ABOUT US: The ZilchWorks Story

In the Summer of 1986 a friend of mine showed me a magazine article on "How to quickly pay off debts". He knew I had a computer (Tandy 1000 SX) and asked me to help him build a payment plan just like the one described in the magazine. I used a spreadsheet program to calculate how to pay off all twenty-one of his debts. It took over 5 hours to manually figure it out. I remember thinking this was a good idea but not worth that much time.

USMC Gunnery Sergeant Chevron

Mike (Gunny) Riley - The Zilch Guy

Since 1991 I've been helping people just like you change their lives one debt at a time. Debt is a really difficult topic to talk about. Just the mention or thought of debt can stir up all kinds of emmotions and weird thoughts.

First things first. If you are looking for a quick fix that simply makes all your debts go away... stop. Just stop looking. There isn't one.

There are tons of scams going on out there. People in debt are vulnerable and scam artists know this. They are constantly trying to sell you a magic wand that simply makes your debt go away. A magic wand that does'nt exist. Check out the FTC's website and see for yourself what scams are out there. (FTC Debt Scams)

Fact: geting out of debt is a hard, difficult climb. A climb you can make. I will show you how to make that climb in the fastest way possible. I will show you how to beat the credit card companies at their own game. So, roll up your sleeves, strap on your pack, and lets get going.

Step 1: Start by downloading a copy of Credit Card Math. Credit Card Math goes behind the scenes and explains the true hidden costs associated with credit card debt. Credit Card Math is the starting point.

Step 2: Take a look at the one-minute overview of how my debt redection software works.

Step 3: Purchase your copy of my debt reduction software and get started today. If you had started using ZilchWorks three years ago you'd most likely be out of debt right now.

How ZilchWorks Got Started

In the Summer of 1986 a friend of mine showed me a magazine article on "How to quickly pay off debts". He knew I had a computer (Tandy 1000 SX) and asked me to help him build a payment plan just like the one described in the magazine. I used a spreadsheet program to calculate how to pay off all twenty-one of his debts. It took us over 5 hours to manually figure it out. I remember thinking this was a good idea but not worth that much time.

So, I spent the next three months designing a computer program that would duplicate the results obtained with the manual spreadsheet method. The program was very crude but it worked. At this point it didn't have a name I just referred to it as the "Payoff" program. This is what later became "ZilchWorks - Debt Reduction Software" and today is called "Zilch Standard".

I showed this program to a few friends and they weren't very impressed. So, I copied it to a floppy disk and tossed it in a drawer. It sat there for about 3 years until one day I was looking for a programming project. I decided to create a more sophisticated version of that old "Payoff" program. My hope was I could sell it to people who needed help getting out of debt.

I spent an entire year of evenings and weekends creating the first retail version of that program. In 1990, I began marketing my software known as "Zilch" through various shareware vendors. Other well-known shareware authors I got to know (actually, I picked their brains) told me not to expect any sales for six months to a year. Imagine my surprise when two months later I received my first order from Gifford Wherry of Kennewick, WA. I haven't looked back since.

USMC Gunnery Sergeant Chevron

ZilchWorks is owned and operated by Michael J. Riley, a retired United States Marine Corps Gunnery Sergeant.

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
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