How to Beat Frost Arnett

George Simons | January 31, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Is Frost Arnett suing you for a debt? Respond with a written Answer to avoid default judgment. Without the threat of a judgment looming over your head, you can contact Frost Arnett to calmly negotiate and settle the debt for less. Use Solo to streamline the settlement process.

If you've been receiving unwanted calls or notices of debt collection from a company called Frost Arnett, you may be feeling anxious. This type of communication, especially if it's continuous and occurs on a regular basis, can put even the most stalwart person on edge.

You may not be aware of who operates Frost Arnett or even what the debt is for. This lack of knowledge can cause additional worry, leading you to wonder if you're being scammed by a fake debt collector.

But Frost Arnett is legit. Let's explore everything you should know about the company and how to settle your debt.

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You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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Is Frost Arnett a legitimate debt collector?

Yes, Frost Arnett is a legitimate debt collector. Based in Nashville, Tennessee, the agency focuses on bad medical debt collection. If you've received a notice from them, it's likely related to a patient or hospital visit or medical testing.

The company is accredited by and has an A+ business rating with the Better Business Bureau.

Who does Frost Arnett collect for?

Frost Arnett is a third-party debt collector that collects debts for medical providers, including:

  • Doctors
  • Clinics
  • Hospitals
  • Labs
  • Surgery centers

Read Frost Arnett reviews as you prepare to negotiate

When determining how to proceed with resolving a debt with Frost Arnett, reading reviews from other consumers can help you understand what they’ve experienced when dealing with the debt collector. Some examples include:

While reviews are mixed, it is important to remember the negativity bias, especially toward companies specializing in debt collection. That said, there are consumers who’ve had a positive experience when dealing with Frost Arnett. Sara M. writes:

“Best company I have ever had to deal with when it comes to collection friendly agents and so helpful always ask about a discount even the first time they contact you, or they are willing to do payments too that is not going to break you.”

As you can see from Sara’s example, Frost Arnett debt collectors are willing to hear you out and work towards a resolution. This will only happen if you openly and willingly engage, communicate, and explore your options together.

What should I do if I receive a letter from Frost Arnett?

If you receive a notice from Frost Arnett that you owe money on medical debt, you first want to ensure that the debt is actually yours. Read through the letter carefully and verify that you received the medical services indicated in the letter.

If you didn't receive the medical services and the debt doesn't belong to you, send a debt validation letter as soon as possible.

Letters from debt collectors should include several key pieces of information. Among these are:

  • Your name and contact information.
  • The creditor's contact information for the original debt.
  • Your account number.
  • The amount you presumably owe.

The letter should also give you a period of time to dispute the debt, which is typically 30 days. If you don't agree with the debt, immediately send a notice to Frost Arnett indicating that you dispute the debt.

Frost Arnett must follow the laws outlined in the FDCPA

The Fair Debt Collections Practices Act (FDCPA) was put in place to protect consumers from harassment by debt collectors. Several restrictions on debt collection practices provided for by the FDCA include:

  • Using obscene language to threaten the consumer.
  • Annoying or harassing consumers by repeatedly calling them.
  • Threatening to take action that's not legal or intended.
  • Implying that the consumer has committed a crime.

If you experience any of the above tactics from any debt collector, they may be liable for civil damages to you since they constitute a violation of the FDCPA.

Respond to a debt lawsuit against Frost Arnett

If you've received notice that Frost Arnett is suing you to collect a debt, you'll want to immediately respond to the Summons and Complaint. Failure to do so can lead to a default judgment entered against you in court. A default judgment allows Frost Arnett to garnish your wages, freeze your bank accounts, or even place a lien on your personal property.

Take the time to file a formal Answer to the Complaint. Request that the company provide sufficient evidence for the debt. This should include indicating that you are the person responsible for the debt, that Frost Arnett has the authorization to collect the debt from you, and verification of the amount you owe.

The statute of limitations may also be enough to have the lawsuit thrown out. The statute of limitations to collect a debt varies by state. You can check your local laws and regulations to determine whether too much time has passed for the debt collector to collect money from you.

Sued by Frost Arnett? Follow these three steps to respond

Being sued for debt is stressful and intimidating. Don't lose hope. These three simple steps can help you beat Frost Arnett in court:

  1. Answer each claim listed in the Complaint: Instead of focusing on sharing your side of the story, your Answer should be simple and respond to the claims against you. You can admit, deny, or deny due to a lack of knowledge. Most attorneys recommend that you deny as many claims as possible to strengthen your side of the case.
  2. Assert your affirmative defenses: These are any legal reasons that Frost Arnett should not win the case. As we mentioned, the statute of limitations can be a great affirmative defense to raise in your Answer. There are several other defenses that can help you strengthen your case and even get it dismissed.
  3. File the Answer in court, and send a copy to Frost Arnett. Make sure to file the Answer before the court deadline. This is anywhere from 14-35 days, depending on which state you live in. You should also serve Frost Arnett's attorney with a copy of the Answer. Send it via certified mail with a return receipt requested.

While filing an Answer is a crucial first step, it is important to remember that keeping track of the lawsuit until it reaches a resolution is your responsibility. Once you’ve filed your Answer, consider exploring debt settlement as a way to resolve the debt.

Settle the debt with Frost Arnett

Debt settlement is often the best way to resolve a debt and can help you avoid a lawsuit. However, even if Frost Arnett has already filed a lawsuit against you, debt settlement can still help you resolve the problem. Take the following steps to pursue debt settlement.

  1. Carefully review your finances to determine how much you can offer to settle. While many debts settle for 50% or more, you can start negotiations with as little as 30% of the original debt.
  2. Contact Frost Arnett and let them know that you would like to settle, discuss the amount you’re offering, and the date you can make the payment. Remember, they make a counteroffer, so be prepared to negotiate.
  3. Once you and Frost Arnett have reached a settlement amount, request a settlement agreement in writing and signed. This is crucial for your records as it will prove you’ve resolved the debt.
  4. Make the payment on time.

SoloSettle can help consumers settle their debts by providing an easy way to draft a debt settlement letter, track your correspondence, and a secure way to make the payment while protection your personal financial information.

Watch the video for more information on how to settle a debt.

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How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

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If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

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Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

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Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

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Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

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Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

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State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

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