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Abstract

Debt To Wealth®
__________________________________________________________________

In Debt Over Your Head?

Don't Worry...Your Debts Could Make You Rich!

John Cummuta
Author of the World's Bestselling Personal Debt Elimination Program

Re: Don't make another payment until you see this information

I should have seen it coming.

Every day I dressed myself in clothes I paid for with credit cards.
Walk on financed carpet in our mortgaged house, and even drove a leased
car into work.

What's really crazy is...I actually believed it was all mine.

Until one day when the company I worked for went under and I found
myself scrambling just to keep from losing it all.

That's when it hit me like a ton of bricks: the house, the car, the
furniture...none of it was mine. As long as I owed people money--they
owned me.

I was a prisoner of debt. And, I had to find a way out.

But this is the strange part.

In the process, I developed a unique method that actually transforms
debt into wealth. So much wealth, that almost anyone who uses it can be
a millionaire by the time they retire.

It's fast! Easy! And works with any income level.

The really exciting part is you can do it using nothing more than the
money you're currently earning.

Imagine being able to make your debts disappear (even your home
mortgage) in 5-7 years...and then creating so much wealth you're able
to retire a debt-free millionaire.

Best of all, this isn't rocket science. That's why over 2 million
people have requested my Debt To Wealth® strategies to eliminate their
debt! In fact, it works so well it's now Nightingale-Conant's
bestselling personal debt-elimination program.

Stop being a prisoner of debt. Discover how good it feels to wake up
every morning knowing you own your car, your house, and everything in
it.

Turn you debts into wealth and never worry about money again.

John Cummuta

Invitation Clock Count-Down

R.S.V.P. Within 57.:42 Minutes
__________________________________________________________________

HOW DO I GET OUT OF DEBT

Listen to John's message: AS HEARD ON THE RADIO!

John's Messages
message #1
message #2
message #3

Customer Testimonials
customer testimonial #1
customer testimonial #2
customer testimonial #3

I mean seriously... "How do I get out of debt and start building
wealth?"

How can I save any money with all this debt hanging over my head? How
can I get some peace of mind back in my life and get back on my feet?
How will I ever be able to save for my retirement when I've wasted so
much money getting into debt and then trying to pay back my creditors?
Why did I buy so much stuff I don't even use anymore?

DOES THIS SOUND FAMILIAR?

If it does...you're not alone. In fact most of the people you know and
deal with on a daily basis struggle with this same dilemma:

How can I eliminate my debt and ALL the stress that comes with it? And
secondly: How can I actually save my money and build up a substantial
amount of wealth BEFORE I retire?

BEFORE you can build up personal wealth you must eliminate your debts.

If this is something your heart yearns for but you haven't been able to
accomplish yet, I strongly encourage you to listen to what I have to
say. I have the HONEST, responsible, solution you've been searching
for.

LET'S GET SERIOUS ABOUT THIS STARTING RIGHT NOW.

You can't get out of debt because the credit card companies don't want
you to.

That's right. They just won't let you!

They've got a slick system that keeps you in debt until you're old and
gray. It's great for them, but bad for you. Well I've got a program
that destroys debt, and I can show you how.

It doesn't matter how much money you make, or how much debt you have.
My program doesn't consolidate your debt, it eliminates it.

"At the time I found your program, was actively contemplating
bankruptcy. Now, two years later, I've paid off four credit cards, the
car, 1 personal loan, and am working on the last credit card and loan.
In another six months there should be nothing left but the mortgage!

Thank you, thank you, thank you!"

Sue Staley
Milboro, VA

GET OUT OF DEBT NOW!

Hi, my name is John Cummuta, and I want to help you own your life
instead of wasting all your energy and money renting a lifestyle.
There's a huge difference.

If you are like most Americans, you have probably painted yourself into
a financial corner with a 30 year mortgage, student loans, car loans,
multiple credit cards, and even possibly a 2nd mortgage.

You are likely living from check to check and renting many of the
clothes and toys you just "have to have." And what's even more
discouraging is that you will never get out of this quagmire in time to
enjoy life if you ever get out at all.

I understand why and how you got yourself in this situation. I was once
there myself. I was miserable. I know how stressful life can be when
you're deep in debt. I'm sorry that you're going through this right now
and I want so desperately to help you get out of this awful situation.
Please listen as I show you the way to a debt free life, peace of mind,
and likely even abundant wealth.

You are likely reading this for a reason. I don't believe in chance
anymore.

1. THE TRAGEDY OF DEBT

Burdens caused by my debt

95% of Americans live in debt.

