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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.

City guides

Dealers in these Tennessee cities

Nashville – Repo Sources Memphis – Repo Sources See all 50 city guides →
Tennessee repossession law context
Key legal framework for lenders and dealers assigning accounts in Tennessee. Always verify current requirements with qualified legal counsel.
Agent licensing No specific state licensing for repossession agents
Self-help repossession Allowed under UCC Article 9 — peaceful possession required
Disposal notice 10 days notice before disposal with right to redeem
Deficiency rules Deficiency allowed after commercially reasonable sale and proper notice
Regulator Tennessee Dept. of Commerce and Insurance – Consumer Affairs

Lender/dealer tip: Tennessee has no repo agent licensing requirement. Nashville's rapid population growth has increased default volumes — vendors familiar with the Nashville metro's geography (which sprawls significantly) are valuable.

This is an informational summary only and not legal advice. Consult qualified legal counsel before establishing repossession procedures in Tennessee.