FrontLine Asset Strategies Phone Harassment?

It can be stressful dealing with a debt collector, especially when the company presents itself as ethical and consumer-friendly. FrontLine Asset Strategies (FAS) markets itself as a “tech-centric, compliant” agency focused on fairness and transparency, with certifications meant to show high standards.

However, when clients come to Consumer Rights Law Firm PLLC, they often describe a different experience issues raised about what was said during calls, how collection letters were written, or situations where contact continued even after an attorney sent a written cease-and-desist. The result is a noticeable gap between the company’s marketing language and the consumer experiences that are being documented.

At Consumer Rights Law Firm PLLC, we have been handling debt collection harassment cases since 2010, and we hold a 5-star rating with the Better Business Bureau because we do not take marketing language at face value, we take the facts. FrontLine Asset Strategies has accumulated over 160 federal lawsuits, 34 closed BBB complaints in a three-year period, and CFPB complaints documenting hundreds of consumer issues. That record is the actual story. This guide tells it from verified sources, specific case records, and documented consumer accounts, not from a collector’s homepage.

What Is FrontLine Asset Strategies?

FrontLine Asset Strategies, LLC is a legitimate, nationally licensed and bonded debt collection agency but over 160 federal lawsuits across the United States separate what they say about themselves from what courts and consumers have documented about their actual conduct.

FrontLine Asset Strategies was incorporated in August 2008 and began operations in November 2008. It is headquartered in Roseville, Minnesota, with a secondary office in Jacksonville, Florida, opened in 2021. Its website, previously associated with frontlineas.com has redirected to Radius Global Solutions LLC, suggesting a merger, acquisition, or operational transition that consumers may not immediately recognize when receiving collection calls.

Verified Company Information:

• Full Legal Name: FrontLine Asset Strategies, LLC
• Also Known As: FAS, Frontline, Frontline Asset
• Founded: 2008; incorporated August 2008; operations began November 2008
• CEO: Andrew Dunn
• Chief Sales Officer: Tom Clement
• Headquarters: 2700 Snelling Ave N, Suite 250, Roseville, MN 55113
• Florida Office: 10550 Deerwood Park Blvd., Suite 309, Jacksonville, FL 32256
• Primary Phone: (877) 258-1590
• Local Phone: (651) 621-2800
• Website: frontlineas.com (now redirecting to Radius Global Solutions)
• Consumer Help Line: (877) 258-1590
• BBB Accredited: Yes since 2011
• BBB Consumer Rating: 1 out of 5 stars
• BBB Complaints Closed (Last 3 Years): 34 with 5 in the most recent 12 months
• CFPB Complaints: Hundreds documented with complaint volume increasing over consecutive years
• Federal Lawsuits on PACER: Over 160
• Certifications: CPRC (Certified Professional Receivables Company) DBA International; ACA International member; Receivables Management Association International member
• Type: Third-Party Debt Collector and Debt Buyer

→ FrontLine Asset Strategies Better Business Bureau Profile

In our practice, the combination of a 1-star consumer BBB rating alongside accreditation and an A+ business rating is a telling signal. The A+ reflects the company’s engagement with the BBB’s business process. The 1-star consumer rating reflects what actual people who interacted with FrontLine Asset Strategies reported. Those are two very different data sets, and we pay attention to both.

What Does FrontLine Asset Strategies Collect?

FrontLine Asset Strategies collects across a remarkably wide range of industries, which means a call from them can be connected to almost anything, from an old credit card to a telecom bill to an online lender account you may not immediately recognize.

According to FrontLine Asset Strategies’ official website and their insideARM company profile, their client base and debt types include:

• Online lenders and FinTech companies
• Banks and credit card issuers
• Auto lenders
• Debt buyers
• Commercial lenders
• Wireless and telecom companies
• Mortgage-related accounts
• Education
• Healthcare

Why Is FrontLine Asset Strategies Calling You?

