Get out of debt in 18 months (or less) with your personalized debt repayment plan

Easy to use software grabs debt details and instantly creates an individualized month-by-month debt repayment schedule.

Are you looking for a quick, easy way to get out of debt?

You simply enter the Creditor Name, Annual Percentage Rate, Current Balance, and Monthly Payment for each of your credit cards and loans. Our debt reduction software does the rest for you.

With the push of a button you instantly create your very own personalized, debt repayment plan. Your plan shows you exactly how much to pay each creditor every single month. No more guessing who you should pay first. No more trying to figuring out the best way to use your hard-earned money to pay off your debt. Our debt reduction software does all of that for you.

Would you like to be out of debt in 18-24 months?

Our Zilch Standard software takes all of the details about your debts such as:

  • interest rates
  • currents payments
  • outstanding balances
  • etc...
and instantly turns everything into a step-by-step monthly debt management plan.

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Do you want to save a ton of money in credit card finance charges?

Our debt deduction software analyzes your debts, determines the most efficient way to pay them off, and produces a personalized debt repayment plan that saves you a ton of money. By following your personalized debt repayment plan you will save thousands of dollars in interest penalties.

This is real, hard-earned money. This is your money. This is money you are currently giving away to creditors for no reason.

Would you like a renewed sense of hope and excitement?

Because you instantly see your actual debt-free date, there's a wonderful feeling of hope that comes over you. Hope that immediately turns into belief. A belief that's strong. Why is that belief so strong, because there really is a light at the end of the tunnel. You can see it. You believe it. You know you will get out of debt soon. Now that's exciting.

  • You have a plan to get out of debt on a specified date
  • You know how much to pay every single creditor each month
  • You will make it happen
( Payoff Summary Report )

Guaranteed assurance of absolute and complete privacy!

Your personal and financial information are never shared with anyone! That's right. You purchase our debt reduction software and download it to your computer. What you do with our software from that point on is entirely up to you.

  • No communication goes back and forth across the internet
  • No one will ask you for information
  • No one sees your financial data unless you give it to them

Finally, you can take advantage of trade secrets used by many expert financial counselors in the privacy and comfort of your own home.

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❝You'd think someone with a Finance degree would be able to avoid debt❞

You'd think someone with a Finance degree would be able to avoid debt, but my husband and I hadn't avoided it. I had quit working to raise our family, and two of our children had major medical bills. We found ourselves in over $80,000 of mostly unsecured debt. I was desperate when I found ZilchWorks. Your software was like a ray of light shining in on our dark situation.

When I SAW, that we could be debt free by 2011, even though that was years away, it was just the motivation I needed. The printed reports have been vital in our success. They keep me on track when I am tempted to spend money I shouldn't be. I keep them handy so I can glance at them and remind myself where we are headed. The idea that we will have financial freedom THIS YEAR is exhilarating!

I now have the desire to help others get out of their debt situations, so I am happy to tell the world that ZilchWorks can get you there. And by the way, this is a “paid” testimony... we've been “paid” all the interest that would have been shelled out to lenders had I not found this program.

I pray we never find ourselves back in the credit card mess we were in. But if for some emergency we do, I will have the tools ZilchWorks taught me to get us out of it!

Lovina Penry - California

I found myself in the predicament of high credit balances. I heard the ads on the radio and TV about debt counselors, and credit counseling companies. I did not feel safe, or comfortable about contacting these strangers and trusting them with all my information.

I did not have the time to go through their process and was suspicious of the true cost of their assistance. Then I found out about ZilchWorks, ordered it, installed it and realized that with this tool I could be my own debt counselor!

This program is so easy to use and does what all the other companies want to charge you for. I was able to work out my payment plan in the privacy of my home. ZilchWorks showed me exactly what to do to reduce my debt as quickly as possible. I am gaining back my financial freedom with ZilchWorks. Thank you Michael for creating this wonderful program.

Kathy McClain, Ed.S. Career Educator - Michigan
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Why ZilchWorks

Why not ZilchWorks.