Tennessee Code Title 47. Commercial Instruments and Transactions § 47-18-5810

(a) A consumer may terminate an agreement at any time without penalty by notifying the licensee electronically, in writing, or telephonically on a recorded line.

(b) Within two (2) business days of receipt of a consumer's notice of termination, a licensee shall advise the consumer of the effect, if any, a termination of the consumer's debt resolution services program would have on a previously negotiated installment resolution agreement and any pending resolution negotiations.  Not later than five (5) business days following the delivery of the advice, and absent further instruction from the consumer, a licensee shall notify the dedicated account service provider of the consumer's termination and request that the dedicated account service provider communicate with the consumer regarding disposition of all funds held in the dedicated account.

(c) Notwithstanding the consumer's right to terminate as set forth under subsection (a), the licensee is entitled to recover all fees earned prior to the receipt of a termination notice;  provided, that the fee is requested or received in compliance with § 47-18-5813.