John Cummuta is creator of the best-selling "Debt-FREE & Prosperous Living" course. He is also a popular financial and business seminar leader. John was the first financial advisor, to teach that ALL personal debt is bad for the average American consumer -- and his "Transforming Debt to Wealth" program has proven to be a fast-lane escape route for countless former credit-aholics. John's unique financial strategies offer one of the few exit ramps from the highway to heartbreak. He has helped over a half million people position themselves to enjoy retirements that most people will only dream about.

After years of learning the most complex financial concepts, from the top names in the business, John has found that the basic steps for attaining personal financial independence are really uncomplicated and straightforward. They are the foundation of his "Transforming Debt to Wealth" system.