Start My Answer

How to Beat Gurstel

George Simons | October 19, 2022

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Have you received a court Summons and Complaint for debt from Gurstel Law Firm, PC? SoloSuit can help you take a stand and win in court.

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

If you are being subjected to harassment by a debt collector associated with Gurstel, it is perfectly understandable if you are feeling stressed, frustrated and anxious about the future. Gurstel, like many other debt collection law firms, often utilize aggressive and even abusive tactics to get consumers to repay the debt they allegedly owe.

That is why Gurstel may call you on your phone multiple times each day, try to connect with you on Facebook, Twitter, or another social media platform and they will probably send you threatening letters in the mail. Here's everything you need to know about Gurstel, how they collect debts, and how you can beat them in court.

Gurstel is a legitimate law firm that specializes in debt collection

Gurstel is a law firm focused primarily on debt collection, including handling third-party debt collection. The Gurstel law firm maintains multiple offices across the country, including offices in Minnesota, Arizona, Iowa, Nebraska, Utah, and Wisconsin. Most of the law firm's locations go by the name “Gurstel Law Firm”, including the main office in Minneapolis. However, if you receive a threatening letter in the mail from “Gurstel Chargo Attorney at Law” do not let the slight difference in the name confuse you; it is actually the same company (i.e., “Gurstel Chargo” is just the name the firm uses for their Omaha office).

You can contact Gurstel Law Firm at:

6681 Country Club Dr
Golden Valley, MN 55427-4601

Phone: (877) 344-4002


Gurstel Law Firm has bad reviews

Gurstel has developed a reputation for routinely utilizing unethical tactics to convince you to pay off your outstanding debts. Consumer reviews about the Gurstel law firm reflect multiple complaints and serious allegations of impropriety. This is probably why there was a class-action lawsuit filed in 2018 for violating privacy rights under the Fair Credit Reporting Act (FCRA).

Gurstel Law Firm, PC has a rough rating of 1.29 stars out of 5 on its Better Business Bureau profile. It has also received dozens of complaints on BBB. These complaints demonstrate how hard it is to work with Gurstel, their persistent and demanding collection tactics, and their complete disregard of consumer rights.

If you have received threatening phone calls and emails from Gurstel, never give up hope. You can work your way out of this by taking action with the tools offered by SoloSuit.

Know your rights when Gurstel contacts you to collect a debt

Gurstel is known for attempting aggressive tactics against people who are unaware of their legal rights under the Fair Debt Collection Practices Act. The FDCPA states guidelines and rules that dictate how debt collectors can act. Some of the restrictions on companies such as Gurstel include:

  • Debt collectors can never contact you when you are working.
  • Debt collectors cannot use rude or vulgar language when talking to you on the phone or in emails or texts.
  • Debt collectors are not allowed to threaten lawsuits.
  • Debt collectors cannot contact you before eight in the morning or after nine at night.

You can defend yourself if Gurstel Law Firm sues you ou

If the Gurstel law firm decides to file a debt collection lawsuit against you, it is recommended you be bold and aggressive in your response and to ensure your response is timely filed. Why? Because members of the Gurstel firm generally expect consumers to ignore the lawsuit and throw it in the garbage. This is understandable, but it only means that the debt collector wins without a fight. Don't make this mistake because there are options on the table to beat debt collectors like a drum, if you know what to do.

Some helpful tips to try when you draft an Answer to the debt lawsuit are:

  • Never concede that you owe the debt! Remember that Gurstel must prove under the law that you owe the debt. Don't give them any help. Make them do all the work.
  • File your Answer with the local Clerk of Court on a timely basis. Most debt collection cases require a response within 20 or 30 days of getting the complaint.
  • Make your Answer copy to Gurstel and make sure it's stamped by the Clerk of Court.

Use these affirmative defenses n your Answer to a debt lawsuit against Gurstel

When you respond to Gurstel's lawsuit, you have the chance to torpedo their legal arguments if you have the knowledge of debt collection tactics and laws. Also, remember that the company must prove that you are the person who owes the debt and owe the alleged amount. This means Gurstel must prove the following:

  • Gurstel has the right under the law to sue you.
  • You are the person who owes the debt.
  • You owe the money listed by Gurstel in the complaint filed in court.

If Gurstel fails to meet these requirements, there are excellent odds you will beat them in court and have the lawsuit tossed out.

Depending on the facts of your case, you might argue that Gurstel did not file the suit within the required statute of limitations. The statute of limitations states that a lawsuit must be filed within a given timeframe.

If the case facts show that Gurstel sued you for debts where the statute of limitations lapsed, you may file a motion to have the suit dismissed with prejudice.

Also, think about filing a countersuit against Gurstel, if you have evidence that proves Gurstel violated the FDCPA when they contacted you to repay a debt. If you possess proof that Gurstel violated this law, you may receive compensatory damages of up to $1,000 per FDCPA violation. They may have to pay your attorney fees, too.

Overview of Actions To Take If You Are Sued By Gurstel

Here's a quick recap of actions to take if Gurstel sues you:

  • Write down any telephone call details if they call you before 8 am or after 9 pm. Also, write down if they contact you at work and/or use abusive and threatening language.
  • Be certain to file your Answer within the required timeframe, or you will lose the case by default.
  • In the Answer, think about raising at least one affirmative defense, such as the statute of limitations. Also insist that Gurstel provide proof of the amount you owe and that you are the one who owes the debt.

