Start My Answer
loading...

Settle Debt With Frontline Asset

Patrick Austin, J.D. | July 30, 2024

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If Frontline Asset Strategies has contacted you about a debt, stand up for your rights and ask them to validate it. If you’ve been sued for debt, respond to the lawsuit and settle the debt before going to 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 resolve debt with Frontline Asset outside of court.

Settle debt with Frontline Asset Strategies

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

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 buys 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.

Check out these Frontline Asset Strategies reviews

Frontline Asset Strategies reviews aren’t great. The Better Business Bureau (BBB) gives the company 1 out of 5 stars, and the Consumer Financial Protection Bureau (CFPB) has received hundreds of complaints against FrontLine over the past three years.

Let’s take a look at some real Frontline Asset Strategies reviews:

Frontline Asset Strategies has received many complaints

As you can see from the reviews above, 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.

The following chart shows that complaints submitted to the CFPB against Frontline Asset Strategies have increased over the last three years, which suggests that Frontline is amping up their collection efforts.

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 resolve debt with 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 defend yourself in court or settle the debt without going to court in the first place. And you might even get the collector to pay compensatory damages if they violated the FDCPA.

Good luck!

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 all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources


Contents