transforming debt into wealth?

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 [email]john@johncummuta.com[/email] 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.

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. :lol: 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.

Quote:

The world is full of scams. The internet brings them to life.

Do not order the "free CD" they advertise on the radio. I ordered it and they told me I was making no commitment at all. They send me a box with several materials. The box was not open inmediately, since I was not told that in 30 days they were going to start charging me $80.00 x 5. This morning I saw the $80.00 charge in my credit card statement and called the company. They told me there is nothing I can do. I told them I was going to send back the box and they could keep the $80.00, just not to charge me going forward. No luck, they pretty much told me "you are keeping the box and we are charging you the $400.00". Keep in mind they have me on tape asking if they are going to charge me automatically after 30 days and the salesperson says "no, you are not commiting to anything". Well apparently I was commiting to everything.

Dear Mykesteph, my step-dad has had problems in the past with ordering a product and then they didn't reveal that he was signing up for monthly automatic shipments/charges to his credit card. He called his credit card company and they took care of it for him because they were unauthorized charges. Hopefully that would work for you too, just call your credit card company and see what they can do.

i did order it, it had some helpful info in it, but nothing you could not get from books at the library and a lot of it was common sense, i did return it w/i the 30days, and did not have any problem doing that

Why didnt you open it and take some personal responsibility in looking at it. I'm sure you were instructed to take 30 days to at least look at and investigate if it would work for you.. you admitted you attempted sending it back after the 30 day trial period.you have no one to blame but yourself for not following simple instructions that who ever you talked to originally had to disclose to you LEGALLY apon sending out the product . WAKE UP and as homer simpson would say,duh!

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I guess, I miss quoted homer. sorry. I should pay better attention. If you have questions if the total cost of the program was not disclosed by the rep. I suggest you make a formal request for recording of the sales call confirmation. you have a legal right to review it.. sounds like hear say from your friend to you about the actual conversation that took place, not that he may be correct, not my call. A company that has been promoting its product like transforming debt into wealth for several years, nearly 20 years, has no intrest in getting tied up in law suits for the sake of making someone unhappy and making some extra dollars on the side. I really believe where they make their money is when they actually help a customer get on the right track, and make some common sense decisions to get their finances in order, and yes alot of whats in the program is common sense. Something alot of people in this day and age don't use. That's why their financial situation is in shambles. maybe reviewing the common sense issues is not such a bad idea. D'oh!

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my info was not an argument but a fact where did you put it?gone where?? you sound like a r politician.get your information source to me and we'll go from there . and make sure you are accurate.where did you pull out that information fact... to quick to debut my info. what are you an encylopedia.

Quote:

why do you think that on every marketing arm for this project they actually record the phone conversation from the beginning to end... there is a good reason.. people need to pay attention. did you ever notice that people generally ALWAYS assume that THEIR exception to the rule or what they agree to should be taken into consideration above all else.I think they call that entitlement, especially if they actually agreed to the terms at the time.. lets say like agree to review the product for 30 days and resonding back if they CHOOSE not to participate. get a clue

big words. litttle content

thank goodness for this site is all I have to say. Before I ever think of ordering or beleive what someone is selling I look it up to see what anyone may have to say about it.
I am finding that there are more scams out there than I would have ever dreamed of, I was thinkin of ordering this no way will I do it now.

thank you all for your input.

For those of you who are in debt, I'll tell you how I did it. I went thru a divorce, and accquired a debt, that I had to pay off from my EX for $10,000.00. I did it the old fashion way. You still have to pay the 10,000.00, but with little or no interest. The interest was killing me on the payments. You know all about those letters you receive in the mail from credit card companies offering 0 % interest for 6 months and no penalty for transfers. All you have to do is keep moving the money you owe, from credit card to credit card, keeping track of the deadline. Allow yourself at least 60 days before the end of the 6 month period. Then keep transfering your money to another card. Of course you dont use this card for purchases, and DONT be late on your payments. credit card co. count on you being late, so they can charge that LATE FEE. Even 1 or 2 % cards are fine to use. I think the most I payed in interest for a month was $6.00. Hope this helps everyone out there.

STAY AWAY!!!! THESE GUYS ARE CROOKS!

I bought the whole CD "Quick Start" DVD & Manual at a weak moment - tried to return it - everything was unopened and untouched, but it was just past the 30 day trial period & they wouldn't return it. Customer service is EXTREMELY RUDE (Keith) - even their boss Agnes was condescending and very rude. They have continued to charge my debit card - more than stated for the entire system AND are charging me monthly form $67.49 to 79.99 for ?
They deny they are charging me -
I am putting a charge back on my credit card which is also a nightmare.

I ordered CUMMUTA's TDIW program, used the software program to draw up a plan, listened to the audio CDs as motivation during my commutes to work, and read through the other material included in the package. I learned a lot from the program that I didn't know and didn't have the time to gather myself through research. Is the information out there? Sure, but it was easier for me to have it all in one system, so I can't say it's a scam. For me, I've benefitted greatly from my purchase. While I did take the 30-min free phone consultation that's offered as part of the set, and I found the guy on the phone to be polite, I chose not to buy into the mentoring program from the company with which Commuta partners for such services. I've received only one phone call since, and have not been bothered with offers after I turned them down. Some may need such a program to help them stay disciplined financially; I felt I could do it alone with the knowledge I got from his product. And I am succeeding in following my financial plan. After only 2 years (this July), all my debts (but for mortgage) has been paid off: that's numerous maxed out credit cards, gas cards, auto & furniture loans, etc. Perhaps I could've found the info cheaper had I looked, but I didn't. I'll admit that and can't blame Cummuta for my lack of "bargain shopping". Still, considering the financial freedom I've been able to achieve in the 2 years since I heard his radio ad and took the chance, I'm pleased. Is it a product that works for everyone? No, but it worked for me.

Do not get involved with turn debt into wealth....huge scam.... We only purchased the introductry kit then called the number for consultation where they tried to sell us the cd's and we didn't buy...they wouldn't let us send back the introductry kit and was charging our credit card $79 plus other charges. We had the credit card company take them off then the other day we recieve a bill from new world media stating we owed 239.97 but for a limited time they will reduce our amount to 119.98 . There is is no contact number . At the top where the address is it states not to send payment there, there is a website to submit payments, that's how i found out what new world media was ..the website is tdiwpayments.com and if you punch that in it comes up turn debt into wealth....anyways...scam scam scam.... I'm sure he is turning his debt into wealth...people probably just pay without investigatin.....stay away!!

Greetings All,

Just spend your time in here.

Run away from this guy.

Ciao,
King "Kash" Jabba Labba

Here's my program: 1) Pay off your debt, either in full or with settlement/bk. 2) Make some more money and save it.

That will be $500. Thank you.