Gurstel Law Firm partners with creditors across the United States to resolve commercial and consumer debt through trusted, ethical, and results-driven legal action.

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Gurstel Law Firm partners with creditors across the United States to resolve commercial and consumer debt through trusted, ethical, and results-driven legal action.

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Comprehensive Services

We provide industry-focused debt collection services designed to recover outstanding balances quickly and compliantly. Our team combines proven legal strategies with deep sector expertise, ensuring creditors maximize recovery while protecting their financial and regulatory interests.
Auto Replevins and Deficiencies
We provide fast and effective recovery solutions for delinquent auto loans and lease agreements. Our team works quickly to file suit, obtain judgments and enforce them, ensuring lenders recover assets and money quickly. Our team is also well versed to act swiftly to file replevin suits and recover secured collateral.
Credit Card Collections
Unpaid credit card debts can quickly escalate. We help creditors secure judgments against defaulted accounts and enforce repayment through proven legal remedies. Our strategies are designed to minimize risk, accelerate recovery, and stay within full compliance standards.
Equipment Finance and Leasing Litigation
When a business defaults on equipment financing or leasing, your bottom line takes a hit. We specialize in swift, lawful collections and litigation support to help lenders minimize losses and recover assets, including replevins and deficiency litigation. Our professional team acts quickly to protect your financial interests, so you can focus on what matters most.
General Contract Collection
Contract disputes and unpaid obligations can severely impact cash flow. We assist in recovering debts from breached contracts by securing enforceable judgments. With our structured legal approach, creditors can count on consistent, compliant, and effective collection results.
Credit Unions and Financial Institution Collections and Recovery
We understand the unique challenges faced by credit unions and financial institutions. Our services are tailored to recover delinquent accounts while maintaining member relationships and regulatory compliance. By leveraging legal enforcement tools, we help institutions safeguard their financial stability.
Insurance Subrogation and Insurance Premium Collections
Insurance carriers face significant losses from unpaid premiums and subrogation claims. We pursue recoveries through precise legal action, ensuring insurance companies recoup what they’re owed. Our compliance-driven approach minimizes risk while improving recovery rates.
Nationwide Commercial Collection Network
For businesses with operations across the country, we provide a trusted nationwide collection solution. Our firm holds commercial collection licenses in over thirty states. In addition, our trusted network enables us to pursue commercial debts efficiently, regardless of jurisdiction, with a fifty-state network of competent commercial collection attorneys. With a consistent and compliant process, we maximize recovery for companies of all sizes.
Wage Garnishments & Bank Levies
We move quickly to secure court judgments and enforce them through wage garnishment or direct bank account levies—maximizing recovery while staying fully compliant.
Judgment Enforcement
From lien filings to property seizures and asset location, we use every legal mechanism available to ensure your judgments translate into real results.
Skip Tracing Technology
Our team uses advanced skip tracing tools to locate debtors who’ve changed addresses or concealed assets—so no account goes cold.
Strategic Credit Bureau Reporting
Once a judgment is secured, we can report the debt to major credit bureaus—impacting the debtor’s ability to get credit, lease property, or finance major purchases.
Wage Garnishments & Bank Levies
We move quickly to secure court judgments and enforce them through wage garnishment or direct bank account levies—maximizing recovery while staying fully compliant.
Judgment Enforcement
From lien filings to property seizures and asset location, we use every legal mechanism available to ensure your judgments translate into real results.
Skip Tracing Technology
Our team uses advanced skip tracing tools to locate debtors who’ve changed addresses or concealed assets—so no account goes cold.
Strategic Credit Bureau Reporting
Once a judgment is secured, we can report the debt to major credit bureaus—impacting the debtor’s ability to get credit, lease property, or finance major purchases.

Expert Legal Services, for Debt Recovery

Consumer Debt Collection

We manage consumer debt portfolios with a strong focus on compliance, transparency, and legal enforcement. Our approach is both ethical and results-oriented.

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Commercial Debt Collection

Recover overdue B2B accounts efficiently with strategic litigation and jurisdiction-specific legal action. We represent banks, lenders, service providers, and finance firms in high-volume commercial collections.

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About Gurstel Law Firm P.C.

