Free Help to Stop Frost Arnett Company Collections Harassment

How To Put An End to Unwanted Calls and Debt Collector Abuse and Threats.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Frost Arnett Company
Frost Arnett Company is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is Frost Arnett Company?

Frost Arnett Company (FAC) is a third-party collection agency based in Tennessee. Frost Arnett has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as failing to verify debts and using false or misleading language in an effort to collect a debt. If FAC has contacted you about past due collection items,make sure you understand your rights before responding.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Frost Arnett Company a scam?

They’re legit. According to the Better Business Bureau (BBB), Frost-Arnett Company, Inc. was founded in 1893 and incorporated in 1980. The BBB established a profile page for FAC in September 1961, and FAC has been a BBB-accredited business since October 1961.The BBB lists Frost Arnett as a collection agency that uses the alternate business names, Nashville Adjustment Bureau and F.A. Management Company. Buzzfile estimates Frost-Arnett Company’s annual revenue at $14.8 million and the size of its headquarters staff at 160 employees.

According to its website, FAC “has built a reputation for service and results that is second to none in the accounts receivable management… industry.” FAC states that its dedication to “consumer respect, superior recovery, and customer service”makes them “unique and has stood the test of time.”

Who does Frost Arnett Company collect for?

Frost Arnett Company collects delinquent debts exclusively for the healthcare industry. FAC offers services in 3 areas—collections, early-out, and extended business office. FAC’s collections division uses a “refined…approach to third-party collections that not only maximizes recovery but also protects patient-provider relationships and improves retention.” FAC’s early-out services “allow clients to focus on their entire billing process while FAC increases self-pay payments and provides valuable customer service.” Finally, FAC’s extended business office division “provides staff for special projects or to enhance existing operations with dedicated, trained, and competent” employees.

FAC is affiliated with several professional associations, including the International Association of Credit and Collection Professionals (ACA International); the Consumer Relations Consortium (CRC); and the Medical Group Management Association (MGMA). Their website does not provide a page with links and references to consumer protection resources, laws, and enforcement agencies. However, their Consumer Services tab includes a link to a Frequently Asked Questions page and a web-based contact form for submitting complaints and “do not call” requests.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against Frost Arnett Company?

As of September 2017, the Better Business Bureau reported 55 closed complaints against Frost Arnett Company during the last 3 years, including 19 closed within the last 12 months. The majority of the complaints are related to billing / collection issues. Overall, the Better Business Bureau has assigned a rating of A+ to Frost-Arnett. In addition, Justia lists five complaints filed in federal court against Frost-Arnett during the last 12 months, four of which allege violations of the Fair Debt Collection Practices Act, and one that sought a notice of removal. Further, the Consumer Financial Protections Bureau (CFPB) lists 28 closed FAC complaints during the last 12 months.

Contact Information

Frost-Arnett Company
2105 Elm Hill Pike STE 200
Nashville, TN 37210
Phone Number: 615-256-7156

Can Frost Arnett Company Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely FAC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can I file a lawsuit against Frost Arnett at no charge to me?

Absolutely.  You can sue a debt collector. Here is a Sample Complaint:

in 2018, a proposed class action claimed that Frost-Arnett Company sent to a consumer a collection letter in which it failed to fully apprise the man of his debt dispute rights. According to the suit, the notice failed to disclose that any dispute must be made in writing. By beginning the statement with “if,” the case argues, the letter falsely implied that the writing requirement was voluntary.

