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Gurstel Law Firm Reviews, Complaints & Contacts

Gurstel Law Firm, P.C. is a Golden Valley, Minnesota law firm that says on its own site that its primary business purpose is debt collection. BBB rates it A+ with 50 complaints, the CFPB database shows 593, and Trustpilot shows 3.2 from 1 review. Court dockets name the firm, and a 2004 post on USAComplaints is linked.

REVIEWS & COMPLAINTS2on USAComplaints · none in 2023-2026 · latest 2010
WEBSITEgurstel.com
HEADQUARTERSGolden Valley, MN
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Submit a Complaint Read reviews & complaints ↓ Official website ↗
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Contacts & Payment

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Customer service & general contact

Billing & payments

Official website

Other contacts

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Locations

  • Headquarters6681 Country Club Drive, Golden Valley, MN 55427
  • Branch office9320 E. Raintree Drive, Scottsdale, AZ 85260
  • Branch office4401 Westown Parkway, Suite 270, West Des Moines, IA 50266
Show 6 more locations
  • Branch office1610 Arden Way, Suite 275, Sacramento, CA 95815
  • Branch office1561 E. Orangethorpe Avenue, Suite 100, Fullerton, CA 92831
  • Branch office10110 Nicholas Street, Suite 203, Omaha, NE 68114
  • Branch office376 E. Warm Springs Road, Suite 240, Las Vegas, NV 89119
  • Branch office2875 Decker Lake Drive, Suite 240, West Valley City, UT 84119
  • Branch office9000 W. Chester Street, Suite 150, Milwaukee, WI 53214
EDITORIAL

Is Gurstel Law Firm Legitimate?

BBB, CFPB and Trustpilot figures

Legal name
Gurstel Law Firm, P.C.
Founded
1997
Business type
Debt-collection law firm headquartered in Golden Valley, Minnesota, that says it collects consumer and commercial debts for creditors, with offices in several states
Website
gurstel.comSource: gurstel.com home page, checked
Headquarters
Golden Valley, MNSource: gurstel.com home page, 'Serving Clients Across the US' office list, checked

BBB lists Gurstel Law Firm, P.C. as a corporation headquartered at 6681 Country Club Dr, Golden Valley, Minnesota, accredited since 2020 and rated A+, with 50 complaints in the last three years and a 1 out of 5 average over 36 customer reviews. The firm's own site states that its primary business purpose is debt collection and lists offices in nine locations. The CFPB database shows 593 consumer complaints naming the company since 2013, and CourtListener lists 162 dockets with 'Gurstel' in the case name.

A letter from a collection law firm is not proof that a debt is valid or that the amount is correct. The CFPB says a written dispute within 30 days requires the collector to provide verification. Compare any amount against your own records and the original creditor's statements, and respond to court papers before the deadline in them.

EXTERNAL SOURCE

Independent Sources

BBBGurstel Law Firm, P.C., Golden Valley, MN
36 reviews · 50 complaints · BBB business grade A+ · average customer rating 1 / 5
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CFPB
593 complaints
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Trustpilot
1 review · TrustScore 3.2 / 5
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CONSUMER ALLEGATION

Reviews & Complaints on USAComplaints

2 complaints linked to the Gurstel Law Firm profile are published on this site (2004-2010). None are from 2023-2026.

EDITORIAL

Complaint record: BBB, CFPB, Trustpilot and this site's archive

BBB (profile for Gurstel Law Firm, P.C., headquarters and corporate-owned locations): BBB Accredited, rating A+. The complaints tab shows '50 total complaints in the last 3 years' and '9 complaints filed in the last 12 months'; the reviews tab shows '1 /5 stars, Average of 36 Customer Reviews'. BBB states that the nature of complaints and a company's responses can matter more than the number, and that profiles generally cover a three-year period. Review text is customer-written and unverified by us.

