If Frost-Arnett has contacted you about an unpaid debt, you might be worried that they’ll take you to court if you don’t meet their demands. However, you don’t need to panic yet. If you do, you could end up paying debts you don’t actually owe or even sending payments to the wrong place.
Instead, stay calm, take a deep breath, and read on to find out what you can do to get Frost-Arnett off your back permanently.
Table of Contents
What is Frost-Arnett?
Founded in 1893, Frost-Arnett Company is a debt collection agency that exclusively collects medical debt. 1 They’re headquartered in Nashville, TN and have offices in Campbellsville, KY and Houston, TX. 2
In addition to collecting debts, Frost-Arnett provides the following services: 3
- Early-out billing
- Insurance follow-up
Who does Frost-Arnett collect for?
As mentioned, Frost-Arnett exclusively collects medical debt. Their clients include hospitals and medical care providers.
If you start receiving communications from Frost-Arnett or see their name on your credit report, it means that they’re trying to collect payments on an unpaid medical bill they think you have.
Is Frost-Arnett a scam?
No, Frost-Arnett Company isn’t a scam. They’re a legitimate debt collection agency with accreditation by the Better Business Bureau (BBB) and membership with ACA International. 4 5
In fact, in 2016, Frost-Arnett was a finalist for the Better Business Bureau’s Torch Award for the large business employer category’s Marketplace Ethics. 4
However, this doesn’t actually mean that they’ll always behave ethically. Like many debt collection agencies, Frost-Arnett has faced litigation for violating consumer rights. 6
It’s also possible for scammers to pose as representatives from Frost-Arnett Company to try to collect money from you. For this reason, it’s important to always verify the validity of any debts you’re contacted about before you make any payments. To do so, contact Frost-Arnett directly using the contact information below.
Frost-Arnett may still behave unethically
Even though Frost-Arnett isn’t a scam, it’s possible they’ll still do something that violates your rights under the Fair Debt Collection Practices Act (FDCPA). Your rights (and how you can enforce them) are outlined further down in this article.
VIDEO: Frost-Arnett in 2 Minutes—Fix Your Credit Report & Know Your Rights
Medical collections vs. non-medical collections
Frost-Arnett often deals with medical bill collections. Medical and non-medical collections have some key differences in terms of how the debt is handled by debt collection agencies, the credit bureaus, and the main scoring models.
If you see medical debt on your credit report, there are a few implications you should be aware of:
- Your debt is already more than a year old: Medical institutions usually wait 60–120 days before selling your debt to debt collectors. 7 After that, the credit bureaus wait an additional 1 year before adding the collection account to your report to give you time to make arrangements with your insurance company or set up a payment plan.
- Frost-Arnett might own your debt: Medical institutions don’t generally report to the credit bureaus. For this reason, the fact that your debt is showing up on your credit report may indicate that it was sold to a company that does report to the bureaus, although it’s possible the medical institution simply hired them as well.
- Medical collections aren’t as harmful to your credit: Although medical bills do affect your credit score if they’re sent to collections, in newer credit scoring models developed by FICO and VantageScore (specifically FICO 9 and VantageScore 4.0), medical collections don’t hurt your credit score as much as non-medical collections. 8 9
Why is Frost-Arnett calling me?
The reason debt collectors call you is that they believe you have an outstanding debt. When Frost-Arnett calls, ask them to send a written notice detailing the debt they’re collecting, known as a debt validation letter, if they haven’t already.
In accordance with the FDCPA, all debt collectors are required to send this letter within 5 days of first contacting you. 10 It must contain the following information:
- The amount you owe
- Your name
- A statement informing you of your right to dispute the debt within 30 days of receiving their letter
- A statement informing you that if you dispute the debt in writing, they must mail you evidence of the debt within the 30 days
- A statement informing you that within 30 days after you’ve received the letter, you can send them a written request to provide the name and address of the lender or healthcare provider that sold them the debt
Frost-Arnett representatives will keep trying to contact you unless you either pay the debt or reach an agreement with them.
