transforming debt into wealth?

My spouse came across this program in an e-mail that was received Has it worked for any one?
John M. Cummata claims that this could be done in approximately 6-7 years without borrowing any additional money.
We are investigating this and debt settlement.
Help.

If it sounds too good to be true then it probably is. Scams abound on the internet....dont waste your time.

I looked into this guy's programs too, because they DO sound too good to be true. While I don't think the material is an outright scam, the general consensus seems to be that the information is so general and vague, with no details or exact instructions, that it doesn't really help you anyway. And most of what he tells you is either common sense or info that is available on other sites for free. At the time I was checking it out, a lot of his programs are available on Ebay for a lot less that he is asking himself (from people who must've bought it, and realized it didn't help much). If you are still curious, you could bid on it at a cut-rate price so you're not out so much money. There are even some people that offer the programs as electronic downloads so there's no shipping cost. If I were going to buy one of his programs, I'd do that instead of wasting the full amount on them, and NOT BUY THEM FROM CUMMUTA'S COMPANY, because that's where the scam comes in: his company is notorious for continuing to charge a "service fee" every month, just for owning the program so they are available for consultations, etc. (at least with the real estate program), yet there seems to be problems with clients even able to get through to anyone. They just keep charging your credit card month after month, for basically nothing.

Thank you for the write up, it's nice to have at least SOME info on these things!

SCAM SCAM SCAM SCAM SCAM!!!
DO NOT order their FREE cd that you hear about on the radio. They'll send you a whole box of the Transforming Debt into Wealth system. Then you only have 30 days to return or else they will charge you $500. I did not even open the product because I have not had time. I made an attempt to return the product after the "trial" period and they refuse to take it back. Their customer service associates are rude and not at all helpful. Now I'm stuck paying for a product that I do not want. I feel they should accept my return simply because I have not even opened the product. I say they are a scam and are not to be trusted.
SCAM SCAM SCAM SCAM SCAM!!!

Information he provides is actually good material. Based on the debt to prosperity principle. I've only purchased his book however.

I made the mistake of ordering to cd set over the phone. When I got home I researched and after finding all the negative feedback, I tried to cancel my order. The sales rep said it had already been shipped. As soon as I got the package, I went online and obtained a refund authorization number, went to the post office and shipped the package back, well within the 30 days. This morning the withdrew $120 from my account. I called and explained what happened, the sales rep hung up on me. I called back and got the reps name and extension, and when I explained to her what happened, she said my account didn't show I ever received a RAN. So I gave her the number, she hung up on me. I called a third time, asked for a supervisor. I was hung up on again. I e-mailed john@johncummuta.com still no response. I was looking on his site to get contact info, and he has 2 pages about his Christian beliefs and how he is such a great and caring Christian. Now, being a Christian myself, I wonder how he's going to explain his business ethics to God on Judgment Day

How can a man, who runs these kind of scams, call himself a Christian? I get 'ads', VIA the Internet, on his "wonderful programs", as well. I just delete them. I'm sorry that people have lost their money to this person.

Like it was previoulsy mentioned, alot of info on getting out of debt ison the web, including here! As for the wealth part,there are no get rich fixes out there, or we would all be wealthy.

Most people can get out of debt in the 6-7 years you mentioned. This site is full of others who have gotten out of debt. The money you spent on your debt can then be put into a savings, cd, etc.

It took me alot of years to get into debt, and it took a while to get out-only one 3rd party CA left, but it can be done.

Good Luck to you..karen

I have also looked into debt programs and I found a FREE ebook that outlines a plan to pay off debt. It is at takecontrolbedebtfree-dot-com. You may want to check it out.

I agree with bossy but dont pay for debt consoldation advice here either members posting for pennies or debt collectors or newbies whp dont know if they stay they will pay which is why so many good people are gone in my opinion!!!!!!!!!...if you intend to actiually pay you can do that on your own and not pay anything extra to pay and honor hee-hee

I don't understand, if you stay, you pay? Pay what?

buh-bye troll.since you can't attack on her homepage you do it here.ain't gonna fly while i'm here.

Thanks Paul!! There is some "guest" that I deleted yesterday that swamped the threads with attaking others and the site..karen

i wasn't on consistently last week.now i'm on again.

Yeah, the last few wekks have been hit and miss for me, will try to be on more this week, other than, am going out of town for 3 days at end of week.