Receiving medical debt collection calls from Frost-Arnett can feel overwhelming, especially when you’re already struggling with healthcare costs and insurance confusion.
If you’re getting calls or texts about medical bills you don’t recognize, amounts that don’t match your insurance records, or notifications from a collector your hospital claims not to use, you’re not alone – and you have legal protections.
Many consumers report feeling anxious when Frost-Arnett contacts them, particularly when facing discrepancies like being billed $2,000+ while insurance shows only $70 owed.
Understanding what makes this Nashville-based healthcare collector different – and when their practices may cross legal lines despite “empathetic” branding – helps you protect your rights and find peace of mind.
Who Is Frost-Arnett?
Frost-Arnett is a legitimate, family-owned healthcare debt collector operating since 1893 – but they face federal lawsuits alleging practices that may mislead consumers despite their “empathetic” branding.
Key facts:
- Location: 2105 Elm Hill Pike STE 200, Nashville, TN
- Founded: 1893 (133 years in operation)
- BBB Rating: A+ (accredited since 1961)
- Specialization: Medical debt exclusively – hospitals, labs, healthcare providers
- Notable: Received the 2017 BBB Ethical Commerce Award, the same year they settled a federal privacy violation lawsuit
Unlike general collectors like Collection Attorneys USA, TRS Recovery, Diversified Adjustment, Armstrong Associates, Cawley & Bergmann, or Professional Debt Mediation, Frost-Arnett focuses only on healthcare collections.
Is Frost-Arnett a Scam or Legitimate?
Frost-Arnett is legitimate – but scammers frequently impersonate them. Here’s how to tell the difference:
Real Frost-Arnett contact:
- Physical mail from 2105 Elm Hill Pike, Nashville, TN
- Phone numbers listed on frost-arnett.com
- Provides written debt validation with the original creditor
- Your hospital confirms that they use Frost-Arnett
Likely scammer (NOT real Frost-Arnett):
- Text messages with links to unfamiliar websites
- Phone numbers NOT on frost-arnett.com
- Demands immediate payment via gift cards/wire
- Refuses written debt validation
- Hospital never heard of the debt
Reddit warning: Many users report phishing texts claiming to be Frost-Arnett with links and numbers not matching the official website. Always verify through your hospital before clicking links or paying.
Federal Lawsuits Against Frost-Arnett
Despite marketing “compassionate” practices, Frost-Arnett has faced significant federal litigation:
- Golubchik v. Frost-Arnett Company (2018): Class action alleging misleading collection letters that failed to clearly explain debt disputes must be in writing, violating FDCPA. View complaint PDF.
- “Double Debt” Class Action (2018): Lawsuit alleging Frost-Arnett listed identical debt amounts while stating one, but not both, had expired validation periods – confusing consumers about their rights.
- Bartz v. Frost-Arnett Company (2018, Case 2:18cv1420): Federal FDCPA violations case. View complaint PDF.
- Privacy Violation Settlement (2015-2016): Frost-Arnett settled a class action for showing account numbers through envelope windows, violating privacy. Settlement details.
What Consumers Report About Frost-Arnett
- $2,416 claimed vs $70 insurance shows: User reports Frost-Arnett demanding $2,416 for hospital stay, but insurance records show only $70 owed. Frost-Arnett’s “list of charges doesn’t align” with insurance. Common cause: out-of-network providers (especially anesthesiologists) billing separately.
- Phishing text messages: Multiple users report texts with links and phone numbers NOT matching frost-arnett.com. Even after clicking, fraudulent texts from different numbers continue.
- Hospital denies using them: Users report hospitals saying they don’t use Frost-Arnett – yet collections continue. Usually means hospital-assigned debt later, Frost-Arnett bought from another collector, or it’s a scam.
- Credit report confusion: Medical debt often doesn’t show on credit reports. Absence doesn’t mean you don’t owe – recent legislation hides medical debt from reports.