CFPB Consumer Complaint Database (queried October 18, 2026 for the company name 'Gurstel Law Firm, P.C.'): 593 complaints in total, the first received August 23, 2013 and the latest September 29, 2026; 111 received since October 18, 2025. In that total, 550 are filed under the product 'Debt collection'. The most frequent issue labels are 'Took or threatened to take negative or legal action' (147) and 'Attempts to collect debt not owed' (143). The company response field shows 'Closed with explanation' for 573, 'Closed with non-monetary relief' for 10 and 'Closed' for 9, with 1 in progress. These counts are consumer submissions as the CFPB database labels them; they are not findings, and we do not add them to the BBB figures.

Trustpilot: 3.2 from 1 review, unclaimed profile, no history of asking for reviews.

Complaints on this site. The linked complaints about the firm are two older posts. A 2004 post, titled 'Ripoff', names The Gurstel Law Firm, P.A. in Minneapolis; its author writes that the firm is trying to make them pay a retail store account. A 2010 post about garnishment of Social Security income names 'Gurstel, Staloch & Chargo' (see the company background section). Both are consumer accounts and have not been verified. The 2004 post names the firm as 'P.A.' while BBB lists 'P.C.'; we have not matched the two names through a registry. With only two linked posts, this page lists no complaint themes.

Had an experience with Gurstel Law Firm? Tell other people what happened.

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EDITORIAL

Gurstel Law Firm complaints: how to dispute a debt, pay, or complain

Gurstel Law Firm is a law firm whose own site says its primary business purpose is debt collection, so a letter, call or court paper from it is about a debt that the firm says a client (a creditor or a debt buyer) is owed. The firm is a separate business from the original creditor. Keep every letter, envelope and court paper, and note the date each arrived.

  • Contact the firm. The firm's contact page lists (877) 344-4002 (TTY 711), telephone hours Monday through Friday 8:00 AM-7:00 PM Central, and consumer inquiries at [email protected]. Its Resolve your Debt page lists the same number with different hours in one paragraph (8:00 AM-5:00 PM Central), so confirm hours when you call. Payments are accepted through its online portal, by phone, or by mail to Gurstel Law Firm, P.C., 6681 Country Club Drive, Golden Valley, MN 55427, with the Gurstel file number on the check or money order.
    The Resolve your Debt page says not to mail cash and not to include any restrictive language on a check or money order, 'or we may not be able to process your payment'. It describes online payment as using 'your debit card or bank account information'. The contact page lists walk-in payment in (AZ, CA-Fullerton, IA, MN, NE, NV, UT, WI) during physical office hours of 8:00 AM-5:00 PM local time, and a text channel ('Text JOIN to 59531') for messages regarding your file.
  • Disputing a debt. According to the CFPB's page on debts you do not think you owe, a written dispute sent within 30 days of the collector's notice obliges the collector to provide verification, and collection contact pauses until it responds. The CFPB page was last reviewed in August 2023; read the current page before relying on it. The same CFPB page says the notice should state that, if you ask within 30 days for the name and address of the original creditor (if different from the current creditor), the collector will provide it. The same CFPB page also says that a validation notice specifies the end date of the 30-day period. Send disputes in writing and keep a copy. The firm's contact page says 'You can send written correspondence to any of our office locations' (listed in the company background section); BBB's profile lists a primary fax of (877) 750-6335.
  • If you receive court papers. The CFPB's page on being sued by a creditor or debt collector says to read the lawsuit carefully and respond by the deadline in the court papers; the court may enter a default judgment if there is no response. Court deadlines are set by the court and the state, not by this page. A legal aid office or an attorney can advise on a specific lawsuit.
  • Complaint routes. The CFPB accepts complaints about debt collection at consumerfinance.gov/complaint. BBB accepts complaints against the business through its profile. BBB's profile lists 'Minnesota Supreme Court Legal Professional Responsibility' (345 Saint Peter St Ste 1500, Saint Paul, MN 55102, phone (651) 296-3952) under 'Other Resources'. Your state attorney general's consumer office also takes complaints.
EDITORIAL

Court dockets that name the firm

CourtListener lists 162 dockets with case names containing 'Gurstel'. The results include suits in which Gurstel Law Firm, P.C. is a named party. Examples among the newest results, with the filing dates CourtListener displays, are Trost v. Gurstel Law Firm, P.C. (D. Minn., filed February 9, 2026). Another is Hess v. Gurstel Law Firm, P.C. (Bankr. D. Minn., February 2, 2026). Another is Rudolph v. Gurstel Law Firm, P.C. (D. Minn., January 16, 2026). Another is Moore v. Gurstel Law Firm P.C. (D. Minn., October 24, 2025).