Debt collection lawsuits are no fun, but don't despair. With the assistance of SoloSuit, you can beat these shady companies at their own game. And you might even get them to pay compensatory damages if they violated the FDCPA.

Good luck!

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.

Ask a Question

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah; File a Motion to Satisfy Judgment
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

    Guides on how to beat every debt collector

    Being sued by a different debt collector? Were making guides on how to beat each one.

    Win against credit card companies

    Is your credit card company suing you? Learn how you can beat each one.

    Going to Court for Credit Card Debt — Key Tips

    How to Negotiate Credit Card Debts

    How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

    Get answers to these FAQs

    Need more info on statutes of limitations? Read our 50-state guide.

    Why do debt collectors block their phone numbers?

    How long do debt collectors take to respond to debt validation letters?

    What are the biggest debt collector companies in the US?

    Is Zombie Debt Still a Problem in 2019?

    SoloSuit FAQ

    If a car is repossessed, do I still owe the debt?

    Is Portfolio Recovery Associates Legit?

    Is There a Judgment Against Me Without my Knowledge?

    Should I File Bankruptcy Before or After a Judgment?

    What is a default judgment?— What do I do?

    Summoned to Court for Medical Bills — What Do I Do?

    What Happens If Someone Sues You and You Have No Money?

    What Happens If You Never Answer Debt Collectors?

    What Happens When a Debt Is Sold to a Collection Agency

    What is a Stipulated Judgment?

    What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

    Can a Judgement Creditor Take my Car?

    Can I Settle a Debt After Being Served?

    Can I Stop Wage Garnishment?

    Can You Appeal a Default Judgement?

    Do I Need a Debt Collection Defense Attorney?

    Do I Need a Payday Loans Lawyer?

    Do student loans go away after 7 years? — Student Loan Debt Guide

    Am I Responsible for My Spouses Medical Debt?

    Should I Marry Someone With Debt?

    Can a Debt Collector Leave a Voicemail?

    How Does Debt Assignment Work?

    What Happens If a Defendant Does Not Pay a Judgment?

    How Does Debt Assignment Work?

    Can You Serve Someone with a Collections Lawsuit at Their Work?

    What Is a Warrant in Debt?

    How Many Times Can a Judgment be Renewed in Oklahoma?

    Can an Eviction Be Reversed?

    Does Debt Consolidation Have Risks?

    What Happens If You Avoid Getting Served Court Papers?

    Does Student Debt Die With You?

    Can Debt Collectors Call You at Work in Texas?

    How Much Do You Have to Be in Debt to File for Chapter 7?

    What Is the Statute of Limitations on Debt in Washington?

    How Long Does a Judgment Last?

    Can Private Disability Payments Be Garnished?

    Can Debt Collectors Call From Local Numbers?

    Does the Fair Credit Reporting Act Work in Florida?

    The Truth: Should You Never Pay a Debt Collection Agency?

    Should You Communicate with a Debt Collector in Writing or by Telephone?

    Do I Need a Debt Negotiator?

    What Happens After a Motion for Default Is Filed?

    Can a Process Server Leave a Summons Taped to My Door?

    Learn More With These Additional Resources:

    Need help managing your finances? Check out these resources.

    How to Make a Debt Validation Letter - The Ultimate Guide

    How to Make a Motion to Compel Arbitration Without an Attorney

    How to Stop Wage Garnishment — Everything You Need to Know

    How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

    Defending Yourself in Court Against a Debt Collector

    Tips on you can to file an FDCPA lawsuit against a debt collection agency

    Advice on how to answer a summons for debt collection.

    Effective strategies for how to get back on track after a debt lawsuit

    New Hampshire Statute of Limitations on Debt

    Sample Cease and Desist Letter Against Debt Collectors

    The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

    West Virginia Statute of Limitations on Debt

    What debt collectors cannot do — FDCPA explained

    Defending Yourself in Court Against Debt Collector

    How to Liquidate Debt

    Arkansas Statute of Limitations on Debt

    Youre Drowning in Debt — Heres How to Swim

    Help! Im Being Sued by My Debt Collector

    How to Make a Motion to Vacate Judgment

    How to Answer Summons for Debt Collection in Vermont

    North Dakota Statute of Limitations on Debt

    ClearPoint Debt Management Review

    Indiana Statute of Limitations on Debt

    Oregon Eviction Laws - What They Say

    CuraDebt Debt Settlement Review

    How to Write a Re-Aging Debt Letter

    How to Appear in Court by Phone

    How to Use the Doctrine of Unclean Hands

    Debt Consolidation in Eugene, Oregon

    Summoned to Court for Medical Bills? What to Do Next

    How to Make a Debt Settlement Agreement

    Received a 3-Day Eviction Notice? Heres What to Do

    How to Answer a Lawsuit for Debt Collection

    Tips for Leaving the Country With Unpaid Credit Card Debt

    Kansas Statute of Limitations on Debt Collection

    How to File in Small Claims Court in Iowa

    How to File a Civil Answer in Kings County Supreme Court

    Roseland Associates Debt Consolidation Review

    How to Stop a Garnishment

    Debt Eraser Review

    Do Debt Collectors Ever Give Up?

    Can They Garnish Your Wages for Credit Card Debt?

    How Often Do Credit Card Companies Sue for Non-Payment?

    How Long Does a Judgement Last?

    ​​How Long Before a Creditor Can Garnish Wages?

    How to Beat a Bill Collector in Court