Tennessee Code Title 47. Commercial Instruments and Transactions § 47-18-5811

If a consumer fails to fulfill the consumer's contractual obligations on or before the sixth day after the consumer was required to fulfill the obligations, then the licensee may terminate its agreement with the consumer in writing, including electronically.  If the licensee terminates the agreement in accordance with this section, then the consumer does not owe any further payment to the licensee as of the date the licensee terminates the agreement, other than for the fees previously earned by the licensee.  Notwithstanding this part, if a consumer refuses to pay any fee to a licensee after the payment has been earned by the licensee, then the licensee may, upon proper notice to the consumer in writing, which may be provided electronically, terminate the licensee's agreement with the consumer immediately.