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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Frost-Arnett Company Contact Information
Addresses:
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 Credit reports can contain errors or list debts that are no longer valid.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 offers assistance with disputing Frost-Arnett collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
