Frost-Arnett Company is a healthcare revenue cycle management and patient payment company that traces its history to 1893. Its website says Harris & Harris acquired it in May 2026. If it contacts you, it is almost certainly about a hospital or medical provider bill.
- Type
- Collection agency
- Also known as
- Frost-Arnett Company
- Collects
- hospital and medical provider bills
- Phone numbers it lists
- (855) 287-7043
- Website
- frost-arnett.com
232 debt collection complaints were sent to the Consumer Financial Protection Bureau about Frost-Arnett Company from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Frost-Arnett?
Frost-Arnett Company describes itself as a revenue cycle management company for healthcare and uses the tagline "Patient Payment Solutions Since 1893." Its services for providers include early-out programs, bad-debt collection, insurance follow-up, patient access and a payment platform it calls PayJourney. The website lists NMLS identifier 1124656 and a Nevada collection agency license (CAD11454).
The company's website states that, as of May 2026, Frost-Arnett was acquired by Harris & Harris, a collection agency that has its own profile in our directory. Letters may continue to carry the Frost-Arnett name during the transition.
Why Frost-Arnett May Be Contacting You
Frost-Arnett works for hospitals, health systems and other medical providers, so its letters and calls concern patient balances. That might be an early-out statement shortly after a visit, when the provider still owns the account, or a bad-debt account the provider has given up on billing itself. Its patient services page lets people pay, remove a phone number, or file a complaint, and lists a patient line at (855) 287-7043.
How to Check a Debt Frost-Arnett Says You Owe
Medical balances are some of the most error-prone debts in collection, so check the billing before you pay.
- Ask for an itemized bill. Texas generally requires providers to send an itemized bill before pursuing collection (see our S.B. 490 update). Compare each charge to your explanation of benefits.
- Confirm insurance was billed. If your insurer was never billed or denied the claim in error, the "debt" may not be yours to pay yet.
- Use your dispute rights. The validation notice must name the provider, itemize the balance and give a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). A written dispute in that window stops collection until Frost-Arnett verifies.
- Ask about financial assistance. Nonprofit hospitals must have financial assistance policies, and a pending application can affect what you owe.
- Note the date of service. Texas applies a four-year limitations period to most consumer debts (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states differ.
What Frost-Arnett Can and Can't Do
When Frost-Arnett collects bad-debt accounts for providers, it is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). Some early-out work done in the provider's name can raise different questions, but the core rules apply to collection on defaulted accounts:
- The credit bureaus have said they do not report paid medical collections or medical collections under $500; see our medical debt reporting update.
- It may not discuss your medical account with your employer or relatives, apart from limited contacts to locate you.
- It may not call more than seven times in seven days per debt without a presumption of a violation (12 C.F.R. § 1006.14(b)(2)).
- It may not collect amounts that the provider's contract or the law does not authorize (15 U.S.C. § 1692f(1)).
We did not find a CFPB enforcement action against Frost-Arnett. If a contact from it seemed improper, our Texas FDCPA attorneys page explains how we can help.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Frost-Arnett or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Frost-Arnett: home page
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Frost-Arnett Company, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Frost-Arnett has violated any law. Company details change; tell us if something here is out of date.