The Repo Directory

Tennessee · Dealer-focused repo agents

Tennessee Repossession Directory

Tennessee Repossession Agents for Dealers & Lenders

A vetted list of repossession agencies that actively serve Tennessee lenders, credit unions, and car dealers. Focused on professional collateral recovery across Nashville, Memphis, Chattanooga and East Tennessee.

Data is compiled from agency sites, repossession industry directories, and BBB-style listings. Always underwrite vendors to your own compliance and pricing standards before sending paper.

How we vet Tennessee agencies

Repossession / collateral recovery is clearly a core business, not just casual towing.
Verified Tennessee presence via website, directory listing, or long-term local footprint.
Signals like years in business, insured/bonded language, certifications or trade associations.
Forwarding-only and national broker networks are kept off this state page.

Quick coverage snapshot

Nashville · Middle TN

Memphis · West TN

Knoxville / Tri-Cities · East TN

Chattanooga corridor

Featured Tennessee repossession partners

Good starting points if you need to stand up a Tennessee panel quickly. Order here doesn’t imply ranking.

Nashville · Middle Tennessee

50+ years in business

Tennessee Auto Recovery

Full-service repossession company based around Nashville, covering roughly a 75-mile radius with experienced skip tracers and recovery staff.

Positions itself as a full-service repossession agency with 50+ years in the business.
Specializes in lender and finance company work around Middle Tennessee.
Offers online assignment and documented insurance/compliance information.

Memphis · West Tennessee

Locally owned · Mid-South

3 State Auto Recovery

Memphis-based repossession company focused on collateral recovery, collections and skip tracing across the Mid-South region.

Locally owned and operated with a dedicated repossession focus.
Covers Memphis and surrounding areas across TN / AR / MS, typically within ~50–100 miles.
Markets services directly to lienholders and finance clients.

East Tennessee

C.A.R.S. certified agents

T&T Auto Recovery (East Tennessee Asset Recovery)

East Tennessee-based repossession company providing full-service asset recovery, transport and repossessions, with certified recovery specialists.

Owners have law-enforcement backgrounds and emphasize professional, compliant recovery.
Covers a wide East Tennessee footprint from Athens, with C.A.R.S-certified agents.
Handles voluntary and involuntary repossessions plus transport and storage.

All vetted Tennessee repossession agencies in this directory

These agencies show a clear Tennessee footprint and repossession focus. This is not a complete list of every towing yard that occasionally does repossessions.

Tennessee Auto Recovery

Nashville / Mount Juliet, TN · Middle Tennessee

Full-service repossession agency with decades in the business, covering roughly a 75-mile radius of Nashville for lenders, banks, credit unions and dealers.

50+ years of repo experience Skip tracing & investigations Middle Tennessee coverage

3 State Auto Recovery

Memphis, TN · West Tennessee / Mid-South

Locally owned repossession company specializing in collateral recovery, collections, and skip tracing in the Memphis area and surrounding Mid-South region.

Memphis & Mid-South Collateral recovery & skip Dealer & lender work

T&T Auto Recovery (East Tennessee Asset Recovery)

Athens, TN · East Tennessee

Full-service professional asset recovery, transport and repossessions for East Tennessee, with C.A.R.S-certified recovery agents and dedicated repo equipment.

C.A.R.S-certified East Tennessee coverage Voluntary & involuntary repos

First Response Towing & Recovery

Chattanooga, TN · Hamilton County & surrounding

Chattanooga-area recovery company frequently referenced as a repossession provider, with equipment and staffing for collateral recovery alongside towing operations.

Chattanooga repossessions Recovery & transport Dealer & finance clients

Henderson Recovery, Inc.

Memphis & Nashville radius, TN

Member of a national repossession trade association, providing debt collection and auto/asset repossession within roughly a 50-mile radius of both Memphis and Nashville.

AFA-member recovery firm Memphis & Nashville corridors Auto & asset repossession

Recovery Specialists of Tennessee

Elizabethton, TN · East Tennessee / statewide assignments

Full-service repossession and recovery company listed in industry directories as serving Tennessee lenders with a range of collateral types. Public web presence is limited; most relationships appear to be direct lender and network referrals.

Full-service recovery Directory-listed repo firm East Tennessee base

Asset Recovery Services – Tennessee Operation

Statewide coverage via multi-state operation

Multi-state repossession and asset recovery company with an operation covering Tennessee; insured, bonded and certified, and positioned toward banks and finance companies needing broader regional coverage.

Statewide / multi-state Insured & bonded Lender & remarketing support

Additional Tennessee vendors

There are more small independents, forwarding companies, and tow yards that handle repossessions in Tennessee. As we verify their repo focus, insurance and lender footprint, they may be added to this directory.

Smaller independents Forwarders & networks

This page is an informational starting point, not an endorsement. Before assigning accounts, verify each agency’s licensing, insurance, service area, fee schedule, and compliance practices with your own vendor-management process.