Comments on: Richard Asks “Who Is Better to Get Out Of Debt With, John Cummuta or Dave Ramsey?” http://getoutofdebt.org/1773/richard-asks-who-is-better-to-get-out-of-debt-with-john-cummuta-or-dave-ramsey Free debt help and debt advice on how to get out of debt, getting out of debt consolidation scams, and inside information on the debt relief and debt help industry. Mon, 13 Feb 2012 01:25:00 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Dave K http://getoutofdebt.org/1773/richard-asks-who-is-better-to-get-out-of-debt-with-john-cummuta-or-dave-ramsey#comment-22667 Dave K Fri, 11 Jun 2010 18:22:22 +0000 http://getoutofdebt.org/?p=1773#comment-22667 You can say what you want about Dave R. and John C. and their 'back-end practices", BUT perhaps you aren't considering that it's a lack of Accountability that puts so many people in a position of being overextended. It's common sense to snowball your debts to be more effective in getting it out of the way. However, most people are irresponsible and lazy and therefor not able or willing to do what is necessary to be successful until have someone to take them by the hand. ALL OF THE INFORMATION IN THEIR PRODUCTS IS READILY AVAILABLE FOR FREE AT A LOCAL LIBRARY, but people are always looking for an easy way out. This is the reason that these guru's have put the information together for individuals. You pay for convenience if you are too lazy to search out the information for yourself. You may see this as back-end selling; i see it as providing another sorely needed option to those who can't seem to do it on their own. Neither Dave nor John make anyone buy their products or take advantage of coaching, but for some this option is essential to their success. Say what you want about these gentlemen, but i have met them both and i applaud their efforts to help further individuals in their quest for financial freedom. You can say what you want about Dave R. and John C. and their ‘back-end practices”, BUT perhaps you aren’t considering that it’s a lack of Accountability that puts so many people in a position of being overextended. It’s common sense to snowball your debts to be more effective in getting it out of the way. However, most people are irresponsible and lazy and therefor not able or willing to do what is necessary to be successful until have someone to take them by the hand. ALL OF THE INFORMATION IN THEIR PRODUCTS IS READILY AVAILABLE FOR FREE AT A LOCAL LIBRARY, but people are always looking for an easy way out. This is the reason that these guru’s have put the information together for individuals. You pay for convenience if you are too lazy to search out the information for yourself. You may see this as back-end selling; i see it as providing another sorely needed option to those who can’t seem to do it on their own. Neither Dave nor John make anyone buy their products or take advantage of coaching, but for some this option is essential to their success. Say what you want about these gentlemen, but i have met them both and i applaud their efforts to help further individuals in their quest for financial freedom.

]]> By: Justin http://getoutofdebt.org/1773/richard-asks-who-is-better-to-get-out-of-debt-with-john-cummuta-or-dave-ramsey#comment-17302 Justin Mon, 14 Dec 2009 18:15:47 +0000 http://getoutofdebt.org/?p=1773#comment-17302 I think it's kinda like weight-loss, everyone knows what it takes to lose weight, but they will continue to spend money on somebody's new approach. They all have this great idea that isn't new, and if people just did it themselves they wouldn't need to spend money on it. When it comes to finances, everyone is in a different situation, and both John and Dave have the same approach to solving it,debt snowball. If people could solve it that easily to begin with, why did they get into the mess they're in? There are always other things involved that make it complicated, and I don't think those guys can solve most peoples problem. They are more than happy to take the money from those that can least afford it. Personally, I think John is a nice guy, and Dave is a d#%k, but that's just me. :) Steve on the other hand is an honest guy trying to help out those who can't afford to pay, and does a great job. I think it’s kinda like weight-loss, everyone knows what it takes to lose weight, but they will continue to spend money on somebody’s new approach. They all have this great idea that isn’t new, and if people just did it themselves they wouldn’t need to spend money on it. When it comes to finances, everyone is in a different situation, and both John and Dave have the same approach to solving it,debt snowball. If people could solve it that easily to begin with, why did they get into the mess they’re in? There are always other things involved that make it complicated, and I don’t think those guys can solve most peoples problem. They are more than happy to take the money from those that can least afford it. Personally, I think John is a nice guy, and Dave is a d#%k, but that’s just me. :)
Steve on the other hand is an honest guy trying to help out those who can’t afford to pay, and does a great job.

