Who is John Cummuta? Is He a Scam? The Debt Free Bible and Transforming Debt into Wealth Review

Who is John Cummuta? He is a Debt Elimination Guru. Is he legit? Is he a scam? The Debt Free Bible, Transforming Debt into Wealth, and other books are written by John Cummuta. Dave Ramsey and John Cummuta are very similar. Is bankruptcy an option? What is John Cummuta's plan?
John Cummuta went broke and had to start over. He developed a "I hate debt" attitude. He is not a scam and is legit. What did Cummuta do before he wrote book?