How ZilchWorks Got Started
In the Summer of 1986 a friend of mine showed me a magazine article on "How to quickly pay off debts". He knew I had a computer (Tandy 1000 SX) and asked me to help him build a payment plan just like the one described in the magazine. I used a spreadsheet program to calculate how to pay off all twenty-one of his debts. It took over 5 hours to manually figure it out. I remember thinking this was a good idea but not worth that much time.
So, I spent the next three months designing a computer program that would duplicate the results obtained with the manual spreadsheet method. The program was very crude but it worked. At this point it didn't have a name I just referred to it as the "payoff program".
I showed this program to a few friends and they weren't very impressed. So, I copied it to a floppy disk and tossed it in a drawer. It sat there for about 3 years until one day I was looking for a programming project. I decided to create a more sophisticated version of that old "payoff program". My hope was I could sell it to people who needed help getting out of debt.
I spent an entire year of evenings and weekends creating the first retail version of that program. In 1990, I began marketing my software known as "Zilch" through various shareware vendors. Other well-known shareware authors told me not to expect any sales for at least six months to a year. Imagine my surprise when two months later I received my first order from Gifford Wherