Start My Answer

How to Beat Frontline Asset

George Simons | July 27, 2022

You can beat Frontline in court!

Summary: Is Frontline Asset Strategies suing you for a debt? SoloSuit can help you take a stand and win in court.

Getting harassed by a debt collection agent hired by Frontline Asset can be stressful and exhausting. Debt collectors can be overly aggressive, rude, and make empty threats with the goal of getting you to pay. If you are being subjected to this type of harassment, do not give up hope. You have legal options and tools available that can show you how to beat Frontline Asset in court.

Frontline Asset is a legitimate debt collection agency

Frontline Asset Strategies is a debt collection agency with its home office in Minnesota. The company focuses on debt collection in various industries, including:

  • Auto loan debt collection
  • Credit card debt collection
  • Mortgage debt collection
  • Student loan debt collection
  • And so forth

Frontline also buy old debts from creditors that have given up collection efforts on said debts. So, you might not recognize the name Frontline Asset Strategies when they contact you about a debt because they purchased it from the credit card company, bank, or other financial institution that you originally owed the debt to.

Multiple Complaints Filed Against Frontline Asset Strategies

Frontline Asset has developed a reputation for routinely utilizing unethical tactics to try and convince you to pay the amount you supposedly owe. Consumer reviews about the Frontline Asset reflect multiple complaints and serious allegations of impropriety. This is probably why there have been multiple class-action lawsuits filed against Frontline over the last 10 years, ranging from violations of privacy rights under the Fair Credit Reporting Act (FCRA), the use of false threats, using confusing language to make false claims.

If you've received threatening phone calls and emails from Frontline Asset, never give up hope. You can work your way out of this by taking action with the tools offered by SoloSuit.

We have a simple mission: Help consumers fight unethical debt collectors and their lawsuits. To help you and those like you, we put much time and energy into collecting vital information that can help you understand the processes associated with debt collection lawsuits. When you have this powerful information in your hands, you'll feel more in control against aggressive debt collection agencies such as Frontline Asset Strategies.

Keep a record of all communication with Frontline Asset Strategies

If Frontline Asset Strategies contacts you via phone, email, social media, etc. regarding a delinquent account or other debt, make sure to document every interaction. You should also make copies of every piece of correspondence that you receive from this debt collection company and every piece of correspondence you send in return.

Regardless of whether you actually owe the debt that is attempting to be collected by Frontline, it is important to always remember you have specific rights intended to protect you from harassing behavior by debt collectors. One of those protections includes not being harassed by a debt collector with Frontline Asset Strategies.

You have rights when Frontline Asset contacts you about debt

Frontline Asset is known for attempting aggressive tactics against people who are unaware of their legal rights under the Fair Debt Collection Practices Act. The FDCPA states guidelines and rules that dictate how debt collectors can act. Some of the restrictions on companies such as Frontline Asset include:

  • Debt collectors can never contact you when you are working.
  • Debt collectors cannot use rude or vulgar language when talking to you on the phone or in emails or texts.
  • Debt collectors are not allowed to threaten lawsuits.
  • Debt collectors cannot contact you before 8 am or after 9 pm
  • If you request a debt validation, debt collectors cannot continue collection efforts until they have officially validated the debt.

Make Frontline Asset Strategies validate a debt

Before you make any agreements—or send payments—to Frontline, you should make them validate the debt. There's a very good chance that the debt they claim you owe is past the statute of limitations, is an incorrect amount, or could even be fraudulent. Sending a Debt Validation Letter will require Frontline to validate the debt with legal documentation and proof before they can keep bothering you about it.

A Debt Validation Letter requests the following information:

  1. The amount of the debt.
  2. The name of the creditor.
  3. The collector will assume the debt is valid unless the consumer sends them a Debt Validation Letter within 30 days.
  4. If you send the collector a Debt Validation Letter they will need to mail you validation of the debt.
  5. If you send them a Debt Validation Letter they will need to mail you the name and address of the original creditor.

