Frost-Arnett is the name behind a large share of the medical collection calls and texts people search about — and behind collection entries on credit reports for hospital and physician bills. Because it is a third-party collector, the bill it is pursuing started with a healthcare provider, not with Frost-Arnett itself.
What Frost-Arnett is
Frost-Arnett Company is a family-owned accounts receivable company headquartered in Nashville, Tennessee — by its own description a healthcare accounts receivable partner with roots going back to 1893 — and its Better Business Bureau record traces its Nashville operations to 1905. Its work today is concentrated in healthcare receivables: hospital, physician, and other medical bills. When it reports a collection account, “FROST-ARNETT” is what appears on the credit file.
The errors to look for — medical debt has its own failure modes
Medical billing passes through providers, insurers, and billing companies before it ever reaches a collector, and every handoff is a chance for error. Look for: a bill your insurance actually paid; a balance that ignores an adjustment or payment; a bill that belongs to another patient; a debt you already paid or settled still reporting as open; a medical collection too old or too small to appear on the report; and the same bill reported more than once. If the account is one you never had, start with our collection that is not yours page; if you paid it and it still shows a balance, our paid off but still reporting page covers that exact problem.
How to dispute a Frost-Arnett entry
With the credit bureaus. Dispute in writing with each bureau showing the entry, and enclose your proof — the insurance explanation of benefits, the payment record. The bureau generally has thirty days to investigate, and the company that reported the debt must investigate what is forwarded to it. Keep copies and proof of mailing.
With the company. Frost-Arnett publishes a consumer line on its own website — 877-753-9851 — along with an online account portal. You can also demand validation of the debt itself; our free debt verification letter template covers how.
When the dispute fails
If a collection entry comes back “verified” and it is still wrong — paid by insurance, not yours, the wrong amount — the Fair Credit Reporting Act gives you a claim against the furnisher, the bureaus, or both. Damages can include your concrete losses, the harm to your credit, and statutory and punitive damages for willful violations. The fee provision is written into the Act: in a successful action the costs and reasonable attorney’s fees are recoverable from the defendant, as determined by the court. That is why this work is handled on a contingency basis rather than billed by the hour.
You pay nothing unless we win.
Where your situation fits
Our guide to removing collections from a credit report covers the steps in order, our directory of debt collectors and furnishers lists the companies that report, and if a dispute has already failed, our FCRA lawsuit page sets out what comes next.
Have your report reviewed
The Kim Law Firm represents consumers in Fair Credit Reporting Act cases against debt collectors and the credit bureaus. Send us the report page showing the entry and we will tell you whether we see a claim. Our FCRA attorney page covers how these cases work.
Contact us to have your credit report reviewed.
Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts.
This page is about credit reporting accuracy. The Kim Law Firm is not affiliated with Frost-Arnett Company, and this page is not a complaint about that company. It describes how collection entries can appear on credit reports and the rights consumers have when an entry is wrong.