How to Beat Frost Arnett: Defend Yourself Against Medical Debt
Frost Arnett is a legitimate medical debt collector, but you have rights under the FDCPA. Respond to any lawsuit with a formal Answer within your state's deadline to avoid default judgment. Negotiate a settlement for 30-50% of the debt and always get written confirmation before paying.
Answer Your LawsuitReceiving unwanted calls from Frost Arnett can trigger serious anxiety. You might not even recognize the debt they’re claiming you owe.
The constant communication puts you on edge. You start wondering if you’re being scammed by a fake collector.
Respond to Frost Arnett's Lawsuit in 15 Minutes
Don't let Frost Arnett win by default. Our partner Solo helps you draft a proper Answer and negotiate a settlement that protects your wages and bank accounts.
Respond NowBut Frost Arnett is legitimate. Here’s everything you need to know about defending yourself.
Is Frost Arnett a Legitimate Debt Collector?
Yes, Frost Arnett is a real debt collection agency. Based in Nashville, Tennessee, they specialize in medical debt collection.
If they’ve contacted you, it likely involves a hospital visit or medical testing. The company holds an A+ rating with the Better Business Bureau.
Who Does Frost Arnett Collect For?
Frost Arnett is a third-party collector working for medical providers:
- Doctors
- Clinics
- Hospitals
- Labs
- Surgery centers
They purchase or manage medical debts that healthcare providers couldn’t collect directly.
Read Frost Arnett Reviews Before You Negotiate
Consumer reviews reveal what you can expect when dealing with Frost Arnett. Check the BBB, Consumer Financial Protection Bureau, and Google reviews.
While reviews are mixed, some consumers report positive experiences. 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.”
Frost Arnett’s collectors are often willing to negotiate. Open communication can lead to a reasonable resolution.
What to Do When You Receive a Letter
First, verify the debt actually belongs to you. Read the letter carefully and confirm you received the medical services listed.
If the debt isn’t yours, send a debt validation letter immediately.
Collection letters should include several key details:
- Your name and contact information
- The original creditor’s contact information
- Your account number
- The amount you allegedly owe
You typically have 30 days to dispute the debt. Send your dispute notice to Frost Arnett right away if you disagree.
Frost Arnett Must Follow FDCPA Laws
The Fair Debt Collection Practices Act protects you from harassment. Debt collectors cannot:
- Use obscene language to threaten you
- Call repeatedly to annoy or harass you
- Threaten illegal or unintended actions
- Imply that you’ve committed a crime
Violations of the FDCPA may make collectors liable for civil damages.
Respond to a Debt Lawsuit From Frost Arnett
Receiving a lawsuit notice requires immediate action. You must respond to the Summons and Complaint right away.
Ignoring the lawsuit leads to a default judgment against you. Frost Arnett could then garnish your wages or freeze your bank accounts.
File a formal Answer to the Complaint. Request that Frost Arnett provide sufficient evidence including:
- Proof you’re responsible for the debt
- Authorization to collect from you
- Verification of the amount owed
The statute of limitations may also help you. Each state has different time limits for collecting debts.
Our partner Solo can help you respond to debt collection lawsuits quickly and effectively.
Follow These Three Steps to Respond
Being sued for debt feels overwhelming. These three steps help you fight back:
1. Answer Each Claim in the Complaint
Don’t tell your life story. Respond to each claim by admitting, denying, or denying due to lack of knowledge.
Most attorneys recommend denying as many claims as possible. Doing so strengthens your position in court.
2. Assert Your Affirmative Defenses
Affirmative defenses are legal reasons Frost Arnett shouldn’t win. The statute of limitations is a common defense.
Several other defenses can strengthen your case or get it dismissed entirely.
3. File the Answer and Send a Copy
File your Answer before the court deadline. Deadlines range from 14 to 35 days depending on your state.
Serve Frost Arnett’s attorney with a copy via certified mail. Request a return receipt for proof of delivery.
Filing an Answer is just the first step. Stay engaged with the lawsuit until you reach a resolution.
Settle Your Debt With Frost Arnett
Debt settlement often provides the best resolution. You can settle even after Frost Arnett files a lawsuit.
Follow these steps to pursue settlement:
Review Your Finances
Determine how much you can realistically offer. Many debts settle for 50% or less of the original amount.
You can start negotiations at 30% of the debt. Be prepared to negotiate higher.
Contact Frost Arnett
Call them to discuss settlement. Share your offer and proposed payment date.
Expect a counteroffer. Be ready to negotiate toward a middle ground.
Get Everything in Writing
Request a signed settlement agreement before paying anything. Written proof protects you from future collection attempts.
The agreement should clearly state the settlement amount and payment terms.
Make Your Payment on Time
Pay exactly what you agreed to pay. Late or partial payments can void your settlement agreement.
Our partner Solo helps you draft settlement letters and track all correspondence securely. You can make payments while protecting your financial information.
Take Action Before Time Runs Out
Frost Arnett won’t wait forever to collect. Each day you delay gives them more leverage.
Respond to their notices promptly. Verify the debt, know your rights, and negotiate from a position of strength.
You have more power than you think. Use it to resolve this debt on your terms.