Getting a collection from Frost Arnett on your credit report can be scary. You may not even recognize the name at first, which is why it’s so unsettling to find a collection from them on your report. Before you panic and react or whip out your wallet to pay it, you need to know who you’re dealing with.
Frost-Arnett Company, Inc. is a debt collection agency based in Tennessee. They’ve been around since 1893, primarily collecting medical debt on behalf of hospitals, doctors, radiology groups, and health systems across the US. The company is based at 2105 Elm Hill Pike, Suite 200, Nashville, TN 37210. Here is their basic information:
Frost-Arnett Company, Inc. 2105 Elm Hill Pike, Suite 200, Nashville, TN 37210 Phone: 1-855-287-7043 Years in Business: 133 years (founded in 1893) Contact Email: Not publicly available
The CFPB Complaint Database lists 242 complaints against Frost Arnett in the last three years, with other sources suggesting over 80 complaints per year. The Better Business Bureau shows between 60 and 83 complaints in three years, with 32 complaints closed in the last 12 months alone. On the BBB, they have an A+ rating but only 1.3 out of 5 stars from customers. Clearly, there’s a big disconnect between their industry rating and customer reviews. Why is that?
Additionally, the company was forced to pay a $90,000 class action settlement in the case of Sholinsky v. Frost-Arnett Company when it was discovered that account numbers were showing through the windows of collection letters, which is against federal law. The company has been named in over 100 federal lawsuits alleging violations of the FDCPA. Here’s one example of what’s going on from a recent BBB review:
"Troy B. (August 2025): Scam company. They text me about a bill supposedly owed to a hospital I haven’t been to in over 20 years. When they call you, the phone hangs up. I believe this is so they can claim they called you and you didn’t answer so you can’t dispute the fake charges. I am contacting a lawyer on this one."
Before you take action on this collection, it’s essential to understand your rights.
Debt collectors want you to act as fast as possible without any information at all.
If you’re getting collection calls or letters from Frost Arnett, it’s because they want your money and they want it now. They don’t want you to take time to think, research, or verify the debt in any way. They want you to react to the pressure and threats in their letters and phone calls. The reason they operate this way is simple: they have a lot of information at their disposal that you don’t, including databases, records, and knowledge of the law. If you act without information, you are playing right into their hands.
Consumers have reported that Frost Arnett agents demand date of birth verification before even stating who they are or why they’re calling. “They have called me four times and each time they asked for my date of birth before identifying themselves or their company.” Giving out personal information in the initial contact can put you on the defensive from the very beginning.
You also need to understand a little known fact about credit reports: 79 percent contain errors or inaccuracies of some kind. This is true of credit reports in general, according to a landmark study by U.S. PIRGs. When it comes to collection accounts in particular, the likelihood of errors skyrockets. Accounts get sold and resold, documentation deteriorates with each transaction, account numbers get transposed, balances get inflated, and debts that have already been paid somehow reappear on credit reports. Here’s one example of an error from someone dealing with Frost Arnett:
"The creditor they listed hasn’t went by that name for a couple years now. I contacted the original creditor, they went back 6 years and only 3 collection agencies had been sent my account to and none of them equaled what Frost Arnett claim and the hospital has instructed me to NOT pay this bill."
This isn’t an unusual occurrence, which is why it’s so important to know how to proceed.
Here’s the playbook for dealing with a Frost Arnett collection.
Step 1: Verify everything before you do anything.
When you find the Frost Arnett collection on your report, don’t make a payment, don’t provide any financial information, and don’t acknowledge the debt in any way. Instead, verify everything about the account.
Start by pulling copies of your credit reports from all three bureaus: Equifax, Experian, and TransUnion. Look at exactly what Frost Arnett is reporting on each of them, and write down the details. Note the account number, the amount, the date of first delinquency, and the original creditor name.
Then compare what’s on your credit reports to any letters or other communications you’ve received about the debt. Often, you’ll find discrepancies. The amounts may not match, the original creditor name may not seem right, or the dates may not jive with your memory of the account. All of these are warning signs that you need to investigate further before you take any action.
Step 2: Request debt validation.
The Fair Debt Collection Practices Act says you have the right to request validation of a debt within 30 days of initial contact from a collector. This isn’t optional; if you make a written request for validation, the collector has to stop all collection activity until they provide you with proof that the debt is valid and that the amount they’re claiming is accurate.
When you request validation, you should make the request in writing and send it via certified mail with return receipt requested. This provides you with a paper trail showing when you sent the request and when the collector received it. Keep copies of everything.
