If Frost-Arnett has appeared on your credit report or is calling you, the debt is a medical bill. Frost-Arnett has specialized in healthcare debt collection for 130 years and describes healthcare as representing approximately 99% of their revenue.
If Frost-Arnett is contacting you about anything other than a medical bill, investigate immediately for a scam, as impersonators actively use the Frost-Arnett name.
Three documented class action lawsuits over their letter practices, and a documented pattern of collecting while insurance disputes are being resolved, make verifying insurance billing records the most important first step. This guide covers who Frost-Arnett is, their complaint patterns, and how to respond.
Who Is Frost-Arnett?
Frost-Arnett Company is a family-owned, third-party medical debt collection agency founded in 1893 in Nashville, Tennessee by Richard M. Frost and George A. Arnett. The company is one of the oldest continuously operating debt collectors in the United States. It also operates under the names Nashville Adjustment Bureau and F.A. Management Company.
Frost-Arnett is BBB-accredited since 1961 with an A+ rating, despite a 1.3 out of 5 consumer star rating and 60+ BBB complaints in the past three years. They have accumulated 80+ CFPB complaints. The company has offices in Nashville, Campbellsville Kentucky, Houston Texas, and Delhi India.
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Three Class Actions Against Frost-Arnett
Frost-Arnett has been the subject of three class action lawsuits over their letter practices. Sholinsky v. Frost-Arnett settled for $90,000 after account numbers were found visible through envelope windows.
Golubchik v. Frost-Arnett alleged their letters failed to clearly explain that disputes must be submitted in writing. A third 2018 case alleged Frost-Arnett listed two identical debt amounts while stating only one was time-barred, leaving consumers unable to tell which was which.
If you received a Frost-Arnett letter with unclear dispute instructions, preserve it. A consumer protection attorney can evaluate whether it violated the FDCPA.
The Insurance Billing Dispute Pattern
The most common Frost-Arnett complaint involves collecting while insurance disputes are still being resolved. In one documented BBB case, a provider submitted an incorrect billing code, the claim was denied, and Frost-Arnett began collecting and adding interest before the insurance reprocessed. The consumer was a disabled veteran with Tricare secondary coverage that should have applied.
In a second case, a radiology provider sent a bill to Frost-Arnett due to their own paperwork error. Insurance subsequently paid, leaving only $10.58 in patient responsibility on a balance Frost-Arnett was pursuing in full.
Pull your explanation of benefits before paying anything. If the provider’s records show a different patient responsibility than what Frost-Arnett claims, send your EOB by certified mail and dispute with the credit bureaus simultaneously.
The Balance Discrepancy Problem
A documented consumer report describes Frost-Arnett demanding $2,416 for a hospital stay. The consumer’s insurance explanation of benefits showed only $70 in patient responsibility. The difference between what Frost-Arnett claims and what insurance records show is the most alarming documented pattern.
If Frost-Arnett’s claimed balance significantly exceeds what your insurance EOB shows as your patient responsibility, send your EOB to Frost-Arnett by certified mail and dispute the account with each credit bureau simultaneously.
The Impersonation Scam Warning
Scammers actively impersonate Frost-Arnett through fake text messages, emails, and phone calls. Legitimate Frost-Arnett contact will reference their Nashville Tennessee address or PO Box 198988, Nashville TN 37219.
If you receive a communication claiming to be from Frost-Arnett that asks for immediate payment via gift cards, wire transfers, or cryptocurrency, that is not Frost-Arnett. Verify independently by contacting Frost-Arnett directly at (855) 287-7043 before paying.
What Frost-Arnett Cannot Do Under Federal Law
The FDCPA applies to Frost-Arnett. Under federal law, they cannot:
- Show account numbers through envelope windows: Subject of the Sholinsky $90,000 settlement.
- Obscure the written dispute requirement in collection letters: Subject of the Golubchik class action.
- List multiple debts in ways that confuse consumers about time-barred status: Subject of the “Double Debt” class action.
- Collect on debts being actively disputed due to billing errors: A documented BBB complaint pattern.
- Add interest without authorization: Documented in the disabled veteran billing error case.
- Fail to provide itemized validation documentation: Documented in CFPB complaints.
File complaints at consumerfinance.gov. Tennessee residents can also file with the Tennessee Attorney General’s Consumer Affairs Division.
Medical Debt Reporting Rules Apply
Because Frost-Arnett is exclusively healthcare-focused, specific credit reporting protections apply. Medical debts under $500 are not reported, paid medical collections are removed, and unpaid medical debt has a one-year waiting period before reporting. If your account falls under any of these categories, dispute it immediately.
Verify Insurance Before Paying Anything
Pull your EOB from every insurer that should have covered the service. Compare what your insurer shows as patient responsibility against what Frost-Arnett claims. If the numbers differ, send your EOB to Frost-Arnett by certified mail and dispute with the credit bureaus simultaneously.
Request an itemized bill from the original provider showing all charges, insurance payments, and adjustments. A balance amount alone is not adequate validation.
How to Check Your Credit Report for Frost-Arnett Errors
Pull your credit reports from all three bureaus at AnnualCreditReport.com. Is the balance correct and does it match your insurance EOB? Is the account under $500 and therefore should not be reported? Any inaccuracy is grounds for a dispute with each credit bureau.
How Long Can Frost-Arnett Legally Pursue the Debt?
Tennessee has a 6-year statute of limitations on written contracts and open accounts. If you no longer live in Tennessee, the relevant state is typically where you currently reside.
How to Contact Frost-Arnett
Handle all communication in writing. Verify any contact is from the real company before paying:
- Address: Frost-Arnett Company, 2105 Elm Hill Pike, Suite 200, Nashville, TN 37210
- Mailing address: PO Box 198988, Nashville, TN 37219
- Phone: (855) 287-7043
Bottom Line
Frost-Arnett has three class action settlements covering letter transparency violations and a documented pattern of collecting on balances while insurance disputes are being resolved. Their most alarming consumer complaint is demanding thousands of dollars more than insurance records show as patient responsibility.
Compare your EOB to any Frost-Arnett balance before paying. Preserve any collection letter with unclear dispute instructions and consult a consumer attorney if the letter’s format matches the Golubchik or “double debt” class action patterns.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.