Less than 5% of Americans actually retire financially independent.
There is a reason we admire those who are able to live a life free of
debt; they are a rare breed. I want to show you a simple, Step-By-Step
Process for eliminating your debt.

Step One:

Take out a piece of paper and list all the burdens of debt:

Typical items listed here are things like "un-needed stress" and
"financial insecurity" or "I have to stay at a job that I hate" or "my
wife has to work instead of being home with the kids."

Whatever your debt burdens, take a moment and list them all.

FACING THE REALITY OF YOUR DEBT

If you are currently in debt and have been honest with yourself, Step
One was probably a bit of a reality check. Don't worry, there is a
light at the end of this tunnel. In fact, it's almost impossible for
you to progress through the next steps if you haven't faced the cold
hard facts of what debt has really cost you.

WHAT IF YOU COULD START OVER?

How would you like to own everything in your life? Your home, your
cars, your furniture...everything? How would you like to have no debt
payments, no mortgage or rent payment, no car loan or lease payments,
no credit card payments, no debt payments of any kind?

And how would you like to be rapidly building your wealth from the
first month?

Sound like a dream?

Well it's a dream that's coming true for more than a million people all
over the world, because they learned the principles taught in my Debt
To Wealth® program.

2. THE REALITY OF BECOMING DEBT FREE!

Benefits of being debt free

With John Cummuta's Debt To Wealth® program:

A typical $60,000 annual income household with $151,639 in total debt,
including their mortgage, could be completely debt free, owning their
home, two cars, and everything else in their lives in just 5 years 9
months!

Step Two:

Take out another piece of paper and list all the benefits of
being completely debt free:

Typical items listed here are things like "more free time to spend with
family" and "financial security" or "I can more easily make a career
change" or "I own my home and everything in it." Take a moment and list
all the benefits of being out of debt.

HOW IS THAT POSSIBLE?

DEBT FREE in 5 to 7 years? How is that possible?

Here's an example: $2,000 credit card balance; $50 min. payment; 18%
interest rate.

Applying an additional $50 a month to this debt pays it off in 24
months and you would save $1,985 in interest. You would need to get a
49.5% equivalent rate of return on an investment in order to generate
the same $1,985 in 24 months with just a $50 a month investment.

If you applied $100 additional to the same debt, it would be paid off
in 15 months and you would save $2,268. This is a 67.9% equivalent rate
of return!

Debt To Wealth

YOU CAN PROBABLY BE DEBT- FREE IN 5 - 7 YEARS
(including your home)!

That's right! Using nothing more than the money you already bring home.
And you'll actually begin building significant, net-worth-measured
wealth from the first month you put my debt elimination/wealth building
program to work. It's called Debt To Wealth®, and it's
Nightingale-Conant's #1 Best Seller, and has been for more than five
years now.

So far I've taught more than a million people, one way or another, on
four continents.

And the remarkable thing is that consumers all around the globe are in
similar positions. They've been sold the lie that living a debt-fueled
lifestyle is the best way to "enjoy success." But what they've come to
realize, at one point or another in their journey, is that they're
being used to make their lenders rich...instead of themselves.

"I am happy to report that I did continue the principles, and finally
was debt free a year ago. This has certainly been of help recently as I
was laid off last month, so not having a mortgage and loans to pay has
eased the stress. Thanks for a great program!"

Paul Joyce
Keller, TX

"BUT YOU DON'T KNOW MY INCOME...OR MY DEBTS."

The fact is that it doesn't make much difference what your income level
and debt level are, because the two numbers are proportionate ---
meaning that, if you have a large income, you'll be granted enough
credit to build up a large debt load. Conversely, if you have a smaller
income, you'll only be granted a proportionately smaller total debt
load. The good news is that this ratio of your debts to your income
means the Debt To Wealth® program can usually help you pay off your
debts with your income in around 5 to 7 years.

3. "EXACTLY WHAT ARE MY DEBTS?"

What are my debts?

The average American household is in debt over 2 and 1/2 times it's
annual income!

A typical $100,000 annual income house hold with $262,060 in total
debt, including their mortgage, could be completely debt-free, owning
their home, two cars, and everything else in their lives in just 6
years 5 months!

Step Three:

Take out another piece of paper and list all your debts:

Typical items listed here are things like "mortgage" and "car loans" or
"credit cards" and "dept. store credit."

Take a moment and list all the things you have acquired in debt.

