About Frost Echols

With decades of combined experience in creditors’ rights and collections law, founding partners Mike Frost and Chad Echols bring a distinctive perspective to their practice. Having served as general counsel for major organizations, they understand the challenges executives face from both legal and operational standpoints.

Comprehensive Legal Representation

Our firm provides extensive federal and state trial and appellate representation across multiple jurisdictions. This wide presence allows us to serve clients efficiently across a broad geographic footprint while maintaining consistent, high-quality representation at both trial and appellate levels.

Leadership Through Experience

Our partners’ extensive experience working alongside C-suite executives has shaped our firm’s unique approach to legal counsel. By sitting at management tables across the industry, they’ve gained invaluable insights into:

  • Strategic decision-making at the executive level
  • Operational challenges facing collection agencies and creditors
  • Resource allocation and budget management
  • Risk assessment and compliance strategy
  • Business process optimization

This firsthand experience means we don’t just provide legal advice – we deliver practical solutions that align with your business objectives.

A Business-First Approach

At Frost Echols, we recognize that legal strategy must serve business goals. Our approach combines:

  • Deep industry knowledge of the credit and collections sector
  • Practical understanding of operational constraints and opportunities
  • Strategic cost-benefit analysis for every recommendation
  • Focus on efficiency and effectiveness in legal solutions
  • Proactive risk management and compliance guidance

Committed to Industry Excellence

Our dedication to the credit and collection industry goes beyond case work. We’re actively invested in:

  • Advancing industry best practices
  • Developing comprehensive compliance frameworks
  • Creating sustainable risk management strategies
  • Building long-term client relationships
  • Reducing overall legal exposure and expenses

Through our focused expertise and commitment to the industry, we help companies navigate complex regulatory environments while maintaining operational efficiency. Our proactive approach to legal counsel helps clients understand their obligations, implement effective compliance measures, and minimize legal expenses over time.

Industry Leadership

Our partners maintain active leadership roles in key industry organizations, including ACA International, where they have served on the board of directors. This involvement keeps us at the forefront of industry developments, ensuring our clients benefit from the latest insights and strategic approaches in creditors’ rights and collections law.