Read how the Transforming Debt into Wealth® system is impacting lives of people just like you...

Bill and Anne Boylan
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."

Martha Shea
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!

Theresa Kivatinos
"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."

Tim Newman
"...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."

Dolly Fairchild
"Thank you for saving my life! I've already retired $4,000 (in bills) in 5 months. Bless your heart!"

Vincent C.
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.

Dean & Bonnie Seymour
"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."

Steve Gaudur
"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."

Loyal J. Gifford, Jr.
"I belong to the Charles Givens Organization. HOWEVER, your method is by far the simplest to use and makes the most sense."

James Morris
"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."

Karen May and John May
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!

Linda F. Williams
"I never imagined that a $10,000 debt could be paid off in 2 years."

Martin Kroah
"The [Transforming Debt into Wealth] course has become my financial bible."

John,
This program, as I've told you before, has changed not only my life, but the lives of about 7,000 others that I have had the privilege of teaching since 1996. My goal for 2003 is another 5,000.
In HIS service,
Bob (Colossians 3:23,24)

Christopher A. Clarke
"I would recommend this product and service to anyone who is sincerely interested in moving forward financially."

Bonnie Bowles
"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."

Matt and Ann Beebe
"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!"

Vanessa Riutta
"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,"

Gerry White
"You have written the book and produced the tapes that could turn this whole country around."

Walter B. Townley
"Thanks for your guidance. You have been an answer to prayer for a retired minister and his wife."

Donald Hopstad
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."

Alan Pepper
"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."

Rick & Marcie Palmer
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.

Augusto Alvarez
"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.

Chico Villagran
"You saved my life, because for quite a number of years I had been searching for a way to get out of debt."

Eddie Pons
"This is the first time that I've ordered anything through mail order that was well worth reading."

Carl R. Marr, Jr.
"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!!"

Mark Anderson
"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."

Thomas A. Mayer
"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."

Robert Westra
"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."

Susan Riggen
"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.

Steve Campbell
"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!"

Tim and Ginny Monk
"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."