Complaint Review: Transform Debt Into Weath Program - John Commutta - Niles Illinois
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- Author Confirmed
- Transform Debt Into Weath Program - John Commutta 6245 West Howard Street Niles, Illinois U.S.A.
- Phone: 866-6023623
- Web:
- Category: Telemarketers
Transform Debt Into Weath Program - John Commutta The "transform debt into weath program" is a total waste of money, time and a rip-off Niles Illinois
*Author of original report: Careful with John Conmutta scan
*Author of original report: Careful with John Conmutta scan
*Author of original report: Careful with John Conmutta scan
*Author of original report: Careful with John Conmutta scan
*Consumer Comment: Commuta: good material, but over-hyped
*Author of original report: John Commuta is a rip-off
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I heard the nice message on the radio concerning this offer of transforming "debt into wealth" and order the product for the free trial.
A box came in almost 10 days after...Fedex seems to have it delivered to the wrong address.
I overlooked at the materials and called the firm to cancel the free trial telling them that I was not interested.
After another 2 weeks, I checked my credit card balance and found out that I had been charged ~$80 AS THE 1ST INSTALLMENT OF THE PROGRAM!!! I called customer service 4 times asking what was going on and all the times was put on hold excessively and even was hung up.
They could not prove to me that they had given me proper instructions on how to proceed with the program and said that because the 30 days had passed, I would have to pay the full program cost of ~$250!!!!
Nice way to help people out of debt...but trying them to pick up more.
I went to my bank and closed my credit card. Let them deal with a collector agency.
I really fell bad for being so stupid!!!
DO NOT DEAL WITH THESE PEOPLE.....THEY ARE A MAJOR SCAM!!!
Rudy
Phoenix, Arizona
U.S.A.
This report was posted on Ripoff Report on 04/03/2008 11:22 AM and is a permanent record located here: https://www.ripoffreport.com/reports/transform-debt-into-weath-program-john-commutta/niles-illinois-60714/transform-debt-into-weath-program-john-commutta-the-transform-debt-into-weath-program-323386. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#6 Author of original report
Careful with John Conmutta scan
AUTHOR: Rudy - (U.S.A.)
SUBMITTED: Friday, April 17, 2009
I received a "collection" notice in the mail. What a joke of a company.
#5 Author of original report
Careful with John Conmutta scan
AUTHOR: Rudy - (U.S.A.)
SUBMITTED: Friday, April 17, 2009
I received a "collection" notice in the mail. What a joke of a company.
#4 Author of original report
Careful with John Conmutta scan
AUTHOR: Rudy - (U.S.A.)
SUBMITTED: Friday, April 17, 2009
I received a "collection" notice in the mail. What a joke of a company.
#3 Author of original report
Careful with John Conmutta scan
AUTHOR: Rudy - (U.S.A.)
SUBMITTED: Friday, April 17, 2009
I received a "collection" notice in the mail. What a joke of a company.
#2 Consumer Comment
Commuta: good material, but over-hyped
AUTHOR: Kvan - (U.S.A.)
SUBMITTED: Saturday, January 24, 2009
I bought this program over a year ago (paid ~$40), and it is not a ripoff, but I'd have to say they do over-hype the material. They take a simple idea that you can get if you dig around a bit, then present it in a more formal, easy to follow program.
So, how do you pay off your debt so fast? Here's the secret, and it's not rocket science: Add up all your minimum payments for all your credit card debts. Lets say that adds up to $600 a month. Then, budget and cut costs so that you can scrape up a bit more to pay down debt. Commutta gives you ideas here. Lets say you can now devote $800 per month to credit card debt ($200 above the minimum required). You commit to this each and every month, with the extra amount going to the highest interest rate card. Here's the key: even when your minimums gradually are reduced, you continue to pay the $800 per month. After your first card is paid off, your minimums will be significantly lower, BUT, you continue paying your commitment of $800. Whereas you began with $200 extra, now the additional payments might be $300 or $400. The extra money pays down the next card even faster. Yet you continue with your commitment to pay $800. Most people can eliminate all credit card debt in 2-3 years this way, versus 10 years or more by paying just the minimum payments.
Once your credit card debt is gone, that commitment of $800 is now directed to your mortgage. If your mortgage payment is $1000, you will be paying $1800 a month. It's easy to see how paying an extra $800 per month towards principle on your mortgage will pay it off very quickly. 5-7 years is pretty typical for the whole process.
As I mentioned, Commutta is not the only one with this system, he is just the one selling it the hardest. Other recommendations as an alternative to buying the Commutta program:
Look at www.DueMinder.com - free on-line tools lettin you enter your debts and a commitment level, then it simulates the payments, showing how things get paid off so quickly. Also sends you payment reminders.
Buy and read Dave Ramsey's Total Money Makeover - great budgeting advice and explains this debt reduction system as well.
Check out www.TheFinanceForums.com - lots of info and you can ask questions of knowledgeable people.
#1 Author of original report
John Commuta is a rip-off
AUTHOR: Rudy - (U.S.A.)
SUBMITTED: Monday, September 15, 2008
DO NOT...I REPEAT BUY ANYTHING FROM THIS FIRM
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