How to Beat Frontline Asset

Patrick Austin, J.D. | February 02, 2024

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

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 make them 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 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 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:

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

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"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

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