Small Claims Court for Payment — Tennessee

Looking for advice on a legal issue in Tennessee. Here's what happened.

Square terminated my account. I've been dealing with this for about 12 weeks now and the situation isn't improving.

The amount being held/disputed is approximately $19,983. I have tried contacting their legal department 3 times with no resolution.

Am I overthinking this or is this a real legal issue worth pursuing?

Just want to point out — the statute of limitations might be a factor here. In some states it's as short as 1-2 years. Don't sit on this too long.

Attorney here. Here's my take on the legal issues.

Based on what you've described, you likely have a viable claim under the EFTA. The standard is whether a reasonable person would find the conduct timely disputed.

Before taking legal action, consider sending a formal demand letter. In many cases, this alone resolves the issue.