TRY IT FOR YOURSELF

Compare your information to see just how fast you can be out of debt!*

(The average family can pay off debts that are 2 1/2 times their annual
income in 5-7 years!*)

"...I should be out of debt in three to three and a half years, instead
of thirteen, at which time I'd be 64."

-Tim Newman

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

-Linda F. Williams

"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...."

-Bonnie Bowles

*Results are based on a national average of people who have
participated in the Debt To Wealth® program and are not a guarantee.
Participants must purchase the program in order to calculate their own
specific out of debt date for themselves - and then follow the program
exactly as outlined in order to ensure it's success.

USING ONLY THE INCOME YOU CURRENTLY MAKE!

I've taught this program around the world. I've also shared the
platform with many notable speakers, teaching the Debt To Wealth®
program to thousands of debt-laden hard workers just like you.

HOW DOES IT WORK?

Albert Einstein said the most powerful invention he ever saw was
"compound interest." Those that understand it, earn it. Those that
don't, pay it.

I'm going to help you truly understand it in every financial decision
you will ever encounter for the rest of your life starting with your
debt and then moving to your wealth!

With the Debt To Wealth® program, I will walk you through a series of
steps that will truly change your life. You will learn how to avoid
falling into debt again -- and then you will start building wealth...I
mean real wealth!

"According to your plan, we should be out from under $164,000 of debt
in about 4 years just with my husband's income! Every day we 'find'
more income to add to the priority margin chipping away at that 4 year
figure, and WE'RE EXCITED!"

Thank You John!
Rick & Marcie Palmer

IT ALL STARTS WITH MY DEBT TO WEALTH PROGRAM

My Debt To Wealth® program will walk you through a step-by step process
that will change your life forever. I promise.

I can say that because I know for a fact it works.

I have experienced it in my own life and I've witnessed it in the lives
of thousands of others who have purchased this program, followed the
steps, got out of debt, and built up savings, retirement, and
investment portfolios they never thought possible.

I have seen families strengthened because they were free from the
perils of debt.

I have witnessed marriages saved because couples chose to follow these
steps.

I have observed grandparents get out of debt and provide a suitable
retirement for themselves.

I have heard literally hundreds, if not thousands, of testimonies from
people who have completely changed their lives just by getting totally
out of debt after they used my program. But again, I don't need
testimonials to know that it works...I experienced it for myself
firsthand and that was all I needed.

I know it sounds a little cheesy, but I don't care about the money I
have made from teaching this Debt To Wealth® program (and YES, I have
made a lot of money because of it - which is OK because I'm offering a
product of such immense value for so little) what I really want is for
all those people who are suffering because of their choices to get into
debt to finally take control of their lives and enjoy all the blessings
that come with a debt free and prosperous life.

WHAT IS INCLUDED IN THE DEBT TO WEALTH PROGRAM?

Well my first response to that is: "Knowledge, Power, and Money."
Which, if you think about it, is absolutely true. But, let's get a
little more specific and break down everything you will receive in the
Debt to Wealth(TM) Program:

The Welcome Kit

First you get the Debt to Wealth(TM) Welcome Kit. This includes the
following items:
1. An Introductory Letter from me
2. A Quick Start Welcome Video where I walk you through each part of
the entire program
3. A Commitment Certificate you will sign and date as you begin the
program
4. The 14 Day Challenge designed to give you a focused approach and a
strong start as you begin the program. It also includes three
additional virtual advisor videos where I give you specific advice
and encouragement during your first two weeks.

The Debt to Wealth(TM) Three-Part Online Video & Audio Course

This is the heart and soul of the program. In these three modules you
will discover the Debt to Wealth(TM) System and learn how to calculate
and create your personal debt elimination plan.

In addition to each of the video segments, you will also receive an
audio version of each of the sessions to help you reinforce the
lessons. All you need is a Adobe Reader and a media player to play the
audio and videos and your all set!

Here's what the Debt to Wealth(TM) program will cover:

Module One: The Trouble With Debt
1. The Five Crushing Outcomes of Being in Debt
2. The Shocking Truth About Mortgages
3. The Five Surprising Ways Debt Damages Your Life
4. The Truth About Credit Cards They Don't Want You to Know
5. How Your Car Payment Could Rob You of Millions

Module Two: The Coalition of Four
1. The Explanation of the Coalition of Four-Who They Are...And...What
They're Doing to Rob You of Your Financial Future
2. The Real Reason Most People Will NEVER be rich
3. How The Coalition Uses Our Weaknesses Against Us
4. Why A Consumer Mindset Actually Destroys Wealth
5. Revealed! The Monthly Payment Trap!
6. The Difference Between Good Debt and Bad Debt

Module Three: The Debt to Wealth(TM) Solution
1. Stage One: How to Operate 100% On Cash
2. Stage Two: How to Quickly Begin Building Wealth By Paying Off ALL
Debts (including any mortgages)!
3. Stage Three: How to Focus ALL Available Cash On Long-Term Wealth
Building!
4. How to Harness The Power of the Cascading Debt-Elimination
System(TM)
5. The Six Steps To Totally Redesigning Your Life!