Our firm’s unvarnished reputation is built on the principle of delivering excellent service and guidance to our clients in Minnesota, Arizona, and many other states. While we understand that such excellence is many times outcome-based, our firm customizes the engagement with each client to ensure that we become a seamless extension of the client’s business in order to deliver peerless legal counsel.

More about us

Reviews and testimonials from our clients.

Gurstel handled our judgment enforcement swiftly and professionally. Their team tracked down the debtor and secured full payment within weeks. We couldn’t be happier with the outcome and their clear communication throughout the process.
Exceptional legal team with real results!
We turned to Gurstel after our previous firm couldn’t get traction. Within 60 days, they located the debtor, filed suit, and secured a lien. Their level of detail and drive sets them apart. Highly recommend!
They deliver on every promise.
From the initial consultation to the final resolution, the team at Gurstel demonstrated deep legal knowledge and excellent client care. They recovered our funds without ever needing to go to court. Truly a five-star experience.
Efficient, knowledgeable, and highly responsive.
Gurstel helped us recover over $200,000 from a distributor that had gone dark. Their skip tracing and legal strategy were incredibly effective. Professionalism at every step.
Powerful legal support for business collections.
Our case involved multiple parties, liens, and delayed payments. Gurstel managed every detail with precision and kept us informed throughout. They resolved it faster than expected and exceeded our expectations.
Top-tier law firm for complex legal issues.
I was impressed by Gurstel’s commitment to getting results. They treated our case with urgency, care, and skill. We recovered the full amount owed—plus costs. Worth every penny.
Legal excellence with real-world impact.
Gurstel handled our judgment enforcement swiftly and professionally. Their team tracked down the debtor and secured full payment within weeks. We couldn’t be happier with the outcome and their clear communication throughout the process.
Exceptional legal team with real results!
We turned to Gurstel after our previous firm couldn’t get traction. Within 60 days, they located the debtor, filed suit, and secured a lien. Their level of detail and drive sets them apart. Highly recommend!
They deliver on every promise.
From the initial consultation to the final resolution, the team at Gurstel demonstrated deep legal knowledge and excellent client care. They recovered our funds without ever needing to go to court. Truly a five-star experience.
Efficient, knowledgeable, and highly responsive.
Gurstel helped us recover over $200,000 from a distributor that had gone dark. Their skip tracing and legal strategy were incredibly effective. Professionalism at every step.
Powerful legal support for business collections.
Our case involved multiple parties, liens, and delayed payments. Gurstel managed every detail with precision and kept us informed throughout. They resolved it faster than expected and exceeded our expectations.
Top-tier law firm for complex legal issues.
I was impressed by Gurstel’s commitment to getting results. They treated our case with urgency, care, and skill. We recovered the full amount owed—plus costs. Worth every penny.
Legal excellence with real-world impact.

Serving Clients Across the US

With offices, attorneys, and licensing across multiple states, Gurstel Law Firm offers the reach and regional insight needed for successful collections.
Minnesota (HQ)
6681 Country Club Drive
Golden Valley, MN 55427
Arizona
9320 E RAINTREE DRIVE
SCOTTSDALE, AZ 85260
IOWA
4401 WESTOWN PARKWAY, SUITE 270 WEST DES MOINES, IA 50266
California
1610 ARDEN WAY, SUITE 275
SACRAMENTO CA, 95815
California
1561 EAST ORANGETHORPE AVE, SUITE 100 FULLERTON, CA 92831
Nebraska
10110 NICHOLAS STREET, SUITE 203
OMAHA, NE 68114
NEVADA
8495 West Sunset Road, Suite 201,
Las Vegas, NV 89113
UTAH
2875 Decker Lake Dr., Suite 240
West Valley City, UT 84119
WISCONSIN
622 N. WATER STREET, SUITE 400
MILWAUKEE, WI 53202-4909
Minnesota (HQ)
6681 Country Club Drive
Golden Valley, MN 55427
Arizona
9320 E RAINTREE DRIVE
SCOTTSDALE, AZ 85260
IOWA
4401 WESTOWN PARKWAY, SUITE 270 WEST DES MOINES, IA 50266
California
1610 ARDEN WAY, SUITE 275
SACRAMENTO CA, 95815
California
1561 EAST ORANGETHORPE AVE, SUITE 100 FULLERTON, CA 92831
Nebraska
10110 NICHOLAS STREET, SUITE 203
OMAHA, NE 68114
Nebraska
10110 NICHOLAS STREET, SUITE 203
OMAHA, NE 68114
UTAH
2875 Decker Lake Dr., Suite 240
West Valley City, UT 84119
WISCONSIN
622 N. WATER STREET, SUITE 400
MILWAUKEE, WI 53202-4909
WYOMING
1902 Thomes Ave., Suite 204
Cheyenne, Wyoming 82001

