Testimonials

Audio Testimonial 1
  

Audio Testimonial 2
  

Audio Testimonial 3
  

" It' s so wonderful to know that Christmas is paid for before Christmas gets here."

"Dear John,

I want to thank you for the principles you taught my wife and me. Our children followed them and are doing well financially -- as are we.

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.

We are completely debt-free, will remain so during our move, and plan to remain debt-free the remainder of our lives (we are in our early sixties now).

We thank you for all you taught us about freedom from debt and building wealth."

" When I was first introduced to John' s principles, it' s like God knocked me across the forehead with a two by four and He said, " I want to show you how money really works because this is contrary to traditional wisdom."

" Your program is fantastic! I can't tell you how excited I am about paying off our home. More importantly, I'm excited to see what my children will do with these financial principal when they are adults. Praise God and thanks again!"

" After only eight months all my credit cards were paid off. After ten more months, my car was paid off. I' m presently hammering on my home mortgage and my plan shows it will be paid off in three years and four months."

" Using the methods described in the [Transforming Debt Into Wealth] system enabled us to pay off all our debts on June 30 th. The same day I was officially 'downsized' . We once thought we would have to pay off our school loans with our Social Security check. Thanks to Transforming Debt Into Wealth, today I am a 'free man' totally without debt except for normal monthly expenses."

" I can be debt free in less than a year with this program. It was a wild, mind blowing eye-opener for me!"

"My wife and I put the [Transforming Debt into Wealth] system into action last November. We recently paid off all our credit cards and paid off the car last week, almost two years ahead of schedule! Our next loan of $5,000 is estimated to be paid off in about four months and our mortgage by March. We will be totally debt-free in less than one year!

Your course is priceless. Thank you from the bottom of our hearts."

" I' m very excited about telling people about John' s system because what it has done for me and what I know it can do for them. I yell it off the rooftops. John Cummuta' s Transforming Debt Into Wealth System allowed me to pay off a mortgage that was about a hundred thousand dollars, a car note that had about ten thousand left on it, and we paid that off in two years. That' s incredibly fast. And we saved about ninety thousand dollars in interest by doing it that way. Anybody can implement John Cummuta's Transforming Debt Into Wealth System. Doesn't matter what their debt load is, how much money they make, that' s the beauty of it. The math that got them into trouble is going to get them out of trouble. It's so easy, you' ll wonder why you never thought about it before."

" 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!"

"Dear John,

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."

" I was able to eliminate over a hundred thousand dollars in debt in six and a half years using the Transforming Debt Into Wealth System. " My wife, she really loves the change because she remembers when we first started off. We were talking about getting second jobs and to help eliminate some of these credit cards that we had amassed over our single years. Now she can see the light at the end of the tunnel where we' ll be able to actually turn our earnings into all investment type opportunities."

Hi John,

"Followed your system & paid off nearly $200,000 of debt in 4 1/2 years. I'm now 100% debt free! Thank you so much for your incredible program John."

Mr. Cummuta:

My husband and I thought our home would be paid for in 2019 and car payments would never go away.  With your process, we will be 100% debt free in 5 years and will have saved over $45,000.00.  Following your plan will grow our wealth at an alarming rate!  We crunch the numbers and crunch the numbers, and you are right, the numbers don' t lie!  We can' t believe it, and already we feel so much more secure about our future.

"Dear John,

I just wanted to say thank you and tell you how grateful I am for the information you have provided my husband and me through your debt elimination program. Thank you! Thank you! Thank you!!!

The benefits you have provided us have been more than financial. The principles you teach have shown the way for us to take responsibility for our all areas of our lives. Here is our story...

Two years ago David and I got married. David sold his house and business worth a combined 150K and we nestled into our 3-bedroom home, started a new Life Coaching business and began our lives together. We thought we were smart financially, but then promptly began buying, spending and vacationing and before we knew it, the money was running out. Finally we were forced to take a long look at our money situation. Oh my!

