Our debt reduction software does one thing, and does it very well

Become your own debt management counselor and get out of debt today!

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The Best $40 You'll Ever Spend On Debt - Guaranteed!

Get out of Debt with
Zilch Standard $39.95

Create your own step by step, debt management plan today. Just fill in the blanks and push a button. Easy to use.
 Download  Buy Now
 Requires Microsoft Windows
Help Clients Get out of Debt
with Debt Manager Pro $249.95

Create stunning, high quality debt management plans for your clients. These personalized reports are easy to understand.
 Download  Buy Now
 Requires Microsoft Windows
Credit Card Math 10th Anniversary Edition
A free debt management tool chock full of financial advice to help you get out of debt.
 Download
 Requires Microsoft Windows
We have a plan to get out of debt and so can you!
How it works?
These 5 simple steps guarantee you will get out of debt.
How Bad Is Your Credit Card Debt? Find Out Right Here!
Our CardCalc Wizard™ will show you the true, hidden
cost of your credit card debt.
Free Credit Score Calculator
Do you know your credit score? Our free credit score simulator will give you a good idea of your credit score. Check it out.
Pick Your Own Debt Free Date!
Wouldn't it be great if you could be debt free by a certain date. Our Dial-a-Date feature lets you do just that.

Which would you rather be?

Our Debt Reduction Software Does One Thing,
And Does It Very Well - It Gets You Out Of Debt

We have helped thousands of people just like you, get out of debt. Our debt reduction software does one thing and does it very well.

We focus on helping you build a step by step, get out of debt payment plan that is custom tailored to your specific financial situation. It is not just some added on feature that’s been thrown into a financial application to boost the price. We have remained focused on our goal of producing a product that does one thing very well.

Our debt reduction software is powerful. It's easy to use. It will help you get out of debt. And best of all, you do it yourself in the privacy and comfort of your own home.

Just Fill in the Blanks, and Push a Button

You simply fill in the blanks and push a button. Our debt reduction software does the rest. You will create your very own personalized, get out of debt payment plan that shows you exactly how much to pay each creditor each month. It's that easy.

If You Had Discoverd This Website Three Years Ago,
Chances Are... You'd Be Out Of Debt Right Now!

Take that first step... you have nothing to lose. Download a free trial of our debt reduction software right now. There's even a 30 day money back guarantee. What are you waiting for... 3 more years to go by wishing you had done something?

Lovina Penry  -  California
"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!"
Sabreina Johnson  -  North Carolina

"I am very impressed with your software. I did not want to go through credit counseling and have it look bad on my credit report, but I needed someone to tell me who and how much to pay each month.

Your software does just what I needed. I love it. Thanks again."
Kathy McClain  -  Michigan
Ed.S. Career Educator
"I realized I could be my own debt counselor!"
"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."
Gerri Detweiler  -  Florida
Author of "Slash Your Debt"


"This is one of the most powerful tools available for helping you get out of debt."

Would You Like To Save Money?

By following your personalized get out of debt payment plan, you will save thousands of dollars in interest penalties you would have otherwise paid to creditors.

Would You Like A Renewed Sense Of Hope?
How About Feeling Excited Again?

Because you can see the actual date you will be debt free, there is a tremendous feeling of hope. Hope turns into belief because there really is an end to your debt burden. You know you will get out of debt soon. Now that's exciting.

  • You have a plan.
  • You can see it.
  • You will make it happen.

Would You Like Financial Peace Of Mind?

You will experience financial peace of mind and a sense of accomplishment as you watch your debts shrink and your accounts get paid off.

Robert Gardner  -  Georgia

"After being trapped by the vultures in the credit card industry, I followed your advice and have started to make progress paying off my debts. I never knew about the ways these vicious companies keep a consumer paying for years and years. You have really opened my eyes to this problem."

I have followed your advice for 15 months. My minimums are so low its shocking but I keep making the amount I set up. It is almost laughable at how easy it is to get this paid off but without your help, I never would have been able to do this. Thanks again Mike. Keep doing what you're doing. And I hope you get rich and famous and live a fantastic life."
Gladys Terrell  -  Illinois

"I am so excited to have your package! I was just recently calling my creditors trying to get an idea of how long it would take me to payoff my bills at the rate I was going. They weren't very helpful."
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!"
Michael,

I was looking through my cancelled checks to shred old records and found a check to you for Zilch on 10/3/1999 for $34.00. Money well spent.

Thank you. Your program accelerated my debt reduction. Shortly after I started, I was eligible to buy a house and have almost never carried a balance into the next month.

Thanks again.

Rodney Nibbe  -  Minnesota

(I received this on 03/26/2012 - That's 12½ years later!)
Example Debt Management Plan

( Screen Shots: click on images to enlarge )
Main screen
Main Screen
Payment Schedule
Payment Schedule
Price Range Calculator
Price Range Calculator

Example Debt Management Plan
Download   Buy Now   Top of Page
 Requires Microsoft Windows

30-Day, Money-Back Guarantee
If you are not satisfied for any reason within 30 days of purchasing this software, I will refund your money.


Michael J. Riley
ZilchWorks
GySgt USMC (Retired)

 



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