- P.O. Box validation letters: Users report receiving validation from P.O. Boxes rather than physical addresses – raising documentation concerns.
How to Protect Yourself from Frost-Arnett
Never click text message links. Verify everything through your hospital first. Know what to say, and the number one rule.
Use triangle verification:
- Call your hospital’s billing department
- Call your insurance company
- Call Frost-Arnett’s verified number (frost-arnett.com only)
Confirm all three have matching amounts before paying.
Demand detailed validation – not vague “list of charges.” Request itemized bills matching your insurance Explanation of Benefits (EOB), including provider names, service dates, and insurance submission proof.
Challenge surprise billing. If Frost-Arnett collects for out-of-network providers you didn’t choose, your insurance may fight this on your behalf.
Document discrepancies. If amounts claimed don’t match your insurance records, this may violate FDCPA prohibitions on collecting more than legally owed.
Report violations to the Tennessee Attorney General and the FTC. See FTC Debt Collection FAQs.
How The Wood Law Firm Stops Frost-Arnett Harassment
We understand how stressful it feels when a medical debt collector contacts you – especially when amounts don’t match your insurance or your hospital claims they don’t use that collector. You’re dealing with enough already; harassment shouldn’t add to your burden.
The Wood Law Firm specializes in holding debt collectors accountable when they cross legal lines. If Frost-Arnett sent misleading letters (like those in the Golubchik lawsuit), violated your privacy (envelope window case), or is collecting amounts that don’t match your insurance records, we can help stop the harassment and pursue compensation up to $1,000 plus attorney fees – all paid by Frost-Arnett, not you.
We work on contingency, so you pay nothing unless we win. Call +1 844-638-1122 for a free consultation or visit our Frost-Arnett resource page.
About Attorney Jeff Wood
Jeff Wood specializes in consumer protection with over 15 years of experience in FDCPA, FCRA, and TCPA cases. Licensed in Arkansas with federal court admissions across nine jurisdictions, Mr. Wood leads a network of attorneys in 14 states, ensuring comprehensive legal services nationwide. The Wood Law Firm has maintained an A+ BBB rating since 2010. Contact +1 844-638-1122 or reach out online.
Frequently Asked Questions
Is Frost-Arnett legitimate or a scam?
Frost-Arnett is legitimate – operating since 1893 with BBB A+ rating. However, scammers frequently impersonate them using phishing texts. Always verify through frost-arnett.com or your hospital before paying.
Why does Frost-Arnett claim I owe $2,000 but insurance shows $70?
This often indicates out-of-network providers (anesthesiologists, radiologists, labs) billing separately. Frost-Arnett may be collecting for providers your insurance didn’t cover. Call your insurance – they may fight surprise billing on your behalf.
Should I click links in Frost-Arnett text messages?
No. Multiple users report phishing texts with numbers not matching frost-arnett.com. Wait for physical mail or call your hospital directly to verify.
Will Frost-Arnett debt show on my credit report?
Not always. Recent legislation prevents medical debt from appearing on credit reports in many cases. Absence from your credit report doesn’t mean the debt is invalid.
What if my hospital says they don’t use Frost-Arnett?
Verify carefully. Hospitals sometimes assign debt later, or Frost-Arnett bought it from another collector. Request written validation showing original creditor and debt sale chain. Could also be a scam.
Can I sue Frost-Arnett for misleading letters?
Yes. The Golubchik and “double debt” lawsuits alleged Frost-Arnett’s letters confused consumers about dispute rights. If their letters didn’t clearly explain how to dispute in writing, you may have a claim. See top FDCPA violations.
If Frost-Arnett has violated federal consumer protection laws, don’t let their 133-year heritage or “empathetic” branding discourage you from protecting your rights. Contact The Wood Law Firm at +1 844-638-1122 for help. For additional guidance, see FTC Debt Collection FAQs and what to say to debt collectors.
