Who is John Cummuta?  He is a gentleman who offers a Transferring Debt Into Wealth Book. The book is $39.95 and it is downloadable. If for any reason you are not satisfied within one year he will pay you your $39.95 back plus another $39.95. He will however ask you to write a personal descriptive letter or email explaining your dissatisfaction with his product.

Let’s see what one person had to say about John Cummuta’s money back guarantee.

January 18, 2008 Linda R. from Virginia
  I ordered a John Cummuta CD from the radio but I had to go out of town and got busy for the next few weeks. Needless to say the 30 days lapsed and when I called today I was told I could not cancel because I was beyond the 30 days. I told them I no longer wanted this service and I was informed that I could not return the product and that I would continue to be charged the monthly rate for 4 more months! I did not want the service, but no dice. The best they could do was to eliminate the last monthly charge--- big deal. I have not even opened up any of the folders. I am tempted to call or notify Clark Howard. Has anyone else had this experience?

This might make someone wonder what happened to that 1 year money back guarantee. I think this probably shoots it down.

November 4, 2005 Frank A. from California wrote:
  After ordering John Cummuta’s program in May, I never received the product. However, his company continued to pull out 5 payments at a cost of $80 dollars per month. I called his company and they gave me a phone number to call. After calling the customer service department and speaking to the most rude service rep who stated to me that they were not going to give my money back and that the package was delivered to me by FedEx at a time that I am not home from work.
   The reason John Cummuta calls this Transferring Debt Into Wealth is it does just that. It transfers funds from your account into John’s account and presto no more debt. (For John that is.) I would like to tell you to stay away from John Cummuta products as you may suffer the same fate as I have.

March 12, 2008 Lynda fro WI wrote
   After you receive his materials, John Cummuta offers coaching programs. Using a high-powered sales pitch that forces you to decide NOW, he scams even more money out of people already in trouble financially.
   One year, one call per week, is $15,000. Yep, you read that right, $15,000. Six months is $13,000 and three months is $7095. He promises that before the coaching is done your coach will have helped you recoup the cost. Yeah, right!
He takes people in financial trouble and promising to help, makes their situations worse.

There are other examples that prove there are unhappy campers about John Cummuta’s programs. I think I will hold on to my funds and pay off my debts rather than send it to him to pay off his.

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