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Numerous calls and emails from Frost Arnett could mean the beginning of a long battle you don’t want to lose. That’s why it is important to understand as much as possible about this company. For instance, you should know why they are calling you.
Since it is a debt collection agency, your guess is as good as mine regarding the explanation of the many calls and emails. Another concern arises since you most likely haven’t interacted with them before the calls and emails. Who does Frost Arnett work for?
By the end of this article, you will have the answers to these questions at your fingertips. So, keep reading as we unveil as much as possible about Frost Arnett.
1. About Frost Arnett
Frost Arnett is a debt collection agency, often abbreviated as FAC, with its headquarters in Tennessee. It was incorporated in 1980, having been founded in 1893, which is almost a century.
The BBB established its profile page in 1961, September to be precise. The following year, it officially became an accredited company.
Besides FAC, the business has other names that BBB recognizes, including F.A. Management Company and Nashville Adjustment Bureau.
2. Clients Frost Arnett Collect For
Don’t expect any debt collection agency to publicly display its clients; Frost Arnett isn’t an exception. So, it is hard to get the specific clients it collects for. Once a debt is resolved, the client also ceases to be part of the clientele.
Nevertheless, one certain thing is that these clients are from the health industry. Its services fall under three categories: extended business office, collections, and early-out.
3. How to Deal with Frost Arnett
It mostly starts with Frost Arnett sending you a notice regarding a medical debt you owe the agency. Once you do, the next call of action would be verifying that the debt is legit.
You can begin by paying full attention to the letter that Frost Arnett sends you. As you read it through, be as careful as possible, not forgetting to be keen on the listed services. Ensure that you have received all those services.
If there are errors, sending a debt validation letter is the most appropriate course of action. It can be because the debt belongs to someone else or the list contains medical services you didn’t receive.
It is advisable to send the letter as soon as you can. Remember to ask the debt collection agency not to contact you again.
There is also crucial information that the letter Frost Arnett or any other debt collector should include. This information includes the following;
- Amount of the alleged loan
- Debtor’s account number
- Original creditor’s information usually contacts
- Debtor’ name
- Debtor’s contact information
The letter should contain a statement that allows you to dispute the presumed debt. The time you get to dispute its existence should also be reasonable, usually 30 days. It is advisable to send Frost Arnett a notice disputing the debt as soon as possible.
4. Can Frost Arnett Sue You or Garnish Your Wages?
If you were to go by statistics, you would probably assume that Frost Arnett can’t sue you for unpaid debt. However, that’s far from the truth since it is rare, not impossible. So, don’t be surprised if this debt collector sues you. As to whether it can garnish your wages, it will depend on your state laws.
5. What Should You Do If Frost-Arnet Sues You?
It is only normal to wonder what’s next once Frost Arnett sues you and you are served with the notice. The best way forward is to act instead of worrying and wallowing. So, respond to Frost Arnett’s complaint and summons immediately.
Otherwise, a court will rule against you by default. This default judgment also allows Frost Arnett to place a lien on personal property, freeze bank accounts, or garnish wages.
6. Tips if Frost Arnett Sues You
Once Frost Arnett sues you, how you proceed makes a huge difference. That’s why you must follow the necessary steps to increase your chances of winning the court case. These steps include the following;
6.1. Answering Every Claim in That Complaint
People often make a mistake in paying too much attention to their opinions and side of the story regarding a lawsuit. Instead of doing all that, consider answering the claims in the complaint. Remember that the answers should be simple, not forgetting relevant to the claims Frost Arnett has against you.
You can choose to admit, deny due to lack of knowledge or deny. The more claims you deny, the stronger your side of the story gains. That’s why most attorneys advise you to deny as many as possible.
6.2. Affirmative Defenses Assertion
Do you have any legal reason that weakens Frost Arnett’s case against you? If so, assert these affirmative defenses firmly. The statute of limitations never disappoints in this regard.
Don’t limit your options to that since other defenses apply. If you get this right, your case strengthens to the extent that it can experience a full dismissal.
6.3. Filing Your Answer in Court Before Sending Frost Arnett a Copy
Besides filing your answer in court, ensure you do it on or before the deadline. The period can differ from one state to another, but it is usually between 14 and 35 days. Remember to serve the complaint’s lawyer with a copy through certified mail. There is a need to request a return receipt as well.
7. What Are Your Rights When Dealing with Frost Arnett?
It turns out that you still have your rights despite the situation. After all, debt collector harassment is against the Fair Debt Collection Practices Act. It prohibits debt collection agencies such as Frost Arnett from doing certain things, including the following;
- Calling several times a day
- Calling you during the night, usually after 9 pm but before 8 am
- Making automated calls regarding making payments
- Calling you during work hours despite telling Frost Arnett that it isn’t okay or right
- Sending pre-recorded messages about the unpaid debt
- Lying about a debt, including its amount or existence
- Accusing you of being on the wrong side of the law
- Threatening to damage your credit score, arrest, sue or harm you
- Intimidating you
- Claiming that you will serve imprisonment due to the debt
If such instances occur, you have a right to sue Frost Arnet
8. Wrapping Up
It is now clear why Frost Arnett is calling or emailing you endlessly. It believes that you have an unpaid debt it needs to collect. However, that’s not always the case, hence the need to confirm before pursuing.
Remember how to deal with the debt collection agency to avoid any trouble. It would be sad to worsen a situation that’s already bad. Finally, don’t let Frost Arnett violate your rights in the name of collecting a debt.
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