FrontLine Asset Strategies contacts consumers after a creditor or debt buyer assigns or sells a delinquent account linked to their information. However, the link between the consumer and the debt may sometimes be disputed. They collect for lenders, banks, FinTech companies, and telecom providers, and may pursue accounts that have been sold multiple times, with balances that include added fees or interest from previous collectors.

In our practice, clients who receive calls from FrontLine Asset Strategies frequently fall into one of three categories: they recognize the debt but dispute the amount; they recognize a past creditor but believe the balance was resolved; or they do not recognize the account at all either because FrontLine purchased a debt under a name they do not associate with anything they signed, or because FrontLine has reached the wrong person entirely. All three scenarios carry legal implications worth understanding before you respond.

What Do BBB Complaints About FrontLine Asset Strategies?

The BBB complaint record for FrontLine Asset Strategies is both well-documented and consistent, centering on unauthorized account debits, calls to third parties and minors, contacts that continue after stop requests, and calls to wrong numbers that never stop despite assurances.

→ FrontLine Asset Strategies  BBB Complaints Page

• Unauthorized account withdrawal + third-party contact
  A BBB complaint alleges FrontLine Asset Strategies attempted to debit a consumer’s account without authorization, which may implicate the Electronic Fund Transfer Act. The same complaint also reports a collector contacting the consumer’s minor daughter multiple times to locate the debtor, raising concerns under the Fair Debt Collection Practices Act § 805(b) regarding limited third-party contact.
• Repeated calls to wrong person despite requests to stop
  Another complaint describes repeated calls to a person who does not owe the debt, even after multiple requests to stop and to communicate in writing. Continued contact after notice may violate FDCPA provisions on harassment and cease communication under § 805(c).
• Calls to a minor despite Do Not Call listing and promise to stop
  A third complaint alleges repeated calls to a minor’s number on the National Do Not Call Registry over an extended period, followed by another call even after FrontLine promised to stop. This may raise issues under the Telephone Consumer Protection Act and related consumer protection rules regarding repeated unwanted contact.

ComplaintsBoard Call at Work, Refused to Accept Attorney Representation

ComplaintsBoard, which aggregates verified consumer complaints, gives FrontLine Asset Strategies an average rating of 1 star and documents 6 reviews with 0 complaints resolved.

Has FrontLine Asset Strategies Been Sued?

Yes, FrontLine Asset Strategies has been named as a defendant in over 160 federal lawsuits across the United States, according to PACER records. The litigation spans claims under the FDCPA, TCPA, and FCRA, with specific documented violations ranging from misleading collection letters to unauthorized account debits to calls continuing after cease-and-desist orders.

Case 1: Devoe v. FrontLine Asset Strategies, LLC (2023–2024)

Case No.: 2:2023cv10069 Court: U.S. District Court, District of New Jersey Filed: 2023 Document 25 issued: 2024 Source: Justia Devoe v. FrontLine Asset Strategies, LLC

This case alleges that FrontLine Asset Strategies sent collection letters without a date, potentially violating the validation notice requirements under the Fair Debt Collection Practices Act § 809(a), which requires timely written notice within five days of first contact.

Without a date, consumers cannot determine when the 30-day dispute window begins or whether it is still active. This can directly interfere with their ability to exercise their right to dispute and request validation, making it a significant written-document compliance issue.

Case 2: Grinblat v. FrontLine Asset Strategies, LLC (2022–2023)

Case No.: 7:2022cv04467 Court: U.S. District Court, Southern District of New York Filed: 2022 Opinion & Order issued: 2023 Source: Justia Grinblat v. FrontLine Asset Strategies, LLC

Case 3: Bonin v. FrontLine Asset Strategies, LLC: FDCPA Class Action (Wisconsin)

Case No.: 2:17-cv-00090 Court: U.S. District Court, Eastern District of Wisconsin Filed: January 2017 Source: ClassAction.org Bonin v. FrontLine Asset Strategies

What Collection Tactics Has FrontLine Asset Strategies Used?

