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Frontline Asset Strategies is a debt collector that you may hear from if you start to miss payments. They’re a third-party debt collector that specializes in recovering unpaid bills.

As well as being irritating, Frontline’s calls can have detrimental effects on your credit score. The best way to stop Frontline Asset Strategies’ calls and repair your credit is to remove their collections account from your credit report.

About Frontline Asset Strategies

Founded in 2008, Frontline Asset Strategies is a small debt collection company headquartered in Minnesota.

They assist a number of companies with asset recovery services and collect on behalf of companies such as:

  • Banks
  • Auto lenders
  • Education lenders
  • Credit card companies
  • Utility providers

It’s fairly common for oversight bureaus to receive complaints related to debt collection malpractice, and Frontline is no exception in this. It currently has 21 complaints in the last three years filed with the Better Business Bureau (BBB) and 46 complaints filed in 2021 with the Consumer Financial Protection Bureau (CFPB).

Consumers claim that Frontline Asset Strategies have violated their rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) in its effort to collect payments. If you believe that Frontline has violated your consumer rights, you should also consider filing a complaint.

How to remove Frontline Asset Strategies from your credit report

Here are four steps to take to remove the collection account from your credit report.

Communicate strictly through writing

One of the most irritating side effects of being pursued by a debt collector is the constant phone calls. It might feel like your entire voicemail box is filled with Frontline Asset Strategies associates hounding you for money and that there’s nothing you can do to stop it.

However, under federal consumer protection legislation like the FDCPA, you have the right to ask that the agency communicates with you strictly in writing.

Debt collectors like communicating over the phone because it’s more effective for them, though it is distressing for you. They can call dozens of times a day and be slightly more aggressive in their tactics than they can be through writing.

By demanding that the agency contact you through writing, specifically through U.S. mail, you can begin to document all of your interactions with it. Then, if it steps over the lines laid out by consumer protection law, you’ll have proof.

Written communication will also come in handy when the time comes to negotiate a settlement with Frontline Asset Strategies. To switch to written communication with an agency, tell it that you are formally requesting that it contacts you only through U.S. mail.

If it gives you any pushback, tell it that it’s in violation of the FDCPA and hang up.

Here's the mailing address:

Frontline Asset Strategies

2700 Snelling Avenue N.
STE 250
Roseville, MN 55113

Send a Section 609 letter

Once you get Frontline Asset Strategies to start communicating in writing, it’s time to send it a letter of your own, known as a Section 609, or debt validation, letter. This is a formal request from a consumer for a debt collector to provide proof of an active collections account. In other words, you’re putting the burden of proof on the agency to verify that you owe the debt it's collecting.

Debt validation prevents you from making payments on a debt that an agency reports inaccurately due to out-of-date or false information.

Make sure that you send the Section 609 letter as a first priority. This is because the agency is only required to recognize your request for debt validation within the first 30 days of contact with you. If you wait beyond that, it’s not legally obliged to send you validation.

Start with a Section 609 letter template and fill it out using your account information. Send it to Frontline Asset Strategies and ask the letter carrier to provide a return receipt when they deliver the letter. The agency must then provide you with debt validation within 30 days of receiving your letter. This will come in the form of various documents that list the details of your account.

Compare the documents that Frontline Asset Strategies sends you with your own information about your debt. If you notice any conspicuous errors, you should file a dispute with the credit bureaus to remove the account.

Make a pay-for-delete agreement

Debt validation is a great way to remove a debt collector’s account on technicalities. If Frontline Asset Strategies can validate your debt, however, you are wholly responsible for repaying it.

If you have to repay a debt to a collector, the best course of action is to make a pay-for-delete agreement. This type of settlement is a good option for both parties. It removes the damaging account from your credit report and provides payment to the agency on the debt.

You may find that, despite this, Frontline Asset Strategies is hesitant to offer a deletion. This is because many in the industry frown upon removing collection accounts from credit reports. You may be able to convince them to make an exception if you’re able to negotiate effectively.

Begin by asking it to remove the account for 30% of the total balance. Continue to negotiate with the debt collector until you reach an amount at which they’re comfortable deleting the collection entry.

Before you make a payment to Frontline Asset Strategies, get it to send you the full agreement in writing — if possible, on company letterhead to show that it’s official. Once you receive this document, make your first payment on the debt. You should notice that Frontline Asset Strategies’ name disappears from your credit report about 30 days after the agency processes the payment. If it doesn’t, send them notice that it’s not abiding by the terms laid out and consider reporting it to the credit bureaus.

Hire a credit repair company

As you can see, the process of dealing with Frontline Asset Strategies can be complicated. That’s why many people choose to hire a credit repair company to deal with them on their behalf.

Credit repair specialists help consumers by identifying damaging accounts on their credit report and working to remove them. Whether you’re dealing with a debt collector or a bankruptcy, credit repair specialists can help you.

It's advisable to do some research on the companies out there before you hire a credit repair professional. After all, you want to make sure that whoever it is will do a good job.

Luckily, we compiled a list of the top credit repair companies to help make your search easy. Make sure that the firm you choose is the best choice for your unique credit situation.

Dealing with Frontline Asset Strategies

Whether you handle Frontline Asset Strategies on your own or call on a professional, don’t wait another day to start addressing the problem.

The power to improve your credit begins with you. If you’re looking for more information on how to boost your score, check out some of our top articles on how to improve your credit.

Update: This article has been updated to reflect current BBB and CFPB complaints against Frontline Asset Strategies. Unverifiable information was removed.

Disclaimer: This story was originally published on February 22, 2021, on BetterCreditBlog.org. To find the most relevant information concerning collections or credit card inquiries, please visit: https://money.com/how-to-remove-collections-from-credit-report/ or https://money.com/get-items-removed-from-credit-report/