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How to Beat Frost Arnett

Sarah Edwards | October 28, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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? SoloSuit can help you take a stand and win in court.

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.

Let's explore everything you should know about Frost Arnett and how to beat them.

Is Frost Arnett a legitimate debt collector?

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

The company has an A+ business rating with the Better Business Bureau, but it also has a number of consumer complaints. As of 2022, Frost Arnett has received 78 consumer complaints in the past three years on its BBB profile. Even worse, the Consumer Financial Protection Bureau has received 242 complaints against Frost Arnett in the same time period.

Of the customers who have filed complaints against Frost Arnett, most allege that the company used highly aggressive and unnecessary techniques to try to force collection. In other cases, they received notice that they owed money for medical services they had not received.

Let's take a look at a real example:

Example: One consumer had surgery in March 2021. The consumer had already met their deductible with their medical insurance company, which was $350 out of pocket, paid in full on the date of service. Frost Arnett still sent them a bill stating they owed for the surgery. When the consumer asked for more information, Frost Arnett said they couldn't provide any details as to how they got the information or who the doctor's office was.

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 and ask Frost Arnett not to contact you again.

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.

What if Frost Arnett uses aggressive collection tactics to collect the debt?

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 Frost Arnett (or 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.

It's not unrealistic to assume a debt collection company doesn't have the information needed to collect on a debt. Just taking the time to request the data required to collect money from you may be enough to have the lawsuit thrown out.

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.

Follow these 3 steps when sued by Frost Arnett

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 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.

Learn more about these three steps here:



What can SoloSuit do to help?

SoloSuit is a web-based app that helps consumers respond to lawsuits from debt collectors. By simply answering a few questions, you will receive a free PDF answer document that you can use to file an answer in your local court. If you want a lawyer to review your answer prior to filing, we offer a paid option as well.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


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