If Frontline cannot provide this information with documented proof, then they have no case, and you may be off the hook! In fact, many debt collectors give up after receiving a Debt Validation Letter. It's not worth the time, money, and resources they might spend in order to validate the debt. To learn more about how to make a Debt Validation Letter, check out this video:

SoloSuit can help you draft and send a Debt Validation Letter in minutes.

Defend yourself if the Frontline Asset Strategies sues you

If Frontline Asset Strategies decides to file a debt collection lawsuit against you, it is recommended you be bold and aggressive in your response and to ensure your response is timely filed. Why? Because members of the Frontline Asset generally expect consumers to ignore the lawsuit and throw it in the garbage. This is understandable, but it only means that the debt collector wins without a fight. Don't make this mistake because there are options on the table to beat debt collectors like Frontline, if you know what to do.

Some helpful tips to try when you craft an Answer to the lawsuit are::

  • Never concede that you owe the debt! Remember that Frontline Asset must prove under the law that you owe the debt. Don't give them any help. Make them do all the work.
  • File your Answer with the local Clerk of Court on a timely basis. The deadline will be anywhere from 14-35 days after you receive the Summons and Complaint, depending on which state you live in.
  • Make your Answer copy to Frontline Asset and make sure it's stamped by the Clerk of Court.

Assert your Affirmative Defenses in your Answer

When you respond to Frontline Asset's lawsuit, you have the chance to torpedo their legal arguments if you have the knowledge of debt collection tactics and laws. This section of your Answer is called your affirmative defenses, or any reasons that Frontline doesn't have a case against you.

Remember that the company must prove that you are the person who owes the debt and owe the alleged amount. This means Frontline Asset must prove the following:

  • Frontline Asset has the right under the law to sue you.
  • You are the person who owes the debt.
  • You owe the money listed by Frontline Asset in the complaint filed in court.

Depending on the facts of your case, you might argue that Frontline Asset did not file the suit within the required statute of limitations. The statute of limitations states that a lawsuit must be filed within a given timeframe.

If the case facts show that Frontline Asset sued you for debts where the statute of limitations lapsed, you may file a motion to have the suit dismissed with prejudice.

Also, think about filing a countersuit against Frontline Asset, if you have evidence that proves Frontline Asset violated the FDCPA when they contacted you to repay a debt. If you possess proof that Frontline Asset violated this law, you may receive compensatory damages. They may have to pay your attorney fees, too.

Overview of actions to take if you are sued by Frontline Asset

Here's a quick recap of actions to take if Frontline Asset sues you:

  • Write down any telephone call details if they call you before 8 am or after 9 pm. Also, write down if they contact you at work and/or use abusive and threatening language.
  • Be certain to file your Answer within the required timeframe, or you will lose the case by default.
  • In the Answer, think about raising at least one affirmative defense, such as the statute of limitations. Also insist that Frontline Asset provide proof of the amount you owe and that you are the one who owes the debt.

Debt collection lawsuits are no fun, but don't despair. With the assistance of SoloSuit, you can beat these shady companies at their own game. And you might even get them to pay compensatory damages if they violated the FDCPA.

Good luck!

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Get Started


We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.


Ask a Question


>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah; File a Motion to Satisfy Judgment
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

    Guides on how to beat every debt collector

    Being sued by a different debt collector? Were making guides on how to beat each one.

    Win against credit card companies

    Is your credit card company suing you? Learn how you can beat each one.

    Going to Court for Credit Card Debt — Key Tips

    How to Negotiate Credit Card Debts

    How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

    Get answers to these FAQs

    Need more info on statutes of limitations? Read our 50-state guide.

    Why do debt collectors block their phone numbers?

    How long do debt collectors take to respond to debt validation letters?

    What are the biggest debt collector companies in the US?

    Is Zombie Debt Still a Problem in 2019?

    SoloSuit FAQ

    If a car is repossessed, do I still owe the debt?

    Is Portfolio Recovery Associates Legit?

    Is There a Judgment Against Me Without my Knowledge?

    Should I File Bankruptcy Before or After a Judgment?

    What is a default judgment?— What do I do?

    Summoned to Court for Medical Bills — What Do I Do?

    What Happens If Someone Sues You and You Have No Money?

    What Happens If You Never Answer Debt Collectors?

