Consumer complaint received 2025-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Gurstel Law Firm, P.C.
State: IA

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle. Around XXXX of XXXX I had lost my job. As a result I was unable to make payments. I contacted the original loan form XXXX  and explained the situation. By that time I had been receiving letters stating they were going to reposess the vehicle. I had offered to make partial payments until I received a lump sum of money from my employer. They refused stating they needed the whole payment or they would take the car. I asked the lady if I could send them money anyway as they wouldn't get anything from me if I couldn't get to work ( I had gotten another job by then ). The lady then stated that they could not accept any payment unless it was the full amount. 
The vehicle was taken and I did receive a notice once it was sold, leaving me a balance. I called them again asking to make partial payments for which they then demanded I pay the full amount of approximately {$9000.00}. Obviously that didn't happen as I couldn't get caught up in the first place and they refused to work with me. After the initial notice, I never received any additional mail after that. Fast forward to XX/XX/XXXX or a few days after, I receive a call while at work stating they had received a garnishment request from a Gurstel. I Then began filing motions to quash, dismiss, ect. I have gone to XXXX  court appearances requesting the garnishment to be dropped based on the statute of limitations. The judge stated they had my signature on a piece of paper admitting I owed them money. The addresses they have on all of these documents are wrong and the dates they are claiming I've signed paperwork are not aligned with dates I have lived at. I requested a copy of that document and it has not appeared anywhere. On XX/XX/XXXX they filed a Praecipe against my bank account and put it in the negative for the total amount. I have agreed to make payments to them, however, I have not been able to keep up with them as I've told the judge many times that I only made {$14.00} an hour and barely getting by. They have now filed another levy against my bank account for the amount owed. I am not longer employed and will never be able to pay them. 
On XX/XX/XXXX they filed an affidavit stating that I resided and was employed at a commercial address, a XXXX XXXX XXXX to be exact. This harassment needs to stop. I feel Gurstel is abusing their so called Firm and presenting false information against people in order to manipulate and steal from other people. They do not file correct information about their so called cases and use sketchy practices to obtain such false information. They are way past the statute of limitations, they know it, but continue to pursue this matter. They need to be shut down. 
I am attaching several files regarding this, but there are over 30 documents. Please reach out if more proof is needed. The address to the gas station is on the paperwork and can easily be found on XXXX. Also, they have used several different counties to file this. I do not reside in either of the counties.

Company response to consumer: Closed with explanation