Who is Gurstel Law Firm?
Gurstel Law Firm, also known as Gurstel Chargo, is a law firm that operates as a debt collection agency. With its headquarters in Minneapolis, Minnesota, and multiple locations across several states, the firm is involved in debt collection efforts nationwide.
If Gurstel Law Firm appears on your credit report, it means that the firm has been contracted to collect a debt you originally owed to another creditor, or they have bought an old debt you owed.
Who does Gurstel Law Firm collect for?
Gurstel Law Firm collects for a variety of creditors, typically working with businesses from various industries to collect debts that are past due. This can include companies in sectors such as healthcare, credit card companies, utility providers, and other businesses that provide goods or services on credit.
Is Gurstel Law Firm legit or a scam?
Gurstel Law Firm is a legitimate company. However, as with all debt collection agencies, their efforts to collect a debt can be persistent and might feel invasive, including repeated calls, texts, or emails.
How can I remove Gurstel Law Firm from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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Gurstel Law Firm, P.C. Contact Information
Address:
Gurstel Law Firm, P.C.
6681 Country Club Drive
Minneapolis, MN 55427
Phone number: (877) 344-4002
Should I contact or pay Gurstel Law Firm?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Gurstel Law Firm is to work with a credit repair professional. They help remove millions of negative items every year from companies like Gurstel on behalf of their clients.
Will Gurstel Law Firm sue me or garnish my wages?
As a law firm and debt collection agency, Gurstel Law Firm does have the ability to sue for unpaid debts. If they decide to sue and they win a judgement against you in court, they could potentially garnish your wages or levy your bank account, depending on the laws of your specific state.
However, suing is generally a last resort for collection agencies due to the time, cost, and resources involved. Often, they prefer to work out some type of payment arrangement with you. It’s essential to remember that communication is key. If you receive a communication from Gurstel Law Firm or any collection agency, don’t ignore it.
Gurstel Law Firm, P.C. Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed by Gurstel Law Firm, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Gurstel Law Firm, P.C.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Gurstel Law Firm to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Gurstel Law Firm may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Gurstel Law Firm must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Gurstel Law Firm cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Gurstel Collections From Your Credit Report Today!
Credit Saint can assist you in disputing Gurstel collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.
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