More on the lawsuitsShow less

Another is Petry v. Gurstel Law Firm, P.C. (D. Minn., 0:25-cv-03770, filed September 25, 2025, terminated February 23, 2026, cause listed as 15:1692 Fair Debt Collection Act). The last is Walker v. Gurstel Law Firm, P.C. (D. Minn., 0:25-cv-03774, filed September 25, 2025; CourtListener lists the cause as 15:1692 Fair Debt Collection Act and the case as terminated on September 29, 2026).

A lawsuit is an allegation, and the firm's position in each case is for the court to decide. A search count is not a measure of wrongdoing; a debt-collection firm that files many lawsuits for clients can be named in many suits.

Appeals-court decisions naming a similarly named firm. The Eighth Circuit's opinion in Demarais v. Gurstel Chargo, P.A. (No. 16-3173, decided August 29, 2017) reversed the district court's dismissal of a consumer's Fair Debt Collection Practices Act complaint against Gurstel Chargo, P.A. and remanded for further proceedings (Justia's opinion summary). At that stage the court was deciding whether the claims were plausibly pleaded, not whether the firm violated the law.

In Scheffler v. Gurstel Chargo, P.A. (No. 17-2141, decided August 27, 2018) the Eighth Circuit affirmed summary judgment for the defendant law firm. Per Justia's opinion summary, the court held that the consumer voluntarily and knowingly waived his cease letter for the limited purpose of allowing the debt collector to answer a question he called to ask about the debt. These are listed for context; this page does not tie 'Gurstel Chargo, P.A.' to the current legal entity (see the company background section).

The CFPB enforcement-actions page lists no results for 'Gurstel'.

EDITORIAL

Who Gurstel Law Firm is

BBB lists Gurstel Law Firm, P.C., a corporation, with headquarters at 6681 Country Club Dr, Golden Valley, MN 55427-4601 and the alternate name 'Gurstel Law Firm'. BBB gives a business start of July 9, 1996, a file opened February 6, 2003 and accreditation since August 28, 2020. BBB's profile names Todd Gurstel as CEO and lists 320 employees as reported by the business; the firm's About page also lists Todd Gurstel as Chief Executive Officer.

The firm says on its About page that it was founded in 1997 in Minnesota and now serves clients in Arizona, California, Iowa, Minnesota, Nebraska, Nevada, Utah, Wisconsin and Wyoming. Its home page lists offices in Golden Valley (Minnesota, headquarters), Scottsdale, West Des Moines, Sacramento, Fullerton, Omaha, Las Vegas, West Valley City and Milwaukee, and says it holds commercial collection licenses in over thirty states.

More company historyShow less

The firm describes its work as consumer debt collection (credit cards, auto deficiencies) and commercial debt collection for banks, lenders, credit unions, insurers and finance firms. Its site footer states a California debt collection license number (10361-99), an NMLS ID (2249580) and a Certified Professional Receivables Company number, and says it is affiliated with industry groups including the Receivables Management Association International and the National Creditors Bar Association. Those are the firm's own statements.

Archive posts, court opinions and other pages use names such as 'Gurstel, Staloch & Chargo' and 'Gurstel Chargo, P.A.' for a Minnesota debt-collection firm.

EDITORIAL

Frequently Asked Questions

What is Gurstel Law Firm?

