Mortgage deficiency SOL in Tennessee

Rule or statute summary

Run this scenario in DocketMath using the Statute Of Limitations calculator.

In Tennessee, the “mortgage deficiency” statute of limitations (SOL) snapshot uses Tennessee’s general limitations framework reflected in Tennessee Code Annotated § 40-35-111(e)(2). DocketMath treats this as the default rule for this Tennessee “mortgage deficiency SOL” calculation because no claim-type-specific sub-rule was found in the provided materials.

Mortgage deficiency disputes can arise from different procedural postures (for example, depending on the procedural pathway used to pursue or enforce a deficiency after a foreclosure-related outcome). Because Tennessee limitation periods can vary by procedure type and can depend on what event starts the clock, this page is best understood as a statute-of-limitations snapshot—not a tailored litigation strategy.

Bottom line for the calculator (default rule):

• General SOL period used: 1 year
• General Tennessee statute cited: **Tenn. Code Ann. § 40-35-111(e)(2)
• Claim-type-specific sub-rule: not found in the provided materials, so the general/default period is used.

Citations

DocketMath’s Tennessee deficiency SOL snapshot relies on:

• Tennessee Code Annotated § 40-35-111(e)(2) (general/default SOL period used in this snapshot)
  Source: https://law.justia.com/codes/tennessee/title-40/chapter-35/part-1/section-40-35-111/

Use these sources to confirm the authoritative text before finalizing the calculation.

• Tenn. Code Ann. § 28-3-104

How to read this in practice

1. Identify the Tennessee event date that starts the SOL clock for your situation (a triggering event in the procedural history).
2. Apply the 1-year limitation period used in this snapshot.
3. Compare the SOL expiration date to the date the claim is filed or otherwise asserted under the relevant Tennessee procedure.

Because limitation periods are date-driven, changes in the triggering event date can affect whether a claim is considered timely.

Use the calculator

Use DocketMath’s SOL tool here: /tools/statute-of-limitations

Run the Statute Of Limitations calculation in DocketMath, then save the output so it can be audited later: Open the calculator.

Capture the source for each input so another team member can verify the same result quickly.

Inputs to use (typical)

Enter the dates that match your timeline:

• Triggering event date (the date the SOL clock starts for your situation)
• Filing date / assertion date (the date the claim was filed, or the date it was otherwise asserted in a way that counts under the relevant procedure)

What DocketMath outputs

DocketMath will provide:

• Calculated SOL expiration date (triggering date + 1 year under the default rule)
• A timeliness result indicating whether the filing/assertion date falls before or after the calculated expiration date

Example (how outputs change)

Assume:

• Triggering event date: Jan 15, 2024
• Filing/assertion date: Feb 20, 2025

With the 1-year default period:

• SOL expiration date: Jan 15, 2025
• Filing/assertion date after the expiration date → the claim is flagged as outside the 1-year window.

If you instead change only the filing/assertion date to Jan 10, 2025, then it would fall within the calculated window.

Practical checklist (avoid input-date confusion)

• Confirm the triggering event date is the one that actually starts the clock for your procedural posture.
• Confirm the calculation uses 1 year (not a “365-day” assumption) as implemented by the calculator logic.
• Enter the actual filing/assertion date (not a mailing or notice date) unless your specific procedure treats that date as the operative “assertion” date.

Gentle disclaimer: This tool provides a general snapshot based on the default rule identified above. It does not substitute for advice from a qualified attorney who can evaluate your exact procedural posture and triggering-event facts.

Related reading

• Choosing the right statute of limitations tool for Vermont — How to choose the right calculator
• Statute of limitations in Singapore: how to estimate the deadline — Full how-to guide with jurisdiction-specific rules
• Choosing the right statute of limitations tool for Connecticut — How to choose the right calculator