The litigation history and consumer complaint record against FrontLine Asset Strategies reveals two parallel categories of problematic conduct: call-based harassment tactics and collection letter deficiencies. Both categories carry significant FDCPA exposure, and both have been specifically documented in court filings.

What Are Your Rights When FrontLine Asset Strategies Is Calling You?

Three federal laws protect you directly when FrontLine Asset Strategies is involved and because they collect across multiple industries and also act as a debt buyer, all three can apply simultaneously.

Fair Debt Collection Practices Act (FDCPA): 15 U.S.C. § 1692

• FrontLine Asset Strategies cannot call more than 7 times in a 7-day period, or within 7 days after a completed call about the same debt under CFPB Regulation F.
• They cannot call before 8 a.m. or after 9 p.m. local time under Fair Debt Collection Practices Act § 805(a)(1).
• They must send a written validation notice within 5 days of first contact, including debt details and the 30-day dispute right under FDCPA § 809(a).
• Collection letters should include a date, since missing dates can interfere with calculating the dispute window and may raise FDCPA disclosure concerns.
• If you dispute the debt in writing within 30 days, they must pause collection and credit reporting until they provide verification under FDCPA § 809(b).
• Once you state you are represented by an attorney, they must communicate through that attorney under FDCPA § 805(a)(2).
• After a written cease-and-desist, they must stop most contact, and further calls may violate FDCPA § 805(c).
• Third-party contact is strictly limited to narrow location inquiries and cannot involve repeated outreach under FDCPA § 805(b).
• They cannot create false urgency in settlement offers by implying deadlines that are not real under FDCPA § 807(5).

Telephone Consumer Protection Act (TCPA)

FrontLine Asset Strategies cannot use an automated telephone dialing system or prerecorded message to reach your cell phone without prior express written consent

• Their “multi-channel” and “tech-centric” approach means automated texts and emails may also trigger TCPA exposure if sent without documented consent
• Under the FCC’s April 2025 rule, you can revoke consent through any reasonable means including saying or texting “stop” and every automated contact after that is a willful $1,500-per-message violation
• Each unauthorized automated call or text carries $500 to $1,500 in statutory damages

Fair Credit Reporting Act (FCRA): 15 U.S.C. § 1681

• FrontLine Asset Strategies cannot report inaccurate information to Equifax, Experian, or TransUnion including balances that include unauthorized fees, debts that cannot be verified, or accounts reported under the wrong name
• Collection accounts expire 7 years from the original date of first delinquency not from when FrontLine Asset Strategies acquired or started collecting the account
• You can dispute inaccurate entries simultaneously with all three bureaus and with FrontLine Asset Strategies as the furnisher both must investigate within 30 days and remove what cannot be verified

How to Stop FrontLine Asset Strategies From Calling You

Document From The First Call

Screenshot your complete call log the moment you identify FrontLine Asset Strategies as the caller. Save every voicemail, including robocall messages where the call sounds clipped, prerecorded, or has a delay before a voice comes on. Write a note for each call was it a live agent or automated? Did they identify the company at the start? Did they ask for your personal information before stating who they are or why they are calling? Note every call outside 8 a.m. to 9 p.m. local time. In our practice, clients consistently tell us they wish they had started this log from the very first call because the calls they did not document are the ones that are hardest to use.

Cease-And-Desist Letter

Send a written cease-and-desist letter by certified mail with return receipt to both locations:

FrontLine Asset Strategies, LLC 2700 Snelling Ave N, Suite 250 Roseville, MN 55113

If you believe the account is being serviced from their Florida location as well:

FrontLine Asset Strategies, LLC 10550 Deerwood Park Blvd., Suite 309 Jacksonville, FL 32256

State clearly that you revoke any consent to phone, text, and email contact and demand all telephone communication stop immediately. Keep your USPS tracking confirmations. Every FrontLine Asset Strategies contact after the confirmed delivery dates is a potential independent FDCPA or TCPA violation.

