John Cummuta is the author of the best-selling Transforming Debt into Wealth® system, the Debt-FREE & Prosperous Living® Basic Course, and the Wealth Machine™ business startup system. He is a popular financial and small business seminar leader. Since 1991, Cummuta has been a tireless voice for the stress-free and option-filled life of complete debt-freedom. Through his seminars, books, audio and videotapes, and computer software, he has helped countless families get out of debt and begin to build new, financially free lives.