John Cummuta
Transforming Debt into Wealth
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Customer feedback
Dear John:
We purchased your Transforming Debt Into Wealth system in mid 2002. At that time we had one car payment and our $250,000 home mortgage.
Our goal was to get TRULY debt free within 4-5 years. So, first, we paid off the car. And by making lots of extra principal payments, we paid off our mortgage in just more than 3-1/2 years!
As of February 2006, we are a DEBT-FREE family! As a reward for our diligent efforts, we flew to the Bahamas and stayed at the world-famous Atlantis Resort for a week. We even had special shirts made for the trip!
Thanks, John for helping us really OWN our home and learning to transform our debt into wealth!
Sincerely,
Jerry, Shelly, John and Ben Wright
"A debt-free family"
At the time I found your program, I was actively contemplating bankruptcy. Now, two years later, I've paid off four credit cards, the car, 1 personal loan, and am working on the last credit card and loan. In another six months there should be nothing left but the mortgage!
Thank you, thank you, thank you!"
Sue Staley
Millboro, VA
I just wanted to let you know my wife and I are now taking the next step in our wealth-building plan...moving to a wonderful barrier island off the coast of Alabama in the Gulf of Mexico. Life on our island is wonderful ─ and very inexpensive. We are completely debt free, will remain so during our upcoming move, and plan to remain debt free and wealthy the remainder of our lives (we are in our early sixties now).
"We thank God for you! And we thank you for all you taught us about freedom from debt and building wealth."
Bill and Anne Boylan
I bought your CD "Turn your Debt into Wealth" while traveling this past December and spent the next several hours in total awe (I had not heard of your program - the CD cover sold me.) I have listened to your program at least 5 times ─ insisted my husband listen with me, and bought a copy for each of our adult children as Christmas presents.
It's only been two months since working the plan, but already we have paid off two cars (and are working on the third and final one). I can't wait until all our debt is gone, including the mortgage (by my calculations, we should be debt free in 54 months).
For so many years, we were on a roller coaster, paying down and charging up - (and taught our children well) - this time it will be different! I look forward to the many years of debt free living (and my children in the same situation!) I now take a hard look at where our money goes and what is important in my life...I am truly amazed that a program so simple can work so effectively.
Your program has given me HOPE. Thank you!
Martha Shea
"I have read and reread your book on the [Transforming Debt into Wealth] system. We have paid off all our bills, including the mortgage that we had 11 years left to pay on it."
Theresa Kivatinos
"...if I've figured right with your strategy, I should
be out of debt in three to three and a half years,
instead of thirteen, at which time I'd be 64."
Tim Newman
"Thank you for saving my life! I've already retired $4,000 (in bills) in 5 months. Bless your heart!"
Dolly Fairchild
"I am happy to report that I did continue the principles, and finally was debt free a year ago. This has certainly been of help recently as I was laid off last month, so not having a mortgage and loans to pay has eased the stress. Thanks for a great course!"
Regards"
Paul Joyce
Keller, TX
Dear Mr. Cummuta,
First I would like to let you know how much I have enjoyed and benefited from your Transforming Debt into Wealth audio course. I have used your information and I am now at the point where I will be accelerating the paying off my mortgage. Even though I live in Canada and our taxes and mortgage rules are a little difference the essence of your course very much applies.
Vincent C.
"I had to share our excitement with you, yesterday Dean and I paid our car off!!! That was a great day and such a wonderful feeling to drive my car and know that the bank doesn't own it anymore. 'WE DO' YA-HOO. Thanks for your great program."
Dean & Bonnie Seymour
"Enclosed is an example of how your program helped save
me $1,308 per year on my auto insurance.
"This is insurance on the same cars through the same agent."
Steve Gaudur
"I belong to the Charles Givens Organization. HOWEVER, your method is by far the simplest to use and makes the most sense."
Loyal J. Gifford, Jr.
"It's said that when you're ready to learn, the right teacher comes along. We consider Mr. Cummuta to be one of the most important educators of our lives."
James Morris
"April, 2003 I started your program and 1 year later am $39,000 in less debt, our new freedom date is Oct, 2007, I can't express enough how much our family appreciates this program.
I read a lot of financial books, magazines and other literature, and yours is the only one that has ever helped! I would love to talk to you, no one seems to have this same philosophy and you are truly amazing!
I just ordered your newsletter I'm starved for more new advice!!!!
With sincere gratitude."
Ellen
I am a recent John Cummuta convert, and my husband and I are already starting the plan. We will be debt-free in June or July of 2007. Unbelievable! You have both of us so excited that we are having FUN paying off our debts instead of feeling denied. It is a genuine pleasure. You have really opened our eyes. Thank you, thank you, thank you!
Karen May and John May
"I never imagined that a $10,000 debt could be paid off
in 2 years."
Linda F. Williams
"The [Transforming Debt into Wealth] course has become my financial bible."
Martin Kroah
"I would recommend this product and service to anyone who is sincerely interested in moving forward financially."
Christopher A. Clarke
"When I started the TDIW program, I was well over $40,000 in debt. I will be debt-free in about three years. I can now see my daughter going to college without wondering if I will be able to afford it.
"I am learning now to invest and budget my money so that it will work for me. This program has changed my life.
"If I didn't start this program, I would be living the rest of my life working to keep creditors in business. Now I'm on my way to determining when I will work and for how long. I'm just a few short years from spending my days traveling and playing golf."
