For as often as I represented people sued by Gurstel Chargo or sued Gurstel Chargo for FDCPA violations, I’m shocked at how little I wrote about one of Minnesota’s busiest debt collection law firms. I actually know the marketer (a lovely person, actually) who came up with Gurstel’s current marketing campaign, and I chuckled when I saw it for the first time. Accountability Matters as a debt collector slogan is the height of hubris. I’m just grateful I’m here to see Gurstel take its own medicine.
Fuck you! Pay us your money! You can’t afford an attorney. You owe us. I hope your wife divorces your ass. If you would have served our country better you would not be a disabled veteran living off social security while the rest of us honest Americans work our ass off. Too bad; you should have died.
The debt collection industry is booming. Unifund, one of the big U.S. debt buyers, files nearly 5,500 lawsuits a year in California. In Minnesota, where pocket filing makes the cost of obtaining a default judgment negligible, I would expect to see similar, if not greater, per capita figures. And, of course, it is not just Unifund filing lawsuits.
Because of pocket filing, coupled with Minnesota’s permissive pre-judgment garnishment rules, most of these lawsuits are never filed. Law firms like Messerli & Kramer; Gurstel, Staloch & Chargo; Wolpoff & Abramson; and others serve dozens, if not hundreds, of lawsuits every month for Unifund and other clients, counting on default judgments.