In a year and a half, we had spent over 100K.We owed 35K in credit card and school loans debt, 14K in vehicle loans and 95K in mortgage debt - totaling 144K in debt. Suddenly, we could not pay our minimum payments and we were scared! During that year our combined income had been about 2K a month, but we spent 8K a month! Then the blame game began and our marriage started falling apart.

We decided that it would be best for me to go back to work in my previous profession as a software instructor and (praise the Lord) I found a good paying position right away.

It was at my new job that a fellow co-worker introduced me to your debt elimination program. I had been praying for a solution. I thought God's answer would come by a generous check or miraculously from a long-lost rich uncle. But instead it came as an education. God sent me to you.

One year ago, we listened to your CD series and decided to create an accelerator margin of $200. I thought it was impossible. But, to my amazement, we did it! I started to consciously look for extra dollars and monitor my spending. Lunch with the girls became less common. My friends complained, but I persisted.

David was amazing. He monitored every penny. Within two months, our "accmar" (household buzzword for " accelerator margin") grew to $500, then quickly to $1000. It started getting fun! Then Christmas came and we were vigilant. My family was shocked and surprised, but we persisted.

It is now one year later and I am happy to announce that our accmar is $3000! David's Life Coaching practice is thriving and I help him teach workshops on the weekends. We have paid off over 25K in debt in just one year. We are on schedule to eliminate all our debt including our home in 3 years. David and I have bonded through all of this and I believe it is due to practicing your program together and working toward our common goal of financial freedom.

Thank you so much, John. You have changed our lives.

In gratitude and Christ's love,

Dear John,

"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"

"According to your plan, we should be out from under $164,000 of debt in about 4 years just with my husband′s income!  Every day we &priime;find′ more income to add to the priority margin chipping away at that 4 year figure, and 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 to God to help us get out of debt, Nightingale Conant came in the mail and now John Cummuta is part of our lives.

Thank you, John"

" Three years ago I purchased your course and followed the plan exactly. In June of this year we became completely debt-free (including the mortgage on our house). Today, both my husband and I are retired and were able to do so at the age of 55 thanks to your wonderful system. Now we' re following your plan to build wealth, and it' s working exactly as you said."

" I paid off my mortgage in six and a half years. It was a thirty year mortgage and I saved over eighty-one thousand dollars in interest on that mortgage. I was the biggest skeptic out there, and it worked for me. So if it can work for me, if I could do it, anybody can do it. My youngest son, I got a phone call that he got hurt on the play ground and, this is a true story, I said I would be right there. I was there within three minutes, and I remember driving there saying, " thank you, God, and thank you, John Cummuta for this system." Because of the fact that I am debt free and I live that lifestyle and I teach other people, I was able to be there when my son needed me."

"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!"

"At the time I found your program, I was actively contemplating bankruptcy. Now, two years later, Ive 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!

"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."

"We have paid off all our bills, including the home mortgage that we had 11 years left to pay on."

"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.

" 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."

"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."

" I' m making my family wealthy now, not the credit card companies and banks. I guard my money against the creditors, credit card companies and making unnecessary purchases, paying interest rates that only put us further in debt and create bondage. It' s really nice to have that freedom." " It' s so nice to be able to say, " Hey, in a year, I' ll be debt free."

Thanks John,

God bless you and your family.

I'm looking forward to contacting you in 24 months when close to 40,000 dollars in debt is gone. Amen!

" In two and a half years, I was able to pay off 2 credit cards, 2 car payments and 50% of a student loan for my daughter' s education."

" John' s system changed my life, and changed the life of my entire family. I have more things than I' ve ever had before in my life, and they' re all paid. And I have more peace of mind and I have less stress with regard to the matter of debt than I' ve ever had in my adult life. For the first time in my adult life, I am free from that debt bondage. The interest savings, as impressive as it is, does not begin to compare with the peace of mind and the satisfaction that I know today because I' m debt free."