How does your Tennessee debt collection agency work?

At Miller, Ross & Goldman, our Tennessee commercial debt collection process is designed to be both effective and professional. We begin with a thorough review of your overdue accounts to understand the nature of the debt, the debtor’s profile, and any prior collection efforts. From there, we implement a multi-step recovery strategy that includes persistent phone outreach, formal demand letters, email communication, skip tracing to locate hard-to-reach debtors, and, when necessary, in-person visits.

When should I hand over my accounts to you?

Timing is critical when it comes to successful commercial debt recovery in Tennessee. If a customer account is more than 60 days overdue and you’re experiencing ignored invoices, unanswered calls, or broken payment promises, it’s a strong indicator that internal efforts may no longer be effective. Accounts that reach 90 to 120 days past due should be placed in collections immediately, as the likelihood of full recovery diminishes the longer a debt remains unpaid.

How long will it take for you to recover outstanding debts?

The timeline for recovering commercial debts in Tennessee depends on several factors, including the debtor’s financial situation, responsiveness, the amount owed, and whether legal action is required. However, more complex cases, such as those involving disputes, financial distress, or uncooperative debtors, may take longer and could require court intervention.

Will your services damage my customer relationships?

One of the biggest concerns businesses have when considering debt collection services is the potential impact on customer relationships. We act as an extension of your company, working to recover what is owed without resorting to aggressive or hostile tactics that could harm your reputation. Our collectors are trained to engage debtors in constructive dialogue, offering solutions such as structured repayment plans when appropriate. We aim to recover your funds and preserve future business opportunities whenever possible. If maintaining goodwill is a priority for you, we will tailor our strategies to align with your preferences, ensuring a balanced recovery process.

Tennessee Commercial Debt Collection Agency

Your Tennessee Commercial Collections Partner

For over 25 years, Miller, Ross & Goldman has been the go-to partner for businesses across Tennessee, helping them recover unpaid debts while safeguarding vital client relationships. Our role throughout the Volunteer State extends beyond that of a typical commercial collection agency—we provide customized solutions that support financial stability and growth. From the vibrant business hubs of Nashville and Memphis to the expanding markets in Knoxville, Chattanooga, and Murfreesboro, we bring a proven, results-oriented approach to commercial debt collection. Whether you operate a small business, mid-sized company, or a large corporation, our team consistently delivers superior outcomes compared to other agencies and law firms across Tennessee.

Why Wait? Get Paid!

"Hire and train the best, work harder than all the rest."

Don't Wait, Get Paid!

B2B (Business-to-Business) Debts Only

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95%

Consistent Collections
Success Rate

A+

Rated & Accredited by the Better Business Bureau

More $ Collected Over Competing Attorneys & Collection Agencies

Tennessee Commercial Debt Collection & Recovery Services

Commercial Debt Collection in Tennessee

Tennessee’s economy thrives on industries like healthcare, manufacturing, logistics, entertainment, and tourism, each presenting distinct challenges when it comes to debt recovery. At Miller, Ross & Goldman, we develop personalized collection strategies tailored to your industry and the realities of doing business in Tennessee. Our professional approach combines strategic communication, skilled negotiation, and legal expertise to recover outstanding payments efficiently, while maintaining the professional relationships you value.

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Nationwide Legal Support

While our primary focus is to resolve debts amicably, some cases require legal action. Tennessee businesses benefit from our experienced legal team, operating on a contingency basis, meaning no upfront fees. Whether we’re pursuing court judgments, enforcing liens, or leveraging legal remedies, we are committed to protecting your financial interests while staying fully compliant with Tennessee debt collection laws.

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Construction Lien Services

Tennessee’s booming construction and development sectors rely on timely payments to keep projects moving forward. When payment delays occur, our lien services offer critical protection for contractors, subcontractors, and suppliers. For qualifying Pre-Collect accounts, we provide lien services at no extra charge, helping Tennessee businesses secure what they’re owed and keeping projects on track.

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Our Commitment to Your Success

Our 100% contingency-based, or guaranteed pay-for-performance, fee structure means we earn only when we achieve success for our Clients. The moment your company becomes a Miller, Ross & Goldman Client, our extensive resources and proven expertise will be at your disposal immediately. Our sole purpose: Get you paid.

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Understanding Tennessee’s Debt Collection Laws

Navigating Tennessee’s debt collection regulations requires a clear understanding of both state-specific rules and federal guidelines. As your collection partner, we ensure full compliance while maximizing your recovery potential.

Statute of Limitations on Debt Collection in Tennessee

Tennessee law sets strict timeframes for pursuing unpaid debts:

Written Contracts – 6 years
Oral Agreements – 6 years
Promissory Notes – 6 years
Open Accounts (e.g., credit lines, invoices) – 6 years
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Once these deadlines pass, creditors lose the legal right to sue for recovery. Acting promptly is key to protecting your financial interests.

Tennessee Debt Collection Laws & Regulations

While Tennessee adheres to federal standards like the FDCPA, it also enforces its own state-level provisions:

No Special Licensing Required – Collection agencies do not need a specific Tennessee license but must comply with federal and state laws.
Pre-Judgment Remedies – Creditors can seek asset attachments before securing a judgment in certain cases.
Post-Judgment Enforcement – Tennessee judgments are valid for 10 years but can be renewed for extended enforcement.
Interest on Overdue Debt – Creditors may charge interest as specified in contracts; if unspecified, Tennessee law applies a statutory rate.

How Tennessee Debt Collection Laws Stand Out

Tennessee offers creditors solid legal tools, including renewable judgments and flexible pre-judgment remedies. With a uniform 6-year statute of limitations across most debt types, businesses have a clear window to act. Tennessee also permits reasonable attorney fees in specific cases, providing added leverage when legal recovery is necessary.