How to Apply
Getting licensed as a Debt Collector in Tennessee starts with meeting the educational prerequisites set by the TN licensing authority. Once you have completed your training, you will need to register for and pass the State Debt Collection Exam. After passing, submit your application along with all required documents to the Tennessee state board.
Requirements
Tennessee has specific requirements for Debt Collector licensure that applicants must fulfill. You must be at least 18 years old and hold a valid government-issued identification. Educational requirements include completing an accredited program relevant to collect debts on behalf of creditors. A clean background check is mandatory in TN, and you must demonstrate good moral character. The State Debt Collection Exam must be passed with a minimum score set by the Tennessee board.
Fees & Costs
Tennessee sets the Debt Collector license application fee at $250. This is a one-time fee for new applicants in TN. Additional costs may include fingerprinting fees, background check fees, and exam registration. The total out-of-pocket cost for new licensees in Tennessee typically ranges from $250 to $450.
License Fee Calculator — Debt Collector in Tennessee
Renewal Process
Your Debt Collector license in Tennessee must be renewed every 1 year. The renewal fee in TN is $150. Tennessee requires completion of continuing education credits before renewal. Submit your renewal application at least 30 days before expiration to avoid late fees. Practicing with an expired license in TN can result in fines and disciplinary action.
License Expiry Calculator — Debt Collector in TN
Enter your license issue date to see when renewal is due. Tennessee requires renewal every 1 year.
Additional Information
Working as a Debt Collector in Tennessee offers numerous opportunities for career growth and professional development. TN has a robust job market for licensed professionals in this field. The state board actively works to streamline the licensing process while maintaining rigorous standards. Tennessee also participates in interstate licensing compacts, which may facilitate practice across state lines for qualified Debt Collector professionals.
Document Checklist — Debt Collector
0 of 5 documents ready
Frequently Asked Questions
License Reciprocity: Can I Use My Tennessee Debt Collector License in Other States?
Reciprocity varies by state. Always verify with the destination state's licensing board before practicing.
| Destination State | Reciprocity | Notes |
|---|---|---|
| Alaska (AK) | Full | AK accepts TN Debt Collector license via reciprocity agreement. |
| Alabama (AL) | None | AL does not recognize TN Debt Collector license. Full re-application required. |
| Arizona (AZ) | None | AZ does not recognize TN Debt Collector license. Full re-application required. |
| Arkansas (AR) | Full | AR accepts TN Debt Collector license via reciprocity agreement. |
| Colorado (CO) | None | CO does not recognize TN Debt Collector license. Full re-application required. |
| Delaware (DE) | None | DE does not recognize TN Debt Collector license. Full re-application required. |
| California (CA) | None | CA does not recognize TN Debt Collector license. Full re-application required. |
| Florida (FL) | Partial | FL requires additional exam or paperwork for TN license holders. |
Where to File Locally in Tennessee
Visit a licensing department office near you for in-person assistance.
Nashville
500 James Robertson Pkwy, Nashville, TN 37243
(615) 741-3449
Mon-Fri 8:00 AM - 4:30 PM
Memphis
125 N Main St, Memphis, TN 38103
(901) 576-6000
Mon-Fri 8:00 AM - 4:30 PM
Knoxville
400 Main St, Knoxville, TN 37902
(865) 215-2000
Mon-Fri 8:00 AM - 4:30 PM
Chattanooga
101 E 11th St, Chattanooga, TN 37402
(423) 643-7800
Mon-Fri 8:00 AM - 4:30 PM
Clarksville
1 Public Square, Clarksville, TN 37040
(931) 645-7444
Mon-Fri 8:00 AM - 4:30 PM
Official Tennessee Resources
Always verify requirements directly with the Tennessee state board. Regulations may change.
Tennessee Licensing Board
https://www.tn.gov/commerce
Contact Phone
(615) 741-3449
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US License Guide is a private informational resource and is not affiliated with, endorsed by, or connected to any federal, state, or local government agency. The information provided on this website is for general guidance purposes only and should not be considered legal or professional advice. Licensing requirements, fees, and procedures may change without notice. Always verify current requirements directly with your state's official licensing board before making any decisions. Use of this site does not create any professional-client relationship.