Frost-Arnett is a debt collection company that specializes in healthcare revenue cycle management. If you’re seeing this name on a letter, a phone call, or your credit report, it almost certainly means a hospital, doctor’s office, or other medical provider has turned over an unpaid balance to Frost-Arnett for collection. The company is a legitimate, BBB-accredited business with an A+ rating, not a scam, but that doesn’t mean you should pay without verifying the details first.
What Frost-Arnett Does
Frost-Arnett describes itself as a revenue cycle management company for healthcare. In plain terms, that means hospitals and medical practices hire it to recover money patients owe. Its services include patient payment resolution, accounts receivable management, and analytics. When a medical provider can’t collect a bill after a certain period, it may assign or sell that account to Frost-Arnett, which then contacts you to collect payment.
You might first hear from Frost-Arnett through a phone call, a mailed letter, or a notice that a new account has appeared on your credit report. Any of these can be jarring, especially if you thought your bill was already paid or covered by insurance. That’s why the first step is always verification, not payment.
Your Right to Validate the Debt
Federal law requires any debt collector to send you a written validation notice either at the time of first contact or within five days afterward. This notice should include the amount owed, the name of the original creditor (the medical provider), and a statement of your right to dispute the debt. If you never received this letter, or if the details look wrong, you can send a written request asking Frost-Arnett to prove three things: that the account belongs to you, that the amount is correct, and that Frost-Arnett is authorized to collect it.
Timing matters here. If you send that written dispute or verification request within 30 days of being contacted, the collector must pause all collection activity until it responds with documentation. After 30 days you still have the right to dispute, but the collector is no longer required to stop contacting you while it investigates.
Send your request by certified mail with a return receipt so you have proof of the date. Keep a copy of every letter you send and receive. If Frost-Arnett can’t verify the debt, it cannot legally continue trying to collect it from you.
How It Can Affect Your Credit
Frost-Arnett may report unpaid accounts to one or more of the three major credit bureaus: Experian, Equifax, and TransUnion. A collection account on your credit report can lower your score significantly and remain visible for up to seven years from the date the original account first became delinquent.
If you dispute the debt, the collector is required to notify the credit bureaus that the account is disputed. You can also file a dispute directly with each credit bureau. Under the Fair Credit Reporting Act, bureaus must investigate and remove any information that turns out to be inaccurate or unverifiable. You can pull a free copy of your credit report every week from each bureau through AnnualCreditReport.com to check for errors.
Medical debt specifically follows certain credit reporting rules. The three major bureaus voluntarily exclude paid medical collections and do not report medical collections under $500. A CFPB rule finalized in early 2025 attempted to remove all medical debt from credit reports entirely, but a federal court vacated that rule in July 2025, finding it exceeded the agency’s authority. So medical collections can still appear on your report, subject to the voluntary thresholds the bureaus have set.
What to Do If Frost-Arnett Contacts You
Start by confirming the debt is real. Pull up any records you have from the medical provider, including explanation of benefits statements from your insurance company. It’s common for medical billing errors to snowball into collections. A claim your insurer should have covered, a balance you already paid, or a bill sent to an old address can all end up at a collector’s desk.
If the debt is valid and the amount is correct, you have a few options. You can pay the full balance, which resolves the account. You can also try to negotiate a lower lump sum payment or set up a payment plan. Many collectors will accept less than the full amount if you can pay in one shot, though they’re not obligated to. Before you pay, ask whether Frost-Arnett will report the account as “paid in full” or request deletion from your credit report. Get any agreement in writing before sending money.
If the debt isn’t yours or the amount is wrong, send a written dispute within that 30-day window. Contact the original medical provider as well to resolve any billing or insurance issues on their end. Sometimes getting the provider to correct the error is the fastest way to make the collection go away.
Know Your Protections
The Fair Debt Collection Practices Act limits what any collector, including Frost-Arnett, can do. Collectors cannot call you before 8 a.m. or after 9 p.m. in your time zone. They cannot use threats, harassment, or deceptive tactics. They cannot discuss your debt with anyone other than you, your spouse, or your attorney. If you send a written request telling them to stop contacting you, they must comply, though the debt itself doesn’t disappear.
Frost-Arnett holds an A+ rating with the Better Business Bureau, with 69 complaints filed over the past three years. The most common complaint category is billing issues, which accounted for about half of all complaints. That pattern is typical for medical debt collectors, where the underlying billing is often confusing and error-prone. If you believe the company has violated your rights, you can file a complaint with the Consumer Financial Protection Bureau or your state attorney general’s office.