A: Answering your question invites a discussion of the "statute of limitations". The law encourages prompt resolution of debt issues. The longer resolution is delayed, the greater the risk of harm to either party. Tennessee has established time limits on seeking the court's help in collecting a debt. If the collection process involves using the court system, the creditor/plaintiff must file the action within the time limits in TN. If the claim is not filed within the time limites, it is deemed "unenforceable". You must raise that defense or you risk losing your defense. Good luck to you.