TN-Specific Legal Documents

TN Civil Warrant Sworn Denial

Tennessee General Sessions Court debt-defense package built around the official Sworn Denial form. Under Tenn. Code Ann. § 24-5-107, a sworn account is treated as proof against you unless you deny it in writing — this package includes the denial, a plain-English guide to how debt cases actually work in General Sessions Court, and a screening checklist for the defenses that most often apply.

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What's Included

Sworn Denial statement of defenses (Tenn. Code Ann. § 24-5-107)
Debt-buyer documentation demand (Tenn. Code Ann. § 20-6-104)
Third-party collection agency licensing check (Tennessee Collection Service Act, § 62-20-101)
Statute of limitations screening for time-barred debt (Tenn. Code Ann. § 28-3-109)
$10,000 personal property and bank account exemption guidance (Tenn. Code Ann. § 26-2-103)
Exemption filing-timing warning — protects funds only if filed before garnishment (Tenn. Code Ann. § 26-2-114)
10-day appeal deadline to Circuit Court (Tenn. Code Ann. § 27-5-108)
Judgment duration and renewal explanation (Tenn. Code Ann. § 28-3-110)
Plain-English guide to being sued for debt in Tennessee

Tennessee Legal Authority

  • •Tenn. Code Ann. § 24-5-107 (Sworn Account)
  • •Tenn. Code Ann. § 20-6-104 (Debt Buyer Documentation)
  • •Tennessee Collection Service Act, Tenn. Code Ann. § 62-20-101 et seq.
  • •Tenn. Code Ann. § 28-3-109 (Statute of Limitations on Contracts)
  • •Tenn. Code Ann. § 26-2-103 (Personal Property Exemption)
  • •Tenn. Code Ann. § 26-2-114 (Exemption Claim Timing)
  • •Tenn. Code Ann. § 27-5-108 (Appeal to Circuit Court)
  • •Tenn. Code Ann. § 28-3-110 (Judgment Duration)

Frequently Asked Questions

What happens if I do not deny the sworn account?

Under Tenn. Code Ann. § 24-5-107, an unanswered sworn account is treated as proof of the debt against you. Filing a written denial forces the plaintiff to prove the debt instead.

Is a civil warrant a criminal matter?

No. In Tennessee, a civil warrant is simply how a lawsuit starts in General Sessions Court. It is not an arrest warrant.

How long do I have to appeal if I lose?

Ten days from entry of judgment, to Circuit Court, under Tenn. Code Ann. § 27-5-108. The appeal is heard from the beginning (de novo).

Disclaimer: This package provides a blank self-help legal form and general legal information for Tennessee General Sessions Court. It is not legal advice and does not create an attorney-client relationship. Consult a licensed Tennessee attorney or legal aid office for advice on your specific situation.

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