However, there are restrictions on how they can go about contacting you.
Restrictions on Frost-Arnett
The FDCPA protects you from debt collector harassment by making it illegal for debt collectors to do any of the following: 10
- Call you multiple times per day
- Call you at night (before 8 am or after 9 pm, your time)
- Call you at work if you tell them you can’t receive calls at work
- Make automated calls or send pre-recorded messages telling you to make payments
- Contact any third party, including your family, friends, or coworkers, to discuss your debt
- Intimidate you or threaten to harm you, sue you, arrest you, or damage your credit
- Lie about your debt and try to collect more than you owe
- Accuse you of breaking the law or claim that not paying might result in jail time (you can’t go to jail over unpaid debt, unless you owe money to the IRS because you intentionally committed tax fraud)
It’s a good idea to familiarize yourself with your rights by reading the FDCPA and Telephone Consumer Protection Act.
Can I sue Frost-Arnett for harassment?
Yes, you can sue Frost-Arnett for harassment. If you can show that the debt collection company has violated your rights under the FDCPA, then you can collect $1,000 in statutory damages for each violation as well as payment for any damages that you’ve sustained as a result of their violation.10 Frost-Arnett will also be required to pay your attorney fees and court costs.
How to file a complaint against Frost-Arnett
If Frost-Arnett has violated your rights under the FDCPA or done something illegal, then you can report them to the Federal Trade Commission, the Consumer Financial Protection Bureau, or your state attorney general. From there, you’ll be able to find out whether you can also sue Frost-Arnett.
Another option is filing a complaint on the Better Business Bureau (BBB) website, but this might not have the outcome you’re hoping for.
Bear in mind that the BBB is actually a private organization that has no affiliation with the US government. They’ll forward your complaint to Frost-Arnett, but there’s no guarantee that the agency will address it in a satisfactory manner.
What’s more, if your dispute is sent to an arbitrator, then you may give up your right to take Frost-Arnett to court.
How to get Frost-Arnett off your credit report
If your credit score is suffering as a result of Frost-Arnett debt, then don’t worry. You can get medical collections removed from your credit report by following these steps:
- Tell Frost-Arnett to stop calling you
- Ask your insurance provider to cover your debt
- Send a debt verification letter
- Send a credit dispute letter
- Consider paying the debt
- Negotiate a debt settlement and/or “pay for delete”
- Get help from a credit expert
Everyone should follow the first three steps. The ones after that are situational, and you should follow the ones that are appropriate for your circumstances.
Before you do anything else: Ask Frost-Arnett to stop calling you
It’s important to keep a paper trail of all your communications with Frost-Arnett, so make sure to only communicate with them in writing. Make sure to date your letters and send them by certified mail. If you’re not sure where to start, then check out the sample letters provided by the CFPB.
If you ask Frost-Arnett to stop contacting you altogether, then they’re legally obligated to do so. 10 However, ignoring debt collectors can have negative consequences—in the end, you may get sued, and you may even have your wages garnished. It’s smarter to engage with them tactically to ensure you don’t have to pay, or you get the best deal you can.
If you owe medical debt: Ask your insurance provider to cover it
Unlike other types of debt, medical collections are deleted from your credit report if you pay them. If you can get your health insurance company to pay off the debt that Frost-Arnett is trying to collect, it will immediately be deleted and will stop affecting your credit score.
This will also happen if you pay off your debt yourself. However, that will obviously cost you, so if your insurance won’t cover the debt, you should probably hold off paying until you explore some of the other options below.
If that doesn’t work: Send a debt verification letter
Sending a debt verification letter asking the collection agency to provide evidence of your debt is one of the quickest and easiest ways of getting rid of a debt item in your credit history. It’s also an easy way of figuring out if the debt collector is a scam agency.
