ZilchWorks Debt Reduction Software Home You will be totally amazed how quickly and easily your customers just simply "get it".
Debt Manager Professional lets you spend more time with your customer and less time on reports.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy


Create Debt Management Plans in 10 Minutes or Less

Debt Manager Professional handles all the tedious financial calculations and lets you focus on your customer. You'll spend less time gathering information and creating reports and more time attending to your client and her needs.

Instant WOW Factor!

Create easy to understand debt management plans in less than ten minutes. You'll be totally amazed how quickly your clients just "get it".
It's almost magic...

  • You show the results
  • The light goes on
  • Bingo, your client gets it

Beverly Taylor  -  LOL Financial Services - Plantersville, Texas

"I have been using your software with great success. It has really opened my clients eyes to the savings they can reap when they follow the payoff plan. They all say it is so easy to do."

Perfect Tool For Financial Counselors

Debt Manager Professional is the perfect tool for financial counselors, pastors, and those who feel compelled to offer financial help to others. Don't let your clients go somewhere else looking for debt help. Give them the peace of mind they want. Order Debt Manager Professional today for only $249.95.

(Click on the below images to see them fullsize)

Payoff Summary

Report Builder

Debt to Wealth
Dave Falvey, Esq.  -  Groton, CT

I want to give a 5 star endorsement of Mike Riley and his software program 'ZilchWorks'. I have known Mike for many years and I have found that in all of our transactions he has been highly ethical and extremely intelligent. I purchased the software program 'Zilch' many years ago and it has been a solid program and does an excellent job in presently the most intelligent plan anyone has ever devised for paying off credit card debt.

And I know that Mike got his experience in developing his program from volunteering and helping people. That's one of the reasons his program is so affordable. I give Mike an unqualified endorsement as being highly ethical, intelligent and concerned for the welfare of others.

I'm a bankruptcy attorney and have been in practice for over 27 years and there are very few people to whom I have ever given a 5 star rating and Mike is one of them. And in order to allow you to verify this '5 Star Rating', I'm providing my contact information as follows:

Dave Falvey, Esq.
258 Route 12
Groton, CT 06340
Tele (860) 449-1510
Email: dave@actionadvocacy.com
Tell a Friend  Why ZilchWorks

Deep down you know there really is no magic fix to your debt solution. We are here to help you make that uphill climb with debt repayment strategies that work.

See all the reasons why ZilchWorks

Order  Order

Ordering is fast, easy, and secure. Upon receipt of payment, you receive an instant download. This means you can begin using Debt Manager Professional right away. Every Debt Manager Professional purchase includes a 30-day money-back guarantee.

Buy Now ($249.95)

Free Trial  Free Trial

You can download a free trial of Debt Manager Professional and evaluate the product befor your purchase.

Download Now

Free Trial  Operating Systems

Microsoft Windows

From Our Customers  From Our Customers

I build custom countertops for a living. I used 17 credit cards to open my business. I'm very excited to get to work paying off my debt. Thank you very much.

Fernando Albuquerque Jr.
Toms River, NJ

See all cutomer testimonials

ZilchWorks helps people get out of debt. We have been teaching the payment snowball method for elliminating debt since 1990. Our most popular product, Credit Card Math™, is chock full of timeless, financial information. Credit Card Math™ first appeared in 1994 and continues to receive thousands of downloads from all over the world. Our Zilch Standard™ product is an easy to use, low cost solution that creates do-it-yourself debt management plans. Zilch Standard™ takes advantage of trade secrets used by many expert financial counselors. Our customers get out of debt 55% - 65% faster. ZilchWorks is owned and operated by Michael J. Riley, a retired United States Marine Corps Gunnery Sergeant.

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