Gurstel Law Firm, P.C. is a Minnesota-headquartered law firm that states on gurstel.com that its primary business purpose is debt collection. BBB lists its headquarters at 6681 Country Club Dr, Golden Valley, MN, and the firm says it was founded in 1997.

What phone number does Gurstel Law Firm use?

For Gurstel Law Firm, the firm's contact page lists (877) 344-4002 (TTY 711). It gives telephone hours of Monday through Friday, 8:00 AM-7:00 PM Central, while its Resolve your Debt page gives 8:00 AM-5:00 PM Central in one paragraph, so confirm the hours when you call.

How can I pay Gurstel Law Firm?

Gurstel Law Firm's Resolve your Debt page says it accepts payments through its online portal, over the phone with a representative, or by mail to 6681 Country Club Drive, Golden Valley, MN 55427, with the Gurstel file number included and no cash. Confirm the balance and the creditor before paying.

How do I dispute a debt that Gurstel Law Firm contacted me about?

For a debt Gurstel Law Firm contacted you about, the CFPB's page on debts you do not think you owe says a written dispute within 30 days of the collector's notice requires the collector to provide verification. The page also says collection contact pauses until it responds (page last reviewed August 2023). Send the dispute in writing, keep a copy, and check the current CFPB page.

What should I do if Gurstel Law Firm files a lawsuit against me?

If Gurstel Law Firm sues you, the CFPB's page on being sued by a creditor or debt collector says to read the lawsuit carefully and respond by the deadline in the court papers. The page also says the court may enter a default judgment against someone who does not respond. A legal aid office or an attorney can advise on your case.

What is Gurstel Law Firm's BBB rating?

For Gurstel Law Firm, BBB's headquarters profile for the firm carries the letter A+ and the BBB Accredited label. The same profile counts 50 complaints over three years (9 of them in the latest 12 months) and averages 36 customer reviews at 1 out of 5; the letter grade and the review average are measured separately by BBB.

How many CFPB complaints name Gurstel Law Firm?

The CFPB Consumer Complaint Database showed 593 complaints for 'Gurstel Law Firm, P.C.' when queried on October 18, 2026, the first received August 23, 2013 and 111 received in the 12 months before the query. They are consumer submissions, not findings against the firm.

Is Gurstel Law Firm the company I originally owed?

For Gurstel Law Firm, the firm's own site says it partners with creditors to resolve consumer and commercial debt, and that communications from it are attempts to collect a debt. It acts for a client, so the original creditor or debt owner named in its letter is a different business. Check the creditor's name and the amount against your own records.

How do I log in to my Gurstel Law Firm online account?

Gurstel Law Firm's Resolve your Debt page says that once you activate your online account, you can log in to view your balance, update contact information, make payments and propose a resolution offer. Gurstel Law Firm's Resolve your Debt page also says that you should have your account information available when you log in to its secure payment portal. For help with an account, the page lists (877) 344-4002, Monday through Friday, 8:00 AM-7:00 PM Central Time.

Is Gurstel Law Firm a scam?

Gurstel Law Firm, P.C. is a law firm headquartered at 6681 Country Club Drive, Golden Valley, Minnesota, that states on its own site that its primary business purpose is debt collection. BBB lists it as accredited since August 2020 with an A+ rating, and the CFPB enforcement actions page lists no action under the name Gurstel. The CFPB consumer complaint database does list consumers' complaints naming the firm. Before paying anyone who contacts you about a Gurstel account, call the number on the firm's contact page, (877) 344-4002. The CFPB says that if you dispute a debt in writing within 30 days, the debt collector will provide verification of the debt.

Is Gurstel Law Firm legit?

Gurstel Law Firm, P.C. was founded in 1997 in Minnesota according to its About page, and its contact page lists nine office locations: Golden Valley (headquarters), Scottsdale, West Des Moines, Sacramento, Fullerton, Omaha, Las Vegas, West Valley City and Milwaukee. Its site footer gives California debt collection license 10361-99 and NMLS ID 2249580. The contact page lists (877) 344-4002, TTY 711, and consumer inquiries at [email protected].