Your key to financial success... Focus on one debt at a time!
You simply enter the Creditor Name, Annual Percentage Rate, Current Balance, and Monthly Payment for each of your credit cards and loans. Our debt reduction software does the rest for you.
With the push of a button you instantly create your very own personalized, debt repayment plan. Your plan shows you exactly how much to pay each creditor every single month. No more guessing who you should pay first. No more trying to figuring out the best way to use your hard-earned money to pay off your debt. Our debt reduction software does all of that for you.
Would you like to be out of debt in 18-24 months?
Our Zilch Standard software takes all of the details about your debts such as:
- interest rates
- currents payments
- outstanding balances
Do you want to save a ton of money in credit card finance charges?
Our debt deduction software analyzes your debts, determines the most efficient way to pay them off, and produces a personalized debt repayment plan that saves you a ton of money. By following your personalized debt repayment plan you will save thousands of dollars in interest penalties.
This is real, hard-earned money. This is your money. This is money you are currently giving away to creditors for no reason.
Pledge Money is the extra money (if any) you can apply toward your debt repayment plan each and every month. The more Pledge Money you use, the faster you will get out of debt and the more you will save in unpaid interest penalties.
While adding Pledge Money does make a difference, it is not necessary for you to have any extra money to make this program work for you.
Would you like a renewed sense of hope and excitement?
Because you instantly see your actual debt-free date, there's a wonderful feeling of hope that comes over you. Hope that immediately turns into belief. A belief that's strong. Why is that belief so strong, because there really is a light at the end of the tunnel. You can see it. You believe it. You know you will get out of debt soon. Now that's exciting.
- You have a plan to get out of debt on a specified date
- You know how much to pay every single creditor each month
- You will make it happen
Guaranteed assurance of absolute and complete privacy!
Your personal and financial information are never shared with anyone! That's right. You purchase our debt reduction software and download it to your computer. What you do with our software from that point on is entirely up to you.
- No communication goes back and forth across the internet
- No one will ask you for information
- No one sees your financial data unless you give it to them
Finally, you can take advantage of trade secrets used by many expert financial counselors in the privacy and comfort of your own home.
❝I realized that with this tool 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.Kathy McClain, Ed.S. Career Educator - Michigan
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.
zilchworks.com is owned and operated by Michael J. Riley, a retired United States Marine Corps Gunnery Sergeant. Riley's easy to use Zilch software has been helping people get themselves out of debt since 1991.