    What Happens When a Debt Is Sold to a Collection Agency

    What is a Stipulated Judgment?

    What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

    Can a Judgement Creditor Take my Car?

    Can I Settle a Debt After Being Served?

    Can I Stop Wage Garnishment?

    Can You Appeal a Default Judgement?

    Do I Need a Debt Collection Defense Attorney?

    Do I Need a Payday Loans Lawyer?

    Do student loans go away after 7 years? — Student Loan Debt Guide

    Am I Responsible for My Spouses Medical Debt?

    Should I Marry Someone With Debt?

    Can a Debt Collector Leave a Voicemail?

    How Does Debt Assignment Work?

    What Happens If a Defendant Does Not Pay a Judgment?

    How Does Debt Assignment Work?

    Can You Serve Someone with a Collections Lawsuit at Their Work?

    What Is a Warrant in Debt?

    How Many Times Can a Judgment be Renewed in Oklahoma?

    Can an Eviction Be Reversed?

    Does Debt Consolidation Have Risks?

    What Happens If You Avoid Getting Served Court Papers?

    Does Student Debt Die With You?

    Can Debt Collectors Call You at Work in Texas?

    How Much Do You Have to Be in Debt to File for Chapter 7?

    What Is the Statute of Limitations on Debt in Washington?

    How Long Does a Judgment Last?

    Can Private Disability Payments Be Garnished?

    Can Debt Collectors Call From Local Numbers?

    Does the Fair Credit Reporting Act Work in Florida?

    The Truth: Should You Never Pay a Debt Collection Agency?

    Should You Communicate with a Debt Collector in Writing or by Telephone?

    Do I Need a Debt Negotiator?

    What Happens After a Motion for Default Is Filed?

    Can a Process Server Leave a Summons Taped to My Door?

    Learn More With These Additional Resources:

    Need help managing your finances? Check out these resources.

    How to Make a Debt Validation Letter - The Ultimate Guide

    How to Make a Motion to Compel Arbitration Without an Attorney

    How to Stop Wage Garnishment — Everything You Need to Know

    How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

    Defending Yourself in Court Against a Debt Collector

    Tips on you can to file an FDCPA lawsuit against a debt collection agency

    Advice on how to answer a summons for debt collection.

    Effective strategies for how to get back on track after a debt lawsuit

    New Hampshire Statute of Limitations on Debt

    Sample Cease and Desist Letter Against Debt Collectors

    The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

    West Virginia Statute of Limitations on Debt

    What debt collectors cannot do — FDCPA explained

    Defending Yourself in Court Against Debt Collector

    How to Liquidate Debt

    Arkansas Statute of Limitations on Debt

    Youre Drowning in Debt — Heres How to Swim

    Help! Im Being Sued by My Debt Collector

    How to Make a Motion to Vacate Judgment

    How to Answer Summons for Debt Collection in Vermont

    North Dakota Statute of Limitations on Debt

    ClearPoint Debt Management Review

    Indiana Statute of Limitations on Debt

    Oregon Eviction Laws - What They Say

    CuraDebt Debt Settlement Review

    How to Write a Re-Aging Debt Letter

    How to Appear in Court by Phone

    How to Use the Doctrine of Unclean Hands

    Debt Consolidation in Eugene, Oregon

    Summoned to Court for Medical Bills? What to Do Next

    How to Make a Debt Settlement Agreement

    Received a 3-Day Eviction Notice? Heres What to Do

    How to Answer a Lawsuit for Debt Collection

    Tips for Leaving the Country With Unpaid Credit Card Debt

    Kansas Statute of Limitations on Debt Collection

    How to File in Small Claims Court in Iowa

    How to File a Civil Answer in Kings County Supreme Court

    Roseland Associates Debt Consolidation Review

    How to Stop a Garnishment

    Debt Eraser Review

    Do Debt Collectors Ever Give Up?

    Can They Garnish Your Wages for Credit Card Debt?

    How Often Do Credit Card Companies Sue for Non-Payment?

    How Long Does a Judgement Last?

    ​​How Long Before a Creditor Can Garnish Wages?

    How to Beat a Bill Collector in Court