Complaints against Frost Arnett Company cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In May 2018, a complainant stated that he had been contacted by FAC regarding a medical bill, which he insisted was not valid. According to the complainant, FAC sent him a notice for a medical bill in the amount of $242.00. The complainant insisted that he had paid the outstanding amount in full earlier that month. After receiving the letter from FAC, he contacted his medical service provider, and they confirmed that he had paid the balance. They also said that it should not have been forward to FAC for collection. He contacted FAC and informed them that the bill had been paid. In addition, he requested that FAC “correct their records and mark this account as paid;… rescind this account back to” the original creditor; “contact ALL credit bureaus and rescind ANY negative filling against” him; and send a “letter…confirming this has been done and that the account is now closed and PAID.” The complainant also requested that FAC “develop a plan of action so they can adequately confirm a turn-around time of completion with the consumers and customers.” The complainant alleged that no one at FAC had any response to any of his requests. In its official response, FAC stated that they had “verified…that the consumer’s account was paid two days after the account was placed with” them. FAC declined to accept responsibility for the erroneous collection letter, stating that it is their “client’s responsibility to report payments made directly to their office… in a timely fashion.” FAC stated that they “do not own the account”; they “act only as an agent for the client”; and that “the client had not reported the payment the consumer made.” FAC apologized for “any inconvenience this created for the consumer,” closed the account, and ensured the complainant that “no derogatory information has been shared with any credit reporting agency.”

In February 2018, a complainant stated that Frost Arnett Company had attempted to collect a debt for medical services that she had not received. According to the complainant, FAC sent her a letter “saying she did not pay a medical bill.” She also said she “had previously received a letter…saying she did not pay them for testing they did.” The complainant had contacted her  doctor’s office, and they told her they had no record of having seen her “around the time the…test was done.” She said she had “tried to contact FAC to discuss the bill, but had not been able to get a hold of an actual person.” She was “supposed to get a call back and had not had that either.” In response, FAC stated that their “records do reflect that they had attempted to contact the consumer regarding this matter via phone but have not been successful in doing so.” FAC said they would “place the consumer’s account on hold and mail…an itemization of the charges the…client shows they have incurred. Upon receipt and the consumer’s review,” the complainant can contact FAC with“questions or additional concerns.” The complainant rejected the attempted resolution, stating she had “received no contact through phone from FAC and…had also requested a call back from them at her mobile phone number to which no calls were received.” The complainant expressed her willingness “to discuss these charges…because she was never seen at her doctor…on the day of those charges, and her insurance would have covered them if she did have the test that she was being charged for.”

Frost Arnett Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Consumers have reported this agency harassing them from the following numbers:

  • 800-264-7156
  • 615-256-7156
  • 800-264-8818
  • 502-423-8600

Can I sue FAC for harassment?

Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Stop Debt Collection Harassment

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“I was almost going nuts receiving calls every afternoon from a person using profane language to push me to pay debts I don’t owe. Someone I trust referred me to Lemberg Law, and I don’t regret having contacted them. The attorneys were very kind and always available when I needed them.”

“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”

Can You Help Me Delete Frost Arnett from My Credit Report?

Chances are good that we can help.  Call us today and we’ll explain.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • Luis A

    I receive several calls from Frost arnett.

  • Brenda B

    Getting a bill that I have no idea what from and does not have information as by law is required.

  • Trish R

    Frost Arnett has sent me a letter claiming that I have never paid on a debt that I have been paying every month for 3 years and 9 mos. I had open heart surgery which caused a hemorragic stroke in Jan of 2015. It has left me without the use of my right side. I am currently walking with a cane, and cannot work. I collect only Social Security benefits as my sole income. The doctor has been not accepting partial payment of $10.00 per month on a $5,000 debt which is the reason I have been placed with Frost Arnett in the first place.I have returned the letter to them with a note stating that I have been paying this debt and for how long. Is there anything I can do to rectify this situation? You may contact me by email only.

Leave a Reply or Comment

Write a comment below to share online. Or, instead you can to our legal team.

Please select your star rating.

Briefly describe your experience Briefly describe your experience

What’s your name? What’s your name?

What’s your phone number? Please enter a valid phone number

Want to know if you could sue? Get a free legal evaluation from Lemberg Law?

Get Your No-Obligation
Case Evaluation

Send a secure message to our legal team.

What’s your name? What’s your name?
What’s your email address? What’s your email address?
What’s your phone number? What’s your phone number?
Briefly describe the problem Briefly describe the problem
Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information.
By submitting above, I agree to the privacy policy and terms and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s).