Cornell M.
Bridgeport, CT
"I definitely saw a SIGNIFICANT change in my FICO score.
I had a score of 705 in August of 2005, which is an
average score, and last month, my FICO score was 751!!!
It is estimated that my score will be 805 once I wipe
away all of my debt! Isn't that great?! Take care!"
Duy Nguyen
"This program is so simple it's unbelievable!
We've
already paid off the first bill (after just five days),
and will have $77,000 in bills paid off in less than
four years.... I only wish we had known about your
program years ago. Keep up the good work."
Bonnie Bowles
"Since December, after working out our debt payoff program, we have already eliminated 2 obligations, and will pay off all our short term credit obligations in just 17 months. The mortgage will take a little longer, but it too will be gone in just over 5 years from now!"
Matt and Ann Beebe
"My husband and I have your CDs and absolutely love them. We are well on our way to eliminating our debt and building wealth.
Sincerely,"
Vanessa Riutta
"We recently paid off all our credit cards and paid off the car last week, almost two years ahead of schedule! We will be totally debt-free in less than one year!
Your course is priceless. Thank you from the bottom of our hearts."
Dan Aldrich
Cartersville, GA
"You have written the book and produced the tapes that could turn this whole country around."
Gerry White
"Thanks for your guidance. You have been an answer to
prayer for a retired minister and his wife."
Walter B. Townley
I don't know why my other plans failed, but your ideas and plan worked, better than I had ever hoped. This month I paid off my last bill that comes with a monthly payment, with the exception of my house. Thank you."
Donald Hopstad
"I am expecting to have around $17,700 of debt totally, completely and permanently paid off in 31 months. I should then be able to start investing $640 per month. I have already paid off one credit card and expect to have two more debts paid off by the end of the year."
Alan Pepper
Two weeks ago, I purchased ‘TURN YOUR DEBT INTO WEALTH’ and the WEALTH of information was astounding! According to your plan, we should be out from under $164,000 of debt in about 4 years just with my husband’s income!
WE’RE EXCITED! We have listened to this program 3 times now, learning something new every time, and will purchase the software to keep us on track! When I prayed for God to help us get out of debt, Nightingale came in the mail, and now John Cummuta is a part of our lives. Thank you John.
Sincerely,
Rick & Marcie Palmer
"Recently I bought your system. I have only one thing to say: May God Bless you all many, many times!! You have opened my eyes! Finally I have arrived at the answer I was looking for.
Augusto Alvarez
"You saved my life, because for quite a number of years
I had been searching for a way to get out of debt."
Chico Villagran
"This is the first time that I've ordered anything through mail order that was well worth reading."
Eddie Pons
"You saved me!!! The interesting thing is that as a member of the "Givens" Organization for two (2) years, I had no idea how I was going to make financial freedom a reality. At 46, I finally have hope and a bona fide plan of action!!"
Carl R. Marr, Jr.
"I spent this weekend going through the entire manual and listening to all the CD's and watched the seminar DVD.
My wife and I put together our spending plan and found
that we'll be out of debt in 8 years, and well on our
way to becoming millionaires. We'll have plenty of money
to retire on, and more importantly, to help needy
families."
Andrew Knechel
"I want to thank you for supplying me with this program. I have paid off all bills. I am now starting to pay off my mortgage. It should take three and a half years."
Mark Anderson
"Your simple method is the answer to my prayers; both by solving my personal debt situation and giving us the vehicle to help our friends and loved ones."
Thomas A. Mayer
"Last Christmas I received your new [program] as a gift.
This is the most valuable gift I have ever received, and
I feel indebted to you for your kindness to share the
financial wisdom contained in this course."
Robert Westra
"Following your plan, and continuing to work tirelessly, we have paid down a $75,000 mortgage to about $25,000 (this will be paid in full by early summer of this year) and purchased a new Lincoln Town Car (for cash of course). Thanks from the bottom of my heart for a program that really worked for me.
Susan Riggen
"A few weeks ago when I was going through my 'junk mail', I laughed out loud when I got to yours. I even started reading it out loud to my wife and we were both really cracking up!! By the time I got to the end I wasn't laughing any more. I guess I even got a little mad!
"We are currently earning approximately $250,000 a year and have the $250,000 house and new cars and toys to go with it and I should be happy Right? Yet, Deep down inside I know the truth. Needless to say when I listened to your story I felt like I had found the answer to my prayers!"
Steve Campbell
Hi John,
I am dropping you a line to thank you for sharing your secret of debt transformation with me (and 900 others) at Wealth Mastery™ London.
As soon as you said about the lost business, the leased cars, the mortgaged home I realised that you where my man!!
I would like to say that of all the presentations that I saw over the weekend, yours was probably the best researched, and I think you hit the nail on the head when you said that if you are invited into our house you will speak our language, you sure did speak my language.
In the words of Tony Robbins.....you were OUTSTANDING!!
Best regards and many thanks
Andy Carr
"We have looked at several methods and avenues because we have been Money Management Counselors within our church structure. Your program is the most specific, concise and clear instructional tool we have seen to date."
Tim and Ginny Monk
"I have been using the strategy in your book and have already paid off three major debts in the last eight months. I can't wait until I am debt free.
Thomas Kamenicky
True Stories...
Here are three true stories. Stories that could be yours, if you make the decision today to follow the Transforming Debt into Wealth® path to complete financial freedom.