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. Your program gave me EXACTLY what I was looking for. Thanks!! This has been $40 well spent.”

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Get instant feedback on the true cost of your credit cards. Our free Minimum Payment Calculator features slider bars that let you play out multiple "what-ifs" in a fraction of a second.

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❝I want to give a 5 star endorsement of Mike Riley and his software program❞

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

Dave Falvey, Esq. - Groton, Connecticut

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.

Jack Germain, Software Reviewer - New York
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Why ZilchWorks

Our software does one thing, and does it very well. We help you get out of debt.