transforming debt into wealth?

thanks, mods. Keep it clean!

its sad that so many programs are out now that are taking advantage of people that are in trouble and making thier financial situation even worse. Im not sure how these people sleep at night. anyhow i havent tried this particular product so im not sure if its a scam or not but that "too good to be true" bell is ringing in my ear. I have no problems with people profiting a little from thier expertise, but 500.00 off of everyone that signs on? thats alot

I know i already made a post, about THIS thread. It just seem a bit 'scammy' to me. This may have worked with the person who wrote the book/CD, but.......I don't know......I'd be REALLY sceptical of something like this. PLUS.......giving them bank account numbers, etc. Not a good idea.

ok why are we getting "guests" attacks? This is a forum that is trying to help people, why the personal attacks?

I do think that some people on here are trying to squeak by without paying what they legally owe, but not everyone! Don't paint everyone with the same brush please!

Guest, you are welcome to post helpful info, however, attacking me or others, won't be tolerated.

First of all, I have PAID off all my debt, except one. I got into hardship programs and paid the cc companies all that I owed them and got paid in full letters. The one I am dealing with for almost 3 years is a debt that is from 1980s' and I have over paid somewhere in the neighborhood of 13,000 dollars.

No one here, that I know of says, don't pay back what you owe. I charged the debts on my other cards, and paid them back,late, but they were paid off.

This site helps others to become educated in their rights so that they aren't taken advantage of.

Why don't you join guest if you have great info for the others?

again trolls exterminated.

sorry bossy,but i'm not allowing that garbage to stand.probably disgruntled ex-members,but i still don't have to allow it.

Thaks Paul, you are right. I wasn't going to do it because I knew that would fuel the fire. If it had kept on, I would have deleted it. I think I know who it is anyhow! Thanks again..karen

why don't you require people to be members before posting? That would get rid of the majority of the problems?

DO NOT BUY TRANSFORMING DEBT INTO WEALTH SYSTEM. I have purchased many many items from Nightingale conant over the years but this package is just that, a package of useless information. It is very vague and does not give any information that common sense would not dictate. I did not even open mine and reviewed a friends who purchased it. I tried to return mine but the reps are assholes and rude at best, I am in the process of calling the State attorney generals office but waiting to hear from the corporate office first. I feel like returning mine with the same thing that came in it, dogshit !!! DO NOT ORDER THIS SYSTEM. PERIOD!!!!!!!!!!!!!!

i PURCHASED THE TRANS DEBT INTO WEALTH SYSTEM AND FOUND IT TO BE VERY GENERIC, ALBEIT SOME PEOPLE WOULD BENEFIT FROM SOME OF THE INFO CONTAINED, i DID NOT, BUT WHEN I TRIED TO RETURN IT I GOT A LOT OF FLACK. IF THIS HAPPENS TO YOU CALL 1-800-560-6081 ANF TALK TO "SHANLLY" OR WHOMEVER IS IN CHARGE OF THE PROGRAM AT CORPORATE HDQTRS. THEY WERE ACTUALLY PRETTY NICE AND TOOK CARE OF ME AND I WILL REMAIN A NIGHTINGALE-CONANT CUSTOMER BECASUE OF IT, BUT THEY DID ALMOST LOSE ME.

Unlike most of you, a friend of mine let me borrow the audio tapes (I've since converted them to CD) for free over 7 years ago so I don't have the horror stories of returning them or whatever. Nonetheless, the message is real and it has worked for me quite well since then. I've paid off all my credit cards, both cars, my student loan, and now have about 50% equity in my home, thanks to this program. It really does work because it's nothing more than simple math. For those of you who have been scammed, here's how it works...Concentrate on one debt payment at a time (continue paying minimum payments on your other debts) and put an extra 10%-15% of your monthly income on it until it gets paid off. Once it is paid off, focus on a different debt and apply that extra 10%-15% on it as well but also include your normal monthly payment from your paid-off debt. All this does is accelerate debt payment. Simple math, no more, no less. Paying off everything in less than 7 years is a stretch though, but on paper, it is doable.

thank you for the inside advise so that people dont have to purchase it. but from what you are saying that is pretty common sense. pretty much what you can learn from here. focus on 1 when paid off apply that old payment with the next and so forth.

Yeah, it is common sense, for the most part. However, some of the tips included ways to "maximize" monthly cash flow, which most people may be immune to. For instance, increasing your insurance deductiles which lowers your premiums. Sure, there is inherent risk but if your history shows you never make any claims, why not take the risk? Another good one talked about renting movies when you have 100 channels on your satellite dish. It's not being overly "penny pinching", it's more of an awareness than anything. Hope this helps everyone just a little.

Because he can. My philosophy is being Christian is never having to tell anyone that you are. It shows in your actions. Results, this dude is not a Christian or he is a fallen one.