When you send a debt verification letter, third-party collectors like Frost-Arnett are legally required to show evidence that you have an outstanding debt. If they can’t do that, then they have no choice but to delete it from your records. 11
Once Frost-Arnett receives your debt verification letter, they’re also required by law to stop contacting you about your debt until they’ve sent you evidence that you actually owe it. 10
Debt collection agencies sometimes don’t have adequate evidence, whether you owe the listed amount or not. If Frost-Arnett isn’t able to verify your debt (or if you discover that the debt is more than a few years old), then proceed to the next step.
On the other hand, if it turns out that your debt is both legitimate and recent, then proceed to one of the steps after that, depending on your circumstances.
If the debt is old or invalid: Send a credit dispute letter to the three credit bureaus
You can write a credit dispute letter to Experian, Equifax, or TransUnion to delete the collection account from your credit report if the debt is an error or it’s past the 7-year credit-reporting limit.
When you dispute the item on your credit report, make sure to send along any supporting documentation that you have on hand. Credit bureaus have 30 days to respond to your dispute. If they don’t, then they’re legally obligated to remove the debt item.11
If your debt is invalid or time-barred (meaning it’s passed the statute of limitations on debt in your state), then you can also send Frost-Arnett a letter telling them to stop contacting you. However, this doesn’t affect the status of your debt, so it’s not a good idea if your debt is still current.
How to tell if your debt is past the statute of limitations
The statute of limitations on most debts is between 3 and 6 years, but this depends on several factors, including the state you live in. The best approach is to check your state attorney general’s website and email their office if the information you’re looking for isn’t available online.
If the debt is recent: Consider paying it
If you still owe the debt and it’s too soon to get it removed from your credit report, you’ll probably have to pay it.
As mentioned, when you pay off a medical debt in collections, it will immediately be removed from your credit report, so this won’t just get the Frost-Arnett off your back—it will also lead to a complete recovery in your credit score.
If you can’t afford to pay in full: Negotiate for a debt settlement
If your debt is too large to pay off, there’s a chance that Frost-Arnett will accept less than the full amount you owe (a practice known as debt settlement) in order to minimize their losses. This is more likely the older your debt is, because agencies know that older debts are harder to collect payments for.
Before trying to settle medical collections, you should carefully review your financial situation and come up with a realistic amount to offer. If you want, you can negotiate through a debt settlement agency, but be wary of scammers and avoid companies that charge you large amounts upfront.
Alternatively, you can just speak to someone from Frost-Arnett over the phone. However, you should make sure to get the agreement in writing before you make any payments.
Bear in mind that debt settlements still hurt your credit score, and like most other negative marks, they’ll remain on your credit report for up to seven years. 12 With that said, lenders will probably look more favorably on a settled debt than a debt in collection.
When you propose a settlement, consider asking for “pay for delete”
You might be able to convince Frost-Arnett to remove your settled debt from your credit report by sending a pay-for-delete request.
A pay-for-delete letter initiates a negotiation where you agree to pay off your debt, and in return, Frost-Arnett promises to remove the negative mark on your credit report that’s associated with it.
The first step is to use a pay-for-delete letter template to draft your letter and send it to Frost-Arnett. It’s very important to get written confirmation that they’ll remove the collection from your credit report once you’re all paid up.
Once you’ve received written confirmation from Frost-Arnett and paid your debt, you should monitor your credit reports to make sure that they follow through. If the collection account is still on your credit report in a couple of months, then follow up with them and use the letter they sent you to remind them of their obligation.
If you feel overwhelmed: Get help from a credit repair company
If you feel like you might be in over your head, then seek professional assistance from a credit repair expert to remove Frost-Arnett collection items from your credit report. This can save you time and help you avoid the frustration of trying to remove their negative marks on your own.
Ultimately, most collection accounts will stay on your credit report for 7 years after your first missed payment. Even if you pay off your debt to Frost-Arnett, it will probably remain on your credit report unless you can persuade the collection agency to remove it.
Learn more about Frost-Arnett’s impact on your credit score:
- Does paying off collections improve your credit score?
- How many points will my credit score increase after I pay off collections?
- How to rebuild your credit after having a debt sent to collections