Our software does one thing, and does it very well.

We will help you build a personalized
plan to get out of debt once and for all.


Build Your Own Step-By-Step Plan Today!

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!

We have a plan to get out of debt and so can you!

Take the Online Challenge
Check it out. Our CardCalc Wizard™ will calculate the true, hidden cost of credit card debt.

Example Debt Management Plan
Here is how you get out of debt. Look at this example, step by step debt management plan.

What Other People Say

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

Gerri Detweiler - Author of
The Ultimate Credit Handbook

Get out of Debt Secrets
That Save You $$$

Learn the facts about debt settlement & negotiation. Do it yourself, & save $1,000s!

Our Debt Reduction Software
Does One Thing, And Does It Very Well

Example Debt Management Plan
Example Debt Management Plan

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.

Back in 1991, we were the first company to come out with a software product for creating a personalized, step by step, get out of debt payment plan. We have remained focused on our goal of producing a product that does one thing very well.

Because our product has a single focus, you get in and get out quickly. You can produce the results you want fast and easy without having to perform a lot of extra steps.

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.

Gerri Detweiler  -   Author of "Slash Your Debt"

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

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

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.

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.

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.

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!"

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

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.

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."

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."

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?

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)