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Who is Frost-Arnett Company?

Established in 1893, Frost-Arnett Company is one of the oldest debt collection agencies in the United States. It is headquartered in Nashville, Tennessee, with additional offices in Kentucky and Texas.

If ‘Frost Arnett Comp’ or a similar entry appears on your credit report, it indicates that a debt you owe has been passed on to this agency for collection due to non-payment.

Who does Frost-Arnett collect for?

Frost-Arnett specializes in the collection of medical debts. They partner with healthcare providers, including hospitals, medical practices, and other health service providers to manage their unpaid invoices. When patients fail to pay their medical bills, these healthcare providers transfer the responsibility of debt collection to agencies like Frost-Arnett.

Is Frost-Arnett legit or a scam?

Frost-Arnett is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Frost-Arnett from my credit report?

Frost-Arnett collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Frost-Arnett Company Contact Information


Frost-Arnett Company
2105 Elm Hill Pike Ste 200
Nashville, TN 37210

Frost-Arnett Company
1327 E Broadway St.
Campbellsville, KY 42718

Frost-Arnett Company
10700 Richmond Ave Ste. 256
Houston, TX 77042

Mailing address:

Frost-Arnett Company
P.O. Box 198988
Nashville, TN 37219

Customer service phone number: (855) 287-7043

Should I contact or pay Frost-Arnett?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Frost-Arnett is to work with a credit repair professional. They help remove millions of negative items every year from companies like Frost-Arnett on behalf of their clients.

Will Frost-Arnett sue me or garnish my wages?

As a debt collection agency, Frost-Arnett is entitled to sue you to collect the debt they are owed. However, they would typically only resort to this step if other collection efforts have been unsuccessful. If they win the lawsuit and get a judgment against you, they might be able to garnish your wages, depending on the laws in your state.

Frost-Arnett Company Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with Frost-Arnett, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Frost-Arnett Company

Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that a debt collector doesn’t take advantage of you. In particular:

  • It is a violation of federal law for Frost-Arnett to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send Frost-Arnett a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Frost-Arnett cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Frost-Arnett must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Frost-Arnett cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Frost-Arnett Collections From Your Credit Report Today!

Credit Saint can help you dispute Frost-Arnett collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.