John Cummuta‘s “Turning Debt Into Wealth” program is a popular commercial on both radio and television but people who are truly suffering under the weight of debt only want to know – “Does it really work?” People already struggling with debt likely do not want to spend even more money only to end up losing it with a bad product.

So Does It Work?
John Cummuta‘s program does seem to receive a lot of positive feedback from users. While several people mentioned that the program mostly featured information easily found on the internet for free, many backed the program stating that the downloadable course most certainly helped buyers find their way to financial freedom by eliminating debt totally using only the income you already make. The course has been a best seller for over three years for Nightingale-Conant, a company who for 40 years has produced top-selling materials on the topics of wealth-building and personal development by well-known authors such as Tony Robbins, Zing Ziglar, Steven R. Covey, and hundreds of others.

How Does It Work?
The course is written in an easy-to-read, easy-to-understand format, meant for the average consumer who may not have the time or the capability of scouring the internet. The program will help you to st financial goals that are both reasonable and attainable. It teaches you how to prioritize payments and pay off your debts in the shortest amount of time using only the income you already make. The program uses tips and tricks to make the most of your money and provides workbooks and audio training, offering information, examples, advice, and motivational examples to keep you focused on meeting your financial goals.

The course is comprised of three separate volumes of financial information. There is no specific income number required for the system to work towards debt freedom. The course dictates that anyone can be debt free using the process, which may take up to 7 years, depending on the level of debt you have incurred.

Cummuta’s price for the downloadable course is $39.95 and there is a  double money back guarantee for a year if you are not satisfied for any reason with the course materials. The only catch seems to be the consumer’s individual focus and ability to work the program all the way through. Essentially the program does not work by itself. The overall feedback for the legitimacy of the program seems very positive and with the double money back guarantee, it seems that consumers who are willing to follow through with the entire program over the years will find the program a success.