In today's business environment dominated by automation, quick decisions and impersonal treatment, Frost-Arnett Company believes that people often make the difference and that our people are our best resource. In the final analysis, the collection of your delinquent accounts depends on an individual, one person dealing directly with another. In the eyes of your debtor, this individual is your company, representing your policies, procedures and attitudes toward those with whom you do business. And only at this point is there a real and measurable difference in the successful collection of debts. Our reputation and growth are based on our belief that our people make the difference.

Many times, failure in the collection of delinquent accounts is the result of a breakdown in communication. A loss of understanding. We strive to keep those lines of communication open, to empathize with you as a client as well as your debtor. As long as we continue to understand the problems of those who owe money, the chances are excellent that debts will cease to be debts.

Because of our experience and commitment to personal attention, we have learned not to stereotype either our clients or their debtors. Each is different from the next. Frost- Arnett Company takes an account with the idea that the debtor really wants to pay. From there we dig beyond the basic demand for payment and explore all the possible avenues for recovery. Many times, it's the belief that the debt can't be paid that keeps a debtor from trying to pay his account. This is where understanding and personal attention can mean the difference between a quick recovery and a long, drawn-out possible loss.

Our objective is to provide you the information necessary to asses our company, its collection philosophy, objectives and techniques which will encourage you to arrive at a favorable decision regarding the utilization of our services.