John Cummuta offers easy-to-use methods to rid yourself of all your debt within a set timeframe. But more than the mere elimination of debt is the promise of a new approach to managing your income that will keep debt from reclaiming your life again. No more worrying about repaying debts or loans and you will even be able to accrue money in saving. Most of Commuta’s information is delivered through his numerous books. Some of the more notable examples include Debt-FREE and Prosperous Living Basic Course, Transforming Debt into Wealth system, Wealth Machine: How to Start, Build, and Market a Debt-Free Business That Fits Your Life, and The Power of Perpetual Income. Beyond his books, John Cummuta has gained some interest with the development of computer automated debt elimination software called Debt Free PC.

Commuta’s story begins ten years ago. Then he had not a care in the world. Cummuta was a very wealthy man with an estimated monthly income of about $24,000. With a plush five bedroom apartment in Chicago and expensive cars, Cummuta had no worries-at least until his business went belly up. In the wake of that disaster, he lost nearly everything due to credit card and other sources of debt. Cummuta had failed put back any of the cash that was pouring in saving. But something amazing happened. Though it took him a full ten years, John Cummuta is completely out of debt and making a modest in come from investments and from the work he has been doing to help save other people from making the same mistakes he did with his money.

Yet with all of the success, Cummuta is enjoying due to his book sales complaints are emerging. Many of his books have been deemed critical failures by those who have studied the content thoroughly. Commuta’s information is nothing new, the critics say. You can find most of the lessons and methods being employed in his various books anywhere on the web. Regarding his book Transforming Debt into Wealth, critics point out that Cummuta emphasizes the gaining of wealth over and above actual debt management. Vital detail is lacking and the content fails to address major issues adequately. When talking about the need to sign up as an affiliate, Cummuta fails to even make mention of how this is accomplished or what is involved in being successful as one.

John Commuta’s books, though possibly useful to some, do not meet the needs of the vast majority of people are looking for serious answers to their debt management questions and solutions that will help them overcome their dire financial circumstances. The consensus held by many is that if one were to take some of Commuta’s basic concepts and then merge them with other debt specialists, there are more possibilities for creating a strong and successful business.