Testimonials

“I have been self-employed in various avenues of the financial industry for 17 years including a mortgage business for the past 11 years, first as a mortgage broker then as a mortgage banker. I have always approached my business from a counseling perspective regardless of the financial services I have offered. If I had to choose the one tool that has contributed to my continued success, it would be the Transforming Debt into Wealth tools I have been certified and affiliated with the professionals at Debt Free & Prosperous Living Inc since 1998. I have had the luxury of having a unique position in the marketplace be leading with a consultation for the Transforming Debt into Wealth Strategy, regardless of the housing market, the economy or interest rates, I have never had a loss of business by using this program. My clients love the relationship that we have build as we “navigate” the financial decisions of their life together. In fact the mortgage business is actually a byproduct of the consulting business!

I enjoy a continuous stream of referral business that not only includes multiple generations of the family members of clients, but their friends, co-workers and people with whom they do business. In fact I moved my office to my new, bigger location, made the announcement to my clients and got new phone numbers. Unfortunately, our phone number was printed incorrectly in the phone book. The funny thing is…. We didn’t discover it until three years later! Turns out the referral business is so strong that nobody ever looked up the phone book! You know you have arrived as a professional when something like that happens. Thank you John Cummuta and the team at Debt Free and Prosperous Living Inc….
“Bobbie Nabinger, Regional Manager HCI Mortgage.”


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“My first class at a new college brought in over $1,500, not bad for three hours of work. But that’s not all… follow up to those students resulted in additional income for my business through software sales and consultations.”
Sherry Ridge, Round Lake Beach, Illinois

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Dear John,
Thank you for the certification training I attended in Chicago on Dec 5th and 6th. It was a wonderful program and I am truly impressed with all the resources you have provided me, including Mel and Tony. I feel like my prayers have been answered in that I have a company that produces a program that I follow and believe in 100%. I have been handed an opportunity to make my family’s dreams come true realistically and am most grateful for that
Sincerely
Rob Cuenca

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"What is the value of the Transforming Debt Into Wealth® workshop?
The first week of March I held two classes. On March 6th, with 31 students, I netted $1,550. Two days later on March 8th, with 24 students I netted $1,016. That's over $2,600 in one week after all my expenses were paid.
In balance, some classes are smaller. On March 13th, I had a very small class of only 7 students with a net return of $318 after all expenses. That is still nearly $100 per hour.
The financial rewards are considerable, but the greater satisfaction is witnessing the changed lives and rescued families as the students begin to experience hope and deliverance from the slavery of debt. I love this business."
Whit Woodard
Rocklin, CA
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