Debtor Creditor Relations - As enacted, requires, in an action on consumer debt filed in a general sessions court, the plaintiff to include certain information with a civil warrant or any other leading process used to initiate the action; requires, prior to an award of a default judgment, the plaintiff to present to the court documentation sufficient to demonstrate the authority of the plaintiff to collect the debt and certain agreements or records to demonstrate the existence of the consumer debt. - Amends TCA Title 20; Title 25 and Title 26.

This bill modifies Tennessee laws to strengthen protections for individuals facing consumer debt lawsuits. It requires creditors to include specific proof of the debt and their authority to collect it when filing a lawsuit, ensuring they can only sue for debts they have verified. Additionally, the law automatically shields up to $2,500 in a person's bank account from being seized to pay a judgment, provided they have not already claimed that specific account for another exemption. These changes apply to general sessions court cases involving personal, family, or household financial obligations.