]]> By: Steve Rhode http://getoutofdebt.org/1773/richard-asks-who-is-better-to-get-out-of-debt-with-john-cummuta-or-dave-ramsey#comment-6247 Steve Rhode Mon, 20 Apr 2009 18:51:19 +0000 http://getoutofdebt.org/?p=1773#comment-6247 Chestin, From what I see from the u1stfinancial.com site it appears that the service provides the client with an organized approach to reduce debt using a managed debt snowball approach or to pay the highest interest rates off first and then roll the freed up money to reduce the next debt. Not every person is good at every thing. And certainly some people would find that if someone was managing their debt reduction, they might be able to achieve it easier than if they were doing it themselves or using many of the free tools and calculators that are available one. Before I could really give you specific feedback I'd need to know the exact range of services offered and the fees charged for that service. BTW, I love the superhero on your site. Steve Chestin,

From what I see from the u1stfinancial.com site it appears that the service provides the client with an organized approach to reduce debt using a managed debt snowball approach or to pay the highest interest rates off first and then roll the freed up money to reduce the next debt.

Not every person is good at every thing. And certainly some people would find that if someone was managing their debt reduction, they might be able to achieve it easier than if they were doing it themselves or using many of the free tools and calculators that are available one.

Before I could really give you specific feedback I’d need to know the exact range of services offered and the fees charged for that service.

BTW, I love the superhero on your site.

Steve

]]> By: Fiscal Freedom Fighters http://getoutofdebt.org/1773/richard-asks-who-is-better-to-get-out-of-debt-with-john-cummuta-or-dave-ramsey#comment-6240 Fiscal Freedom Fighters Mon, 20 Apr 2009 17:35:38 +0000 http://getoutofdebt.org/?p=1773#comment-6240 Steve, First off, you've done a fantastic job with your site as it provides TONS of great information and resources for people wanting to get out of debt. I appreciate your candid and open review of the John Commuta and Dave Ramsey programs. My question is what about other programs like the money merge account system from United First Financial? There's certainly a cost involved, but with the recent changes to the program (no HELOC required, works for ALL debts, not just mortgage, etc.), I'd be curious to hear what you think about it. In the spirit of full disclosure, I am an agent of U1st and recognize it's not for everyone. But as someone very well versed in the 'pay off debt' arena, I would certainly appreciate and respect your opinion. Thanks! chestin <abbr><em>Fiscal Freedom Fighterss last blog post..<a href="http://fiscalfreedomfighters.com/pay-off-debt-cut-expenses-and-have-fun-doing-it/2009/04/16/" rel="nofollow">Pay Off Debt, Cut Expenses, and Have Fun Doing It</a></abbr></em> Steve,

First off, you’ve done a fantastic job with your site as it provides TONS of great information and resources for people wanting to get out of debt.

I appreciate your candid and open review of the John Commuta and Dave Ramsey programs. My question is what about other programs like the money merge account system from United First Financial?

There’s certainly a cost involved, but with the recent changes to the program (no HELOC required, works for ALL debts, not just mortgage, etc.), I’d be curious to hear what you think about it.

In the spirit of full disclosure, I am an agent of U1st and recognize it’s not for everyone. But as someone very well versed in the ‘pay off debt’ arena, I would certainly appreciate and respect your opinion.

Thanks!

chestin

Fiscal Freedom Fighterss last blog post..Pay Off Debt, Cut Expenses, and Have Fun Doing It

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