Don M. - Evergreen Park, Illinois

“I love this program. I'm going to tell my brother about you. I'm also going to tell my kids to get a copy. Thank you.”

Zilch Standard - Debt Reduction Software

Pay Off Credit Card Debt With No Loans!

Zilch Standard grabs all of the details about your debts, interest rates, current payments, outstanding balances, etc... and instantly turns the whole thing into a month-by-month debt management plan.

You'll get your very own personalized, debt management plan that shows you exactly how much to pay every single creditor each month. No more guessing who to pay first. No more figuring out the best way to utilize your hard-earned money. We do all of that for you.

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Debt Manager Professional

Create Debt Management Plans in 10 Minutes or Less

Spend more time with your clients and less time building reports for them. You'll create stunning, easy to understand debt management plans in less than ten minutes. You will be totally amazed how quickly your customers just simply "get it"

Debt Manager Professional is the perfect tool for financial counselors and those who feel compelled to offer financial help to others.

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Credit Card Math

Avoid Costly Credit Card Mistakes Forever!

Credit Card Math goes behind the scenes and reveals the true hidden costs associated with credit card debt. It teaches you how to get out of debt fast, save money and beat credit card issuers at their own game.

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Minimum Payment Calculator FREE

Calculate the True Cost of Credit Card Debt

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
HOW ZILCH WORKS
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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
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Why ZilchWorks

We believe that being in debt sucks and we want to help you get out of debt as fast as possible.

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