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Zoca Loans Debt Settlement Letter From March 2019

Debt can feel like a never-ending cycle, but real success stories show that relief is possible. This Zoca Loans debt settlement letter from March 2019 is proof that debt settlement can lead to significant savings. By working with experienced negotiators, this client reduced their balance by 60%, paying only $1,750 on a total balance of $4,338.47.

If you’re dealing with high-interest loans or overwhelming debt, understanding how debt settlement works can help you decide if it’s the right path for you.

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How Debt Settlement Works
Debt settlement is a process where a company negotiates with your creditors to reduce the total amount you owe. Instead of paying the full balance, you settle for a lower agreed-upon amount—often much less than what was originally owed.
Here’s how it typically works:
  1. Evaluate Your Situation
    Every debt relief journey starts with assessing your total debt, interest rates, and financial situation. The goal is to determine whether debt settlement is a good fit for your needs.
  2. Stop Making Payments to the Creditor
    In most cases, creditors are unwilling to negotiate unless they see that you are struggling to make payments. Stopping payments may allow you to build up savings for a settlement, but it can also temporarily affect your credit score.
  3. Negotiate a Settlement
    A professional debt settlement company reaches out to your creditor to negotiate a lower balance. Companies like CuraDebt have years of experience handling these negotiations, ensuring you pay as little as possible.
  4. Make Your Final Payment
    Once an agreement is reached, you’ll make a one-time lump sum payment (or structured payments, depending on the agreement), and the remaining balance is forgiven.
Is Debt Settlement Right For You?
Debt settlement isn’t for everyone, but it can be a powerful tool if:

✅ You have high-interest debt that keeps growing despite making payments.
✅ You’re struggling to make monthly payments and need a more manageable solution.
✅ You’re considering bankruptcy but want an alternative.
✅ You have unsecured debt (like payday loans, credit cards, medical bills) that could qualify for negotiation.

If you’re feeling stuck, the best way to know if debt settlement is the right option for you is to talk to an expert.

Debt can feel like a heavy burden, but you don’t have to face it alone. The Zoca Loans settlement letter is just one example of how debt settlement can provide real relief. This client saved 60%, keeping over $2,500 instead of paying it toward high-interest debt.
Everyone’s situation is different, and finding the right solution can make all the difference. With over 24 years of experience, we’ve helped thousands of people settle debts for less and regain control of their finances.

If you’re looking for a way forward, schedule a free consultation today. No pressure, just honest guidance to help you explore your best options.

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Debts We Can Help With:

Debts We Can't Help With:

  • Lawsuits*
  • Utility Bills
  • Auto, Federal Student Loans
  • Mortgage Or Home Loans
  • Other Secured Debts

*We can help with lawsuits and student loans in special cases. Call us to get more information.

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Debt settlement services are not for everyone. Our projections are derived from historical results and will vary based on the specific creditors you are enrolled with and the terms of your individual program. Successful program completion is contingent on various factors, including your ability to accumulate sufficient funds. We cannot assure you that your debts will be settled for a predetermined amount or percentage, nor can we guarantee a specific timeframe for resolution. We do not assume your debts, make monthly creditor payments, or offer advice on tax, bankruptcy, accounting, legal matters, or credit repair services. Availability of our services will vary by state, and our fees are subject to state-specific variations. It is advisable to consult with a tax professional regarding potential tax implications of debt resolution for less than the full balance. Prior to enrollment, thoroughly review and comprehend all program materials. On electronic, telephonic, or written request the company will make available to the consumer a paper copy or copies of agreement. The managing member of CuraDebt Systems, LLC is Eric Pemper; any concerns or inquiries please email management@curadebt.com.

Establishment of a debt settlement plan may adversely affect your credit rating or credit scores. Nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation. Nevertheless, negotiated settlements obtained on your behalf encompass the entire account, including all fees and interest. Familiarize yourself with all program terms before enrolling. Mississippi Licensed Debt Management Service Provider. Licensed in various other states. Please be aware that all interactions with our company, including calls, may be recorded or monitored for quality assurance and training purposes. In CT, DE, GA, HI, ID, KY, LA, ME, MT, NV, NH, NJ, ND, OH, PR, RI, SC, VT, WI and WY, CuraDebt does not provide debt settlement/adjustment services and instead may forward the consumer to a law firm that may be able to assist in providing similar services as part of their practice. CuraDebt Systems, LLC upholds a non-discriminatory policy based on race, color, religion, sex, marital status, national origin, or ancestry. Our headquarters are located at 4000 Hollywood Blvd. Suite 555-S Hollywood, FL 33021.

C.P.D. Reg. No. – 2024-0673215. CuraDebt Systems, LLC is licensed by the Virginia State Corporation Commission as a debt settlement provider with the License No. DSP-13.

© 2000 – 2025 CuraDebt Systems, LLC. All Rights Reserved.

Debt settlement services are not for everyone. Our projections are derived from historical results and will vary based on the specific creditors you are enrolled with and the terms of your individual program. Successful program completion is contingent on various factors, including your ability to accumulate sufficient funds. We cannot assure you that your debts will be settled for a predetermined amount or percentage, nor can we guarantee a specific timeframe for resolution. We do not assume your debts, make monthly creditor payments, or offer advice on tax, bankruptcy, accounting, legal matters, or credit repair services. Availability of our services will vary by state, and our fees are subject to state-specific variations. It is advisable to consult with a tax professional regarding potential tax implications of debt resolution for less than the full balance. Prior to enrollment, thoroughly review and comprehend all program materials. On electronic, telephonic, or written request the company will make available to the consumer a paper copy or copies of agreement. The managing member of CuraDebt Systems, LLC is Eric Pemper; any concerns or inquiries please email management@curadebt.com.

Engaging in debt settlement services may have adverse effects on your creditworthiness/credit rating, potentially leading to collections, legal actions by creditors or collectors, and an increase in outstanding balances due to accrued fees and interest. Nevertheless, negotiated settlements obtained on your behalf encompass the entire account, including all fees and interest. Familiarize yourself with all program terms before enrolling. Mississippi Licensed Debt Management Service Provider. Licensed in various other states. Please be aware that all interactions with our company, including calls, may be recorded or monitored for quality assurance and training purposes. CuraDebt Systems, LLC upholds a non-discriminatory policy based on race, color, religion, sex, marital status, national origin, or ancestry. Our headquarters are located at 4000 Hollywood Blvd. Suite 555-S Hollywood, FL 33021.

C.P.D. Reg. No. – 2024-0673215. CuraDebt Systems, LLC is licensed by the Virginia State Corporation Commission as a debt settlement provider with the License No. DSP-13.

© 2000 – 2025 CuraDebt Systems, LLC. All Rights Reserved.