Frost-Arnett on Your Credit Report? Fight Back and Win

Last Updated:
April 16, 2023

Are you looking for help in removing Frost-Arnett from your credit report? Established in 1893, the company provides third-party debt collection services, insurance resolution, and self-pay management services. Over the years, they have built a reputation as an aggressive debt collector who will pursue all available options to collect medical debts.

If unwanted phone calls, mail, or the presence of negative items on your credit report are driving you crazy, there’s good news. You have options. 

In this article, we'll cover the following:

  • Is Frost-Arnett a Legit Debt Collector Or a Scam?
  • What Healthcare Providers Does Frost-Arnett Collect For?
  • How Do I Contact Frost-Arnett?
  • Do I Have to Pay Frost-Arnett?
  • What Should I Do If The Debt Is Not Legitimate?
  • What Should I Avoid Saying When Talking to a Bill Collector?

Ready to remove Frost-Arnett from your credit report once and for all? Get in touch with us today. Read on to learn more about dealing with Frost-Arnett.  

Is Frost-Arnett a Legit Debt Collector Or a Scam?

Frost-Arnett is a legitimate and licensed debt collection agency. Despite their legitimacy, they have faced multiple consumer complaints and negative reviews. 

The Better Business Bureau (BBB) has registered 83 customer complaints against them within the last three years, mainly concerning billing or collection issues, as well as reports of harassment, like being called at odd hours.

If Frost-Arnett is attempting to collect debts that you have already paid or are otherwise not responsible for, the Federal Credit Reporting Act (FCRA) offers you protection. 

Per this law, debt collectors must remove any inaccurate information from your credit report. If they fail to comply, you may be eligible to pursue damages in court.

How Do I Contact Frost-Arnett?

Suppose you’ve been receiving calls from Frost-Arnet regarding an unpaid medical bill, but you're 100 percent sure this was a bill your insurance was supposed to handle. In this case, it may be worth investigating your credit report and contacting Frost-Arnett for more information concerning the alleged past-due bill. 

You can do so using the following contact details:

  • Phone Numbers: 1-855-287-7043 or 1-877-753-9851
  • Website:
  • E-mail:
  • Address: 2105 Elm Hill Pike # 200, Nashville, TN 37210

It's important to note that certain words should/should not be used when communicating with a debt collector. 

If you'd rather not deal with Frost-Arnett on your own and prefer assistance in removing them from your credit report, we're here to help. Contact us and let us know about the specifics of your case!

What Healthcare Providers Does Frost-Arnett Collect For?

Frost-Arnett collects for many healthcare providers, including hospitals, clinics, and private doctors’ offices. A few of their most notable clients include:  

  • Columbus Radiology
  • Digestive Health Management
  • Premiere Radiology, and many others. 

Keep in mind that this is not an exhaustive list. They are licensed to collect debt in all 50 states, so they likely service a lot of healthcare providers. 

If you’ve been called or received a letter from Frost-Arnett, the first thing to do is determine which healthcare provider the debt is for. Once you know the provider, contact them to verify the debt’s legitimacy and get any additional information you need to resolve the issue.

Do I Have to Pay Frost-Arnett? 

The answer to this question depends on several factors. Generally, If you owe Frost-Arnett money (and its legitimate debt), in most cases, it’s best to pay it off as soon as possible via a debt settlement agreement, payment plan, pay-for-delete, etc. 

If you don’t, they may take legal action against you to recover the debt. This could include:

  • Lawsuits
  • Wage garnishment
  • Property liens

However, there are some instances where not paying the debt could be more beneficial to your credit score. The most common example of this is debt that’s past the statute of limitations. 

Before you decide to pay the debt or ignore it, it’s in your best interest to consult with a proven attorney experienced in debt law. They will advise you of your rights and the best steps to remove Frost-Arnett from your credit as soon as possible. 

What Should I Do If The Debt Is Not Legitimate? 

If the debt you owe Frost-Arnett is invalid, you have the right to dispute it. Consult with Fair Credit - we can help you to decipher errors on your report. We will also dispute any errors on your behalf and ensure they come off of your report. According to the Fair Credit Reporting Act (FCRA), any inaccurate information on your credit report can be disputed, including debts you don’t owe.

If, however, the debt is validated, you can choose between negotiating a payment plan with Frost-Arnett or challenging them in court.

Remember that if the debt isn’t legitimate, you have no legal requirement to pay it. If Frost-Arnett continues harassing or reporting false debts against you despite your dispute, there may be grounds for legal action under FDCPA and FCRA laws.

What Should I Avoid Saying When Talking to a Bill Collector?

When dealing with Frost-Arnett or other debt collectors, being careful about what you say is crucial. To protect yourself from legal repercussions associated with debt collection proceedings, there are certain conversations that you should avoid. They include but aren’t limited to the following: 

  • Never admit that you owe the debt. 

Doing so could restart the statute of limitations on the debt and make it legally collectible again. 

  • Don’t make any promises to pay the debt, as this could create a legal obligation to pay the debt even if you are unable or unwilling to do so.
  • Refrain from getting into arguments or behaving aggressively toward the bill collector.

If you’re unsure how to handle a conversation with a debt collector, seeking advice from a qualified FCRA attorney may be beneficial. They will guide you in safeguarding your rights and ensure that no unintended admission of debt or legally binding promise is made in the process.

Get Frost-Arnett Off Your Credit - Contact Us Today

Struggling with debt and dealing with bill collectors can be an overwhelming experience. Fortunately, Fair Credit offers a way out of this situation. Our team of experienced FCRA attorneys will dispute any inaccurate debts, negotiate payment plans if necessary, and fight back against any illegal collection attempts.

If you want to take control of your finances and get Frost-Arnett removed from your credit report, contact us today for a free consultation. We’re here to inform you of your legal rights and provide the best strategies to protect your credit score and financial future.

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