Case results Proven Performance

We don’t just pursue debt—we recover it. See how our legal expertise translates into measurable outcomes for clients nationwide.

$1,200,000 Collected

Recovered for Commercial Leasing Firm

Challenge: Over 100 lessees across multiple states defaulted on equipment leases, many with outdated contact info or dissolved entities.

Result: Using skip tracing, UCC lien enforcement, and coordinated litigation, Gurstel recovered over $1.2M within 9 months—resolving more than 80% of the portfolio.

$950,000 Collected

Collected for National Business Lender

Challenge: Filed for judgments and enforced via wage garnishment and bank levies. Recovered $950,000 within 7 months with minimal court delays.

Result: Disputed and disproved bankruptcy status, filed in new jurisdiction, and negotiated a favorable lump-sum settlement paid in under 60 days.

$2,400,000 Collected

Recovered for Enterprise Software Provider

Challenge: 30+ breached B2B license contracts, with clients disputing charges or avoiding contact after termination.

Result: Enforced contract terms via litigation and used credit bureau reporting as leverage—collecting $2.4M in full or structured payments.

$675,000 Collected

Secured for National Wholesale Distributor

Challenge: 70+ open commercial accounts aged over 18 months, previously marked for write-off.

Result: Reactivated the portfolio, validated balances, and pursued batch filings. Collected $675,000 in 5 months while preserving key vendor relationships.

$1,800,000 Collected

Collected for Supply Chain Finance Company

Challenge: Dozens of vendors defaulted on factoring agreements, with both corporate and personal guarantees in place.

Result: Initiated multi-state enforcement actions including property liens and garnishments. $1.8M recovered within 6 months.

Doing right, every step of the way—tailored legal solutions that drive results and give back.

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Blog

Stay informed with legal updates, creditor strategies, and industry best practices from our experienced team.

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What types of debts do you handle?

We collect on a wide range of consumer and commercial claims, including credit card balances, medical bills, unpaid invoices, landlord-tenant arrears, and business-to-business debt. If you’re unsure, just get in touch—chances are we can help.

How long does the collection process typically take?

Every account is different, but most matters resolve within 3–6 months once we initiate legal proceedings. Pre-litigation demand letters often produce payment in 30–45 days; cases requiring court judgments and enforcement (wage garnishment, liens, levies) usually wrap up within half a year.

How do your fees work?

We operate on a contingency basis for most consumer and small-business debts—meaning we only get paid if we recover funds for you. Our fee is a percentage of the amount collected, which aligns our interests. For large-volume commercial matters, we can also discuss hybrid arrangements or flat-fee retainers.

Will reporting a judgment affect the debtor’s credit score?

Yes. Once we secure a court judgment, we can report it to all three major credit bureaus, where it stays on record for up to seven years. This is a powerful tool to motivate payment, since it impacts the debtor’s ability to borrow, lease, or obtain lines of credit.

How do I get started?

Just fill out our secure online intake form or give us a call. We’ll review your account details at no charge, recommend the optimal strategy, and get your matter assigned to a dedicated attorney right away.

Trusted legal partners in collections and creditors' rights — serving clients nationwide with integrity and results.

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877-344-4002
info@gurstel.com
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resolve@gurstel.com
6681 Country Club Drive,
Golden Valley, MN 55427

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Important Disclosures
Gurstel Law Firm P.C.’s California Debt Collection License #10361-99
Gurstel Law Firm P.C. is a law firm with a primary business purpose of debt collection. As such, this communication with our firm is an attempt to collect a debt and any information obtained will be used for that purpose.
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