Gurstel Law Firm P.C.: Who They Are and What to Do If They Contact You About a Business Balance

What Gurstel Law Firm is

Gurstel Law Firm, P.C. (gurstel.com), headquartered at 6681 Country Club Drive, Golden Valley, Minnesota 55427, phone (877) 344-4002, info@gurstel.com, with a compliance address at compliance@gurstel.com and a debt-resolution address at resolve@gurstel.com. The site lists offices in Scottsdale, Arizona; West Des Moines, Iowa; Sacramento and Fullerton, California; Omaha, Nebraska; Las Vegas, Nevada; West Valley City, Utah; Milwaukee, Wisconsin; and Cheyenne, Wyoming, and says the firm holds commercial collection licences in more than thirty states with a fifty-state network of collection attorneys. Its footer discloses a California Debt Collection License, an NMLS ID and a named Director of Compliance, and states that the firm's primary business purpose is debt collection.

The Better Business Bureau lists Gurstel Law Firm, P.C. under collection attorney: BBB accredited since August 28, 2020, rated A+, business started July 9, 1996, BBB file opened February 6, 2003, a corporation with 320 employees, CEO Todd Gurstel, with 51 complaints in the last three years and 9 closed in the last twelve months (checked September 24, 2026). For a firm that says it handles high-volume collections nationwide, that complaint count is small relative to the number of accounts it touches; read it as a measure of how it handles disputes, not of how many people it contacts.

What it is not: a funder, a lender or a merchant cash advance provider. There is no Gurstel advance, no factor rate and no reconciliation clause of its own. If our earlier page led you to expect any of those, disregard it.

What the firm collects, in its own words

The commercial side of the practice lists auto replevins and deficiencies, credit card collections, equipment finance and leasing litigation (including replevin and deficiency suits), general contract collection, credit union and financial institution recovery, insurance premium and subrogation collections, and a nationwide commercial collection network. Its published case results describe recovering 1.2 million dollars for a commercial leasing firm through skip tracing, UCC lien enforcement and coordinated litigation across more than 100 lessees, 950,000 dollars for a national business lender through judgments enforced by wage garnishment and bank levies, and 1.8 million dollars for a supply chain finance company on defaulted factoring agreements with corporate and personal guaranties. Those are the firm's own marketing claims, not audited figures, but they describe exactly the kind of account a business owner with a lender, lessor or factor behind them should expect: judgment first, then enforcement.

The firm also says it reports judgments to the three major credit bureaus and that most matters resolve within three to six months once legal proceedings begin, with pre-litigation demand letters producing payment in 30 to 45 days. It works on contingency for most consumer and small-business debts.

Where it appears in the court record

CourtListener returns nearly 500 federal dockets with Gurstel as a party, the great majority of them Fair Debt Collection Practices Act or Fair Credit Reporting Act suits brought by consumers against the firm over consumer accounts, in Minnesota, Nebraska, Arizona, Texas, Florida and elsewhere, continuing into 2026 (for example Trost v. Gurstel Law Firm, D. Minn. 0:26-cv-01252, filed February 9, 2026, and an adversary proceeding, Hess v. Gurstel Law Firm, Bankr. D. Minn. 26-05006). A volume collector with 320 employees accumulates FDCPA suits as a cost of doing business; we have not read the pleadings and this page does not characterise any of them. No regulatory action against the firm was located in the sources checked.

Why a business owner hears from Gurstel

Because a creditor has placed the account with it: a business credit card issuer, an equipment lessor, a bank, a factor or a business lender, and sometimes a merchant cash advance funder. The firm is the creditor's counsel; the agreement, the payment history, the personal guaranty and any UCC filing belong to the creditor, and that paperwork decides what can be argued. On equipment accounts the firm files replevin suits to recover the collateral, and after any judgment its stated tools are garnishment, levies, liens and credit reporting.

What to establish from your own paperwork

• Which creditor, which agreement and what balance. Ask in writing, at 6681 Country Club Drive, Golden Valley, MN 55427, for the creditor's name, the agreement date, the amounts financed or advanced, every payment or debit credited and the balance claimed.
• Whether a suit or judgment already exists, and where. The firm files in the state where it is licensed and the debtor sits; check your own state's court records for the business name and the guarantor's name. If a summons exists, the answer deadline runs from service, usually 20 or 30 days.
• The reconciliation clause (MCA balances). If revenue fell and the funder refused or ignored a reconciliation request, that is the centre of most MCA disputes. Pull the clause and the request history.
• Whether the FDCPA applies. A merchant cash advance, equipment lease or business loan is a commercial transaction, so the federal Fair Debt Collection Practices Act generally does not apply, even though the firm is sued under it constantly over consumer accounts. State collection licensing, attorney conduct rules and the general prohibitions on misrepresentation still do, and a personal guaranty can bring the owner's own protections into play.
• Any UCC filing, replevin exposure, confession of judgment or personal guaranty. These decide what can be reached and how fast. See how MCA debt relief works.

If a lawsuit has been filed

The plaintiff will be the creditor, with Gurstel as counsel. Answer before the deadline; a default judgment ends the negotiation and opens the garnishment, levy and credit-reporting tools the firm advertises. See what to do if a creditor represented by Gurstel sues.

Can the balance be settled?

Usually, if the underlying account is real. The firm runs a Resolve Your Debt page and a payment portal, works on contingency, and says pre-litigation letters often produce payment within 45 days, which means it is built to settle; placed balances settle within limits the creditor sets, and a documented revenue drop, bank statements and a realistic lump sum or schedule tend to be heard. Get the creditor's sign-off in writing before paying. See how a balance Gurstel is collecting can be settled.

Business Debt Adjusters reviews the agreement, the payment history and any filings, and tells you what is realistic before you commit to anything.

Sources

• Gurstel Law Firm P.C. website (services, offices, case results, disclosures including primary business purpose of debt collection, California licence and NMLS ID)
• BBB Business Profile: Gurstel Law Firm, P.C., Golden Valley, MN (accredited since 8/28/2020, A+, started 7/9/1996, 320 employees, 51 complaints in 3 years, 9 closed in 12 months)
• CourtListener docket search: suits naming Gurstel as defendant (FDCPA and FCRA dockets through 2026, including Trost v. Gurstel Law Firm, D. Minn. 0:26-cv-01252)

Facts on this page were checked against the linked sources on September 24, 2026. Business Debt Adjusters is not affiliated with, endorsed by, or authorized to represent the company described.