Here’s where it’s useful to know that Frost Arnett has a history of failing to validate debts. Many consumers who have submitted FDCPA debt validation requests to the company have reported the same problems. For example: “I sent an FDCPA debt validation letter and they keep sending me the same messages with the same verbiage, the same broken links, and they have not responded to my written request.”
Step 3: Review their response (or lack thereof).
When you send a validation request, you need to wait and see how the collector responds. They are supposed to provide you with validation, or they’re supposed to cease collection activity. If they continue to call you or report to the credit bureaus without providing proper validation, they’re violating federal law.
If they do provide a response, you should review their documentation carefully. In many cases, what they send is not sufficient. For example, one complainant received documentation showing only the following: “PR OFFICE/OUTPATIENT ESTABLISHED MOD MDM 30 MIN $290.00”. There was no explanation of what the charge was for. That’s not proper validation.
Once you’ve reviewed their response, you can make a decision about what to do next. If they fail to provide sufficient validation, or if the amounts or other details don’t match up, or if they don’t respond at all, you may have grounds to dispute the account with the credit bureaus and potentially to pursue legal action against them.
Why paying first can be a huge mistake.
If you pay a collection account, it will not be removed from your credit report.
A lot of people mistakenly believe that if they pay a collection account, it will be deleted from their credit reports. Unfortunately, that’s just not true. Paying the account will change the status from “unpaid collection” to “paid collection”, but the account will remain on your report for the full seven years from the date it first became delinquent.
That means you could pay thousands of dollars for a collection account and still end up with a collections notation on your credit reports. The damage to your credit score has already been done, and the notation will still be there for any lender to see when they pull your reports.
In fact, Credit Saint, a credit repair company, says: “From our experience, Frost Arnett typically does not entertain goodwill letters for removal of collection accounts.” That means that even if you pay, if you write them a nice letter asking them to remove the account from your reports, they probably won’t do it. You’ll have spent your money and lost your leverage all at once.
Trying to settle may not work out in your favor, either.
Some consumers try to negotiate settlements with Frost Arnett for less than the full amount of the balance. In some cases, this can be successful. Sources suggest that typical settlements with Frost Arnett may be around 40 to 60 percent of the balance. However, there are a lot of potential pitfalls to this approach.
When you settle an account, the way it’s reported to the credit bureaus can go either way for your credit score. It depends on how the collector reports the account, whether you get the agreement in writing before you pay, and on how the credit bureaus interpret the notation. Without the right documentation and professional guidance, you could settle a debt and find that it’s still hurting your credit score.
There’s also the issue of leverage. Once a debt has been sold to a collection agency, the original creditor has already written it off. They’ve taken the tax deduction and closed the book on it. So when you’re dealing with a collector, you’re not dealing with the provider who gave you the service you’re supposedly paying for. The moral obligation you may feel to “pay what you owe” doesn’t take that into account. You’re not obligated to pay the collector at all.
Why a credit repair professional can make all the difference.
You can try to dispute a Frost Arnett collection on your own.
But should you? That depends on how much you value your time, your credit, and your peace of mind.
Disputes you try to handle on your own can fail for a lot of reasons. You may not use the right language to trigger legal protections. You may miss a deadline and not be able to recover. You may accept a response that a professional would recognize isn’t good enough. And you may not know how to escalate if an initial dispute is denied.
Remember, the information gap that works in the collector’s favor also works against you when you try to dispute on your own. Frost Arnett has been collecting debt for 133 years. They know all the tricks and all the loopholes for making a disputed account stick. You’re a consumer who has never handled a credit dispute before. That’s not a level playing field.
On the other hand, when you work with a credit repair professional, you get the benefit of their expertise and experience. You get the value of their relationships with the credit bureaus and their understanding of the dispute process, which can take years to develop. And most importantly, you get to shift the burden of correspondence and documentation and follow up onto someone else. That’s incredibly valuable.
Strategic silence is your friend in debt collection.
This process is not just about cleaning up your credit report and removing an erroneous or suspicious collection account. It’s about taking back control over your financial identity and refusing to be pushed around by collection tactics designed to play on your shame and fear.
So don’t let Frost Arnett push you around. Every time you don’t answer their phone calls, every time you route their letters to a professional, and every time you don’t make an impulse payment is a time you’re preserving your options and your leverage. They’re counting on you to react under pressure. The longer you can keep control of the timeline, the better off you’ll be.
If you’re looking for professional help with a credit repair issue, we recommend Credit Saint for their excellent customer service and process.