Frequently Asked Questions

This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.

Who is Frost-Arnett Company?

Frost-Arnett Company is a debt collector with over 120 years of experience. We have been a longtime member of ACA International and are committed to excellence and customer service in all aspects of the collections process.

Is Frost-Arnett Company a scam?

Frost-Arnett Company is not a scam. We are a third-party debt collector with over 120 years of experience and a longtime member of ACA International.

Unfortunately, there are some agencies that do not follow the Fair Debt Collection Practices Act’s (FDCPA) guidelines and hurt the reputation of debt collections agencies that do. We pride ourselves on being professional, courteous, and helpful. If you believe that one of our representatives has acted against the FDCPA, either through contacting you inappropriately or in another way, please let us know immediately.

What types of creditors do Frost-Arnett Company represent?

Frost-Arnett Company is a third-party debt collector that works on behalf of healthcare providers.

For more specific information about the healthcare provider linked to your account, please call to speak with one of our account representatives at 855-287-7043. If you believe we are contacting you in error, please let us know through our online contact form. Our goal is to make the collections process as easy as possible for both our client and the consumer.

Why is Frost-Arnett Company contacting me?

Frost-Arnett Company is a licensed third-party debt collector and a member of ACA International. If you have been contacted by one of our representatives, it is because we have received information from one of our clients that potentially links you to a past due account. If you believe we are contacting you in error or you would like to stop receiving phone calls, please let us know via our online contact form. If you have questions or would like to speak about your debt further, you may call us directly at 855-287-7043 on Monday—Thursday from 8:00 a.m.—7:00 p.m. CST or Friday from 8:00 a.m.—5:00 p.m. CST.

I recognize the debt, but the outstanding amount does not seem right. What should I do?

We do not want you to pay an amount that you don’t owe. Give us a call at 855-287-7043, and one of our representatives can help you. It may take a little bit of time to figure it out, but by working together, we should be able to come up with a resolution.

I do not recognize this account as mine. What should I do?

Sometimes, the account may be legitimate, but you do not recognize it because the company you owe the account to has gone through a name change or has been acquired by a larger company. In these cases, the debt is still legitimate.

However, if you still believe the account we have contacted you about is not yours, our representatives can help. If you have questions or would like to dispute your debt, please contact us online or call 855-287-7043 for help.

How can I stop collection calls?

Receiving numerous calls from a collection agency can be overwhelming and frustrating. While it can be tempting just to ignore the calls so that you don’t have to deal with the collector, we are unable to help you unless we receive notice of the problem. The good news is that there are simple and effective things you can do to get a collection agency to stop contacting you. Whether you are receiving calls in error for a debt you do not owe or would simply rather resolve your debt issues in another fashion; every consumer has the right to stop collection calls.

The Debt Collector is Calling the Wrong Person
If you would like Frost-Arnett to stop calling you for any reason, you simply need to let us know by either completing the online form or calling us at 855-287-7043.

The Debt is Yours, But You Want to Stop Calls
It is your right, as outlined in the Fair Debt Collection Practices Act (FDCPA), to choose how a collection agency contacts you. Whether you prefer to be contacted by phone, written communication, or both, collectors must comply with your request. As mentioned above, the easiest way to do this is to ask the agency to stop calling you next time they attempt to get in touch. Sometimes collectors will even offer an online form to help expedite the process. If you still receive calls after requesting for them to stop, it may be necessary to send a formal cease and desist letter.

Stopping Calls from Frost-Arnett Company
As a third-party debt collector that operates in accordance with the FDCPA, we will respect your request to stop calling. You may let us know to stop calling your phone number by either completing the online form or calling us at 855-287-7043.

How can I dispute a debt?

If you have an account with a debt collector but do not recognize the debt or disagree with the amount owed, you can dispute it under the Fair Debt Collection Practices Act (FDCPA). A dispute must be submitted in writing. If you submit a dispute within 30 days of receiving an initial collection notice in the mail, the debt collector cannot call or contact you until after your dispute has been investigated and you have been provided proof of the debt in writing. If you submit a dispute more than 30 days after the initial collection notice, the debt collector can continue to contact you while investigating your dispute. If your account has been reported to a credit bureau, the debt collector must inform them that the debt is disputed.

If you want to submit a dispute, you should make your letter clear and concise. Be sure to provide the reason why you are disputing the debt. Any information that can help support your dispute should also be included. If you want to dispute a debt with Frost-Arnett, you may send it in writing to the following address:

Attn.: Dispute Resolution Department
P.O. Box 198988
Nashville, Tennessee 37219-8988

You may also submit a dispute using our online contact form. If you have any questions, please feel free to contact one of our representatives at 877-290-9291.

How can I pay my account?

You pay your account through Frost-Arnett Company. The company you originally incurred the debt with has contracted us to help them resolve your account.

The easiest way to pay off your account is by working with one of our representatives over the phone. Most accounts are resolved this way. A representative can even work with you to create a flexible and convenient payment plan. You may also pay online through our Make a Payment page, by mail or simply call us at 855-287-7043 and we’ll take your payment over the phone.

I cannot afford to pay this account. What can I do?

We seek to help you with your debt and take a step toward having more control of your financial future. We do not require that you pay off the debt you owe all at once, and we do not want you to pay more than you are able to at any one time. At your request, one of our representatives can create a reasonable, automated custom payment plan for you. You can also make partial payments to your account online at your convenience here.