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Confession of Judgment MCA (COJ): Risks & Defenses

If you’ve taken out a merchant cash advance (MCA) or are considering one, you may have come across a term that sounds harmless but carries serious consequences: the confession of judgment, or COJ. This clause can allow a lender to win a court judgment against you without notice — and without you ever stepping foot in a courtroom. This guide

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Florida Debt Relief: What Actually Works and What Doesn’t

If you’re reading this, chances are you’re feeling overwhelmed. Maybe the credit card bills are piling up. Maybe you’ve fallen behind on loan payments. Maybe you’re just tired of juggling minimums and watching your balance barely budge. You’re not alone, and you’re not out of options either. Let’s walk through the debt relief programs available in Florida. We’ll break down

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IRS Currently Not Collectible Status: How It Really Works

If you’re struggling to pay your tax debt and facing aggressive collection actions from the IRS, you may qualify for a temporary relief program known as “Currently Not Collectible” (CNC) status. This guide breaks down what CNC status means, who qualifies, how to apply, and why CuraDebt can help you navigate the process. What Is “Currently Not Collectible” (CNC) Status?

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Live Training: What the Bible Really Teaches About Debt, Stewardship, and Hope

Live Training: What the Bible Really Teaches About Debt, Stewardship, and Hope Register Free Be notified to attend live and also with a link to the replay. 100% free. About Your Teacher: Pastor Elliott Siu Pastor, disciple-maker, and Christian counselor (12+ years). Elliott creates a Gospel-centered, shame-free space to process honestly, hear from God, and take wise, practical steps. Frequently

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Debt Validation Company Claims — Truth or Myth?

Debt Validation Company Claims — Truth or Myth? Debt validation” is a real right against debt collectors, but it is not a magic wand that deletes accurate, verified debts or guarantees “50% off every creditor (including fees).” Regulators say companies cannot remove true, current negatives from your credit reports, and they cannot lawfully guarantee uniform savings. Many people end up

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Debt Validation Letters: How to Challenge Debt Claims

Being contacted by debt collectors is stressful enough when you know for sure that the debt is legitimate. When you’re unsure whether you actually owe the money or how much, the situation is far more complicated. Enough Americans know this scenario because they have faced it multiple times. Perhaps a creditor sold your debt to a collection agency you don’t

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