Tell Them You Are Represented By An Attorney

Once FrontLine Asset Strategies knows you have legal representation, they must route all communication through your attorney. If they continue contacting you directly after receiving that disclosure as the ComplaintsBoard reviewer documented that is a standalone FDCPA violation.

Send A Written Debt Validation Request

If FrontLine Asset Strategies has not provided the required written validation notice, or if the notice they sent lacked a date or contained unclear statements about interest or the settlement deadline, send a written request demanding verification. Under FDCPA § 809(b), if sent within 30 days of first contact, all collection must stop until they respond in writing.

File Official Complaints

• FTC
• FCC
• CFPB
• BBB
• Minnesota Attorney General
• Florida Attorney General

Contact Consumer Rights Law Firm PLLC

Contact Consumer Rights Law Firm PLLC at (877) 700-5790 for a free case review. If FrontLine Asset Strategies contacted your family members to locate you, called a minor, refused to accept your attorney representation, continued calling after a written stop request, sent an undated collection letter, created a false settlement deadline, used automated contact without consent, or debited your account without authorization these are precisely the situations our attorneys evaluate and pursue. We handle FDCPA and TCPA cases at no upfront cost in most circumstances, because the law places the attorney fee obligation on FrontLine Asset Strategies when they violate it not on you.

Consumer Rights Law Firm PLLC

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the FrontLine Asset Strategies harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

If you are interested in learning more about how to safeguard yourself and prevent harassment from FrontLine Asset Strategies. call us at (877) 700-5790 for immediate assistance or visit our website.

Success Stories

FAQs

Who is Frontline Asset Strategies and why are they calling me?

Frontline Asset Strategies is a legitimate third-party debt collection agency based in Roseville, Minnesota, that purchases and collects various types of debts. If they’re calling, they believe you owe a debt they are attempting to collect.

Are the phone calls from Frontline Asset Strategies legal or could it be a scam?

It’s likely a legal debt collector, not a scam. However, always request written verification of the debt before taking any action to confirm legitimacy.

What rights do I have under the FDCPA if Frontline calls me too often?

Under the Fair Debt Collection Practices Act (FDCPA), collectors are prohibited from harassing you with excessive calls, calling before 8 a.m. or after 9 p.m., using abusive language, or calling your workplace once told not to.

Can Frontline debt collection sue me or garnish my wages?

They may sue you or garnish wages, but only after obtaining a court judgment and only if the debt is within the statute of limitations.

Can Frontline Asset Strategies threaten arrest or imprisonment?

No. Debt collectors, including Frontline, are not legally allowed to threaten arrest or imprisonment for failure to pay standard consumer debts.

What should I do if Frontline Asset Strategies keeps calling me?

Document each call’s date and time, request debt validation in writing, and send a cease-and-desist letter. If calls continue, file complaints with the CFPB, FTC or your state attorney general.

How do I request proof of the debt from Frontline Asset Strategies?

Within 30 days of first contact, send a written debt validation letter requesting written proof of the debt amount, original creditor and ownership documentation. They must stop collection until they comply.

Can Frontline Asset Strategies report the debt to credit bureaus?

Yes. They can report delinquent accounts to credit bureaus, which may lower your credit score. You can dispute any errors with the bureaus.

Can I sue Frontline collection agency for violations of FDCPA or TCPA?

Yes. If they violate the FDCPA or the Telephone Consumer Protection Act (TCPA) for example via robocalls or harassment you can sue and potentially recover statutory and actual damages.

What if Frontline Asset Strategies continues calls after I send a cease-and-desist letter?

They must legally stop. If calls continue, document them and file complaints with the CFPB, FTC, and your state attorney general. You may also pursue legal action for violations.

Other Phone Numbers Used By Frontline Asset Strategies