Alex S. - California

“Your program is great! I currently have eight loans out. If I just kept paying off my loans with the minimum payments, it would have taken me over nine and one-half years to pay them off. By using your program, I will completely payoff all eight loans in three years and one month. I will save over $4,700 in interest payments!”

Debt Reduction Software Helps You Pay Down Bills

Shelley Elmblad - June 29, 2016

If you carry balances on credit cards or have outstanding loans, and bills are catching up with you, you need a plan to pay those debts off. The debt reduction software listed here will help you...

Updated Credit Card Management eBook from Respected Debt Management Software Company

Press Release - May 28, 2015

ZilchWorks, a debt management software developer since 1990, has released an updated version of its Credit Card Math eBook. Credit Card Math is an easy-to-use guide to understanding and managing credit card debt. ZilchWorks has found that customers who follow the eBook's straightforward advice have reduced their long-term interest payments by...

3 Credit Card Math Mistakes That Are Costing You Money

Gerri Detweiler - March 02, 2015

Twenty years ago when Michael Riley first released his Credit Card Math tutorial, most people had no clue how interest on credit cards work. In fact, his revelations about how credit card interest and payment methods worked were considered so shocking...

Who Says Personal Finance Software is Dead?

Daniel Bortz - May 9, 2013

If you've fallen behind on payments on multiple credit cards, ZilchWorks can help you design a plan to pay off the debt. Gerri Detweiler, director of consumer education at Credit.com, says...

5 Ways to Get Out of Debt: Which Will Work for You?

01/02/3013

You've set your goal to get out of debt. Now you have to figure out how to achieve that goal. But with so many different experts touting different solutions, how do you pick the one that will work for you? Here are five...

Personal Finance Workbook For Dummies

Sheryl Garrett © 2012 (pg 78)

A great, low-cost tool that can help you quickly establish the most effective debt-reduction plan for your unique situation is available online at www.zilchworks.com. You can ...

Retirement Planning: Cut Your Debt Before You Quit

CBS MoneyWatch.com - Mark Miller - Jan 28, 2010

The free Credit Card Math calculator at ZilchWorks, a handy tool, can show you how to develop a rapid debt reduction plan to rid yourself of the plastic albatross.

DebtGoal is Way Too Expensive to Justify. Walk on By.

GetOutOfDebt.org - Steve Rhode - Mar 25, 2010

What concerns me is that all of the features of creating a personalized plan to get out of debt in the fastest time and save the most amount of money doing it can be achieved with ZilchWorks that only costs a one-time fee of $39.95.

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.

Beverly Taylor, LOL Financial Services - Plantersville, Texas
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Why ZilchWorks

We offer you a simple and effective alternative to bankruptcy.