Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
This letter is in response to your recent communication regarding an alleged debt, and to formally address several serious concerns about your conduct and legal procedures that have occurred in this matter. 

First and foremost, I am deeply disturbed to learn that your office attempted to serve legal documents to a minor child, which constitutes a clear violation of XXXX  XXXX of XXXX XXXX. Service of process must be directed to a competent adult ; serving a minor not only invalidates service but XXXX also constitute a violation of ethical and legal standards. I reserve all rights to pursue remedies for this improper and potentially harmful conduct. 

Secondly, your actions appear to be in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and Arizona Fair Debt Collection statutes. These laws prohibit deceptive, abusive, or unfair practices, including misrepresentation and attempts to coerce individuals who are not legally responsible for the debt. As I am not the named debtor, and merely the spouse of the alleged debtor, I am under no legal obligation to disclose my Social Security number or any personal financial information. Arizona law does not require a spouse to provide such information, particularly when they are not a party to the alleged debt or legal proceeding. 

I am formally requesting that you cease all communication with me, except as required by law, and that you immediately correct any unlawful or improper service of process. Additionally, please provide written confirmation that no further attempts will be made to contact or involve any minors in this matter. If your office continues to engage in harassing or illegal conduct, I will not hesitate to file a formal complaint with the XXXX XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ), and pursue additional legal remedies as appropriate. 

Additionally, I note that the documents or billing statements your office has supplied do not constitute legal proof that the alleged debt is valid or that I have any obligation to pay it. Courts have repeatedly held that billing statements alone are insufficient to establish liability or ownership of debt. If you claim to have legal authority to collect this debt from me, you are required to provide a full validation of the debt, including documentation showing that I am personally liable, which you have not done. 

Furthermore, regarding the alleged debt related to a plane ticket purchase, I have contacted the airline directly and confirmed that no oneneither XXXX XXXX ( my ex-spouse ) nor any other individualused or showed up to use the ticket in question. Therefore, there is no basis to assert that I, or anyone else, received any benefit or service from this transaction, and any claim of debt related to it is entirely without merit. I have repeatedly stated this fact, both to your office and in prior proceedings, yet it continues to be ignored. It is increasingly clear that my concerns and evidence are being disregarded, and I am left with the impression that your office and the presiding judge have not acted impartially, raising serious concerns of collusion or improper bias. This has contributed to a lack of confidence in the fairness of the process and XXXX warrant further legal scrutiny. 

Additionally, I must bring to your attention a serious incident that occurred during the court proceedings. When I attempted to assert my legal right to compel arbitration, the assigned attorney falsely claimed to the judge that she had no knowledge of such a requestdespite the fact that it was clearly documented and raised in advance. I urge you to review the court record, which will confirm this misrepresentation. This deliberate act misled the court and obstructed my ability to exercise a valid legal defense. I am currently working with XXXX XXXX XXXX regarding bankruptcy proceedings, and I have also begun communications with several government oversight agencies, including those concerned with judicial conduct and consumer protection, to formally report how this matter has been mishandled from the beginning. 

Please govern yourself accordingly.

Company response to consumer: Closed with explanation