tennessee-Specific Defenses Against Unifin Inc.
Statute of Limitations Defense
In Tennessee, the statute of limitations for credit card debt is 6 years. If your last payment was more than 6 years ago, the debt is time-barred. Verify when your last payment or account activity occurred and raise the SOL defense in your Answer if applicable.
Challenge the Amount
Demand a complete accounting from the original creditor's last statement through the current claimed balance. Any unauthorized fees, post-charge-off interest, or collection costs not in the original agreement should be disputed line by line.
Tennessee Wage Garnishment Exemptions
Greater of 75% of disposable earnings or 30x minimum wage exempt. Low-income earners (under $217.50/week) are fully exempt.
Tennessee Consumer Protection Act
In addition to the federal FDCPA, Tennessee's Tennessee Consumer Protection Act may provide additional protections and remedies against Unifin Inc.'s collection practices.
Tennessee Court System
General sessions court handles cases up to $25,000. Circuit court for larger amounts. Filing fees in Tennessee typically range $50-$250.
Common FDCPA Violations by Unifin Inc.
- Making excessive phone calls that constitute harassment
- Threatening legal action they do not intend to take
- Failing to identify themselves as debt collectors in communications
- Communicating with third parties about the consumer's debt
- Continuing to call after consumer requested written communication only
Statute of Limitations in Tennessee
| Debt Type | SOL (Years) |
|---|---|
| Credit Card | 6 |
| Medical | 6 |
| Auto | 4 |
| Personal Loan | 6 |
| Written Contract | 6 |
| Oral Contract | 6 |
Frequently Asked Questions
Who is Unifin Inc.?
Unifin Inc. is a third-party debt collection agency that collects debts on behalf of other companies. They are not the original creditor and must follow all FDCPA rules.
Can Unifin sue me?
Unifin may file lawsuits as part of their collection process. You have the right to respond and defend against any lawsuit they file.
How do I stop Unifin from calling me?
Send a written cease-and-desist letter via certified mail. Under the FDCPA, they must stop calling after receiving your written request, though they may still pursue legal action.
Is Unifin violating the law by calling me multiple times a day?
The FDCPA prohibits harassment through excessive phone calls. Under the Regulation F rule, collectors generally cannot call more than 7 times within 7 days per debt. If Unifin exceeds this, they may be violating the law.
How long to respond in Tennessee?
30 days from service.
What is the SOL in Tennessee?
6 years for written contracts. 4 years for open accounts.
Can wages be garnished?
Yes, but low-income earners below $217.50/week are fully exempt.
Where are cases filed?
General sessions court up to $25,000. Circuit court for larger amounts.
How does Tennessee General Sessions Court work for debt collection lawsuits?
Most consumer debt collection cases in Tennessee are filed in General Sessions Court, which has civil jurisdiction up to $25,000 under T.C.A. § 16-15-501. The process is informal compared to Circuit Court. When you are served, you will receive a summons with a specific court date, often less than 30 days away. You do not need to file a written answer before the court date; you appear and present your defenses orally. Show up. If you do not appear, the court will enter a default judgment, which the debt buyer can then enforce by garnishment and other means. Bring all documents you have, including the original contract if available, payment records, and any letters from the collector. Demand that the debt buyer produce the bill of sale, chain of assignments, and original account agreement. If you lose at the General Sessions level, you have an absolute right to appeal to Circuit Court within 10 days for a do-over with full pleadings and discovery, which is a major opportunity many defendants miss.
Is the collection agency suing me licensed in Tennessee?
Tennessee requires collection agencies operating in the state to be licensed under the Tennessee Collection Service Act at T.C.A. § 62-20-101 et seq. The Tennessee Collection Service Board, part of the Department of Commerce and Insurance, administers the licensing program. You can search the state licensing database online to verify whether the agency contacting you holds an active license. Tennessee courts have held that an unlicensed collection agency may not be able to enforce a debt in Tennessee courts and that collection activity by an unlicensed agency can violate state law. If you are sued by a collection agency or debt buyer, check the license status before responding. A licensing defense, raised properly, can result in dismissal or in significant leverage for settlement. You can also file a complaint with the Collection Service Board against an unlicensed or noncompliant agency. The Board has authority to fine, suspend, or revoke licenses.
Can a Tennessee debt collector sue me on a medical bill from years ago?
Tennessee applies a six-year statute of limitations on most contracts under T.C.A. § 28-3-109, although shorter periods can apply depending on the type of contract and whether the underlying transaction is treated as a sale of goods under the UCC. Medical debt is typically treated as an account or open account, and Tennessee courts have generally applied the six-year period to written account debts. The clock starts on the date of the first missed payment that was never cured. Once six years have passed without a payment or written acknowledgment, the debt is generally time-barred. Making a partial payment or written acknowledgment can restart the clock, so do not pay anything on an old medical debt without legal advice. Recent Tennessee and federal reforms have also addressed how medical debt can be reported to credit bureaus and how soon it can appear, but those reforms do not eliminate the underlying obligation. If you are sued on a stale medical debt, raise the statute of limitations as an affirmative defense in your answer.
How much of my paycheck can be garnished in Tennessee?
After a judgment, Tennessee wage garnishment is generally capped at the lesser of 25% of disposable earnings or the amount by which your disposable earnings exceed 30 times the federal minimum wage per workweek. Tennessee provides an additional consumer protection through T.C.A. § 26-2-106, which allows a $2.50 per week reduction in the garnished amount for each dependent child under 16, up to a cap. The dependent reduction must be claimed by the debtor by filing a sworn statement with the court. Disposable earnings means what is left after legally required deductions like federal and state taxes and mandatory retirement contributions. Federal student loans, taxes, and child support follow different rules and can result in garnishments above the 25% cap. If a collector tells you they will garnish more than 25% of a non-government debt or fails to honor the dependent reduction, that conduct can be a violation of the FDCPA and the Tennessee Consumer Protection Act.
What is the Tennessee Consumer Protection Act and how can it help against a debt collector?
The Tennessee Consumer Protection Act at T.C.A. § 47-18-104 prohibits unfair or deceptive acts or practices affecting trade or commerce in Tennessee. The Tennessee Attorney General's Division of Consumer Affairs administers the Act and accepts complaints, and the statute also creates a private right of action for individual consumers. Tennessee courts have applied the TCPA to consumer debt collection conduct, particularly where a collector made false statements about the amount or character of a debt, misrepresented its authority, or used unconscionable tactics. Damages under the TCPA can include actual damages and, in cases of willful or knowing violation, treble damages, plus attorney fees. Stacking a TCPA claim with a federal FDCPA claim and a Tennessee Collection Service Act argument can substantially increase leverage in settlement discussions. To preserve TCPA claims, document the collector's conduct in writing as it happens, keep all letters and recordings, and consider consulting a consumer attorney about both defense and counterclaim strategies.
Sued by Unifin Inc. in Another State?
Unifin Inc. files cases nationwide. Select your state for the response deadline, statute of limitations, and state-specific defenses.
Sued by a Different Collector in Tennessee?
The 30-day Tennessee response deadline applies no matter who sued you. Pick the creditor on your summons for creditor-specific defenses.
This page summarizes public information from the CFPB Consumer Complaint Database, CFPB enforcement records, and Tennessee state law. It is not legal advice. Statutes and court rules change — consult a licensed attorney in Tennessee for guidance on your specific case.
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