The Debt to Wealth(TM) Companion e-Workbook

This workbook contains the written lessons that complement what you
will be learning in the three video course lessons. It includes
strategies, tips, action steps and the actual forms you will use
throughout the three video lessons to calculate your own debt
elimination plan.

Ten Keys to Staying on Track with Your Debt to Wealth Plan Audio

In this exciting audio session I'll act as your personal financial
trainer and give you 10 insights designed to keep your eyes on the
prize of complete financial freedom! Actually, these 10 keys will help
you better achieve ANY goal in your life. Listening to this audio will
help you stay motivated!

Bonus #1: Secrets, Myths and Realities of Financial Independence

In this downloadable ebook, I'll explain what financial strategies and
tactics will work; which ones won't; and, which ones are FLAT OUT Lies!
After reading this you'll be able to avoid a lot of the financial
potholes most people encounter.

Bonus #2: Jump Start Your Credit Status

In this downloadable ebook, I'll show you how and why you'll be
completely rebuilding your FICO credit score, while you're following
the Debt to Wealth(TM) program and paying off all your debts.

Bonus #3: The Trend Tracker

In this downloadable ebook, I'll explain what is happening in the
economy, stock market, real estate markets, employment, lending and
every area where the trends can affect your finances. And then I'll
tell you exactly how to respond to these trends in light of the Debt to
Wealth(TM) plan you are following.

HOW MUCH DOES IT COST?

All right, let's talk price and value.

I will sell this downloadable Debt To Wealth® online course to your for
only $39.95!

Simply put: "This is a great deal. You know it is, and I know it is."

I could give you a big pitch about how much I've marked it down and all
that smoke and mirrors garbage but that's exactly the stuff I want you
to avoid in the future! From now on I want you to make all of your
financial decisions based on NEED and VALUE only!

I'm so confident in the value of my Debt To Wealth® online course that
I will give you an entire year to try it and if you aren't satisfied
for any reason at any time during that year I will pay you the $39.95
back.

(I would also ask you to write me a personal, descriptive letter/email
to explain why, because I am deeply interested in your success and any
way I can help.)

That's $39.95 - that's a 100% guarantee!

You have a perfect win/win situation here: If you buy the Debt To
Wealth® online course and start eliminating your debts and building
your wealth you will obviously save and earn thousands of dollars. But
if you buy the products and decide it doesn't work for you, you'll
still make a 100% return on your investment.

Even without the 100% guarantee, look at what you are getting:

4 Downloadable Books, PLUS the BONUS Book, PLUS the Streaming Audio.
All of which, if used together, include a Step-By-Step process that
walks you and your family through a series of needed adjustments that
will bring you financial security, peace of mind, and a sense of self
worth that can not be purchased with money.

Let's take this step together.

Register to instantly receive and download the Debt To Wealth program
and learn how to completely eliminate your debt. Enter your information
below to proceed
First Name:
____________________
Last Name:
____________________
Email:
____________________
Ex: name@provider
Phone Number:
____________________
Ex: (###)###-####

Submit

Services are provided by Prosper, Inc., which has been specially
selected by John Cummuta to provide education and guidance throughout
your program.

John Cummuta
Author of Debt To Wealth®

P.S. (On a very personal note)

I remember when I received my first letter from a struggling couple who
were deep in debt and considering divorce. Their decision to "come
together" one more time and give my program an honest try was a last
ditch effort to save their marriage and even their children's future.
You can't imagine how wonderful it's been to keep in contact with them
over the years and watch them follow the steps in my program and
finally get out of debt. Their financial situation is now rock solid
and their marriage is better than ever.

I certainly wouldn't take credit for saving their marriage--because
they did the work. Nor would I suggest that you wait until you're DEEP
in debt before you take action or that my program is necessarily the
best program for every person and every circumstance. But, if you have
felt the strains of debt in your marriage or your family to ANY degree,
I am pleading with you to not let it go any further.

Know this: if you decide to join me, I will be with you every step of
the way.

Thank you so much for your time!
* © 2011 Debt to Wealth
* Privacy Policy

End of Abstract

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