Jack Germain, Software Reviewer - New York

“To make sure this wasn't just computer wizardry, I printed the reports and asked a financial consultant to check them for accuracy. He got very similar bottom lines but it took him considerably longer to do the figuring using his computer spreadsheet.”

ZilchWorks - Learn More

How Zilch Works

A one minute overview on using our debt reduction software.

What Is A Payment Snowball?

The concept of a payment snowball is both complicated and simple at the same time. This 1 minute video explains how you slowly build momentum one debt at a time until it turns into a powerful payment snowball.

7 Debt-Reduction Strategies - Which One Works Best for You?

Discover 7 debt-reduction strategies, and a step-by step guide to reduce your interest penalties and get out of debt 55 to 65% faster.

How Bad Is Your Debt?

Our CardCalc Wizard calculator will show you the true cost of making only the minimum monthly payment.

How to Choose Your Debt Free Date

Watch this two minute video and see how easy ZilchWorks makes it for you to pick your own debt-free date.

❝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!

Lovina Penry - California

I am really impressed with your software program. It's simply wonderful. Thank you.

John Barrientes - Bloomington, Illinois
See all testimonials

Why ZilchWorks

We offer you a simple and effective alternative to bankruptcy.