- Frost-Arnett Company is a subsidiary of Harris & Harris, Ltd. (acquired May 2026; formerly independent since 1893), headquartered in Nashville, Tennessee. A third-party collection agency focused almost exclusively on healthcare receivables — it collects unpaid medical bills on behalf of hospitals, physician groups, and other healthcare providers rather than purchasing debt outright.
- Frost-Arnett is a third-party collector, not a debt buyer — it's typically hired by a hospital, physician group, or other healthcare provider to collect an unpaid medical bill, so it doesn't own the debt itself.
- We searched the CFPB's and FTC's public enforcement records specifically for Frost-Arnett and couldn't confirm a federal or state Attorney General enforcement action against the company on a primary-source .gov site, so none is cited here.
- Regardless of a collector's history, you have the same FDCPA rights with any of them: 30 days from first contact to request validation in writing, during which they must stop collecting until they prove the debt.
Who they are
Frost-Arnett Company is a subsidiary of Harris & Harris, Ltd. (acquired May 2026; formerly independent since 1893), headquartered in Nashville, Tennessee. A third-party collection agency focused almost exclusively on healthcare receivables — it collects unpaid medical bills on behalf of hospitals, physician groups, and other healthcare providers rather than purchasing debt outright. The company has operated since 1893, making it one of the longer-running collection agencies still active in the U.S. If a letter references a hospital visit, lab test, or other medical service you don't immediately place, that's common — Frost-Arnett is usually collecting on behalf of the healthcare provider that billed you, not an account it purchased itself.
On the regulatory record: we specifically checked the CFPB's and FTC's enforcement action records for Frost-Arnett and didn't find a federal enforcement action against the company on a primary-source .gov site. Frost-Arnett does appear in the CFPB's public consumer complaint database, which logs individual complaints companies respond to — that's a different thing from a regulatory finding or penalty, so we're not characterizing it as one here.
Your rights if they've contacted you
Whichever collector you're dealing with, the same federal law applies. You have 30 days from their first written contact to request validation — a written request asking them to prove the debt is real and yours. Once you do, they're required to stop collection activity until they've provided that proof.
If Frost-Arnett Company has contacted you about a medical bill, PUSHBACK reads the notice you received and drafts that request from the specific details on it — you review it before you pay anything.