Well I guess the best thing to know if you’ve be hexed/cursed or not is to do your own divination to start. I’m not sure what tools you have available but that would be one of the first things I would do. Also check out E.A.'s newsletter on being cursed:
This will kind of set up a rough criteria to know what to look for. If you don’t know or have any tools to do divination with, then you may want to find someone who can do some divination work for you. I know some people on the BALG forum offer their services for free so you may want to check them out and see if they can assist you in that area.
Once you get started on some of those suggestions above, then re-evaluate and see if you still think that you're cursed. If so, then start looking into some protection wards for your home and yourself. If not, I'd still look into protection wards and banishing/cleansing rituals for yourself and residence.
As far as the whole God, Kabbalah,Talmud thing......ya.....can't help you on that one. Thats not really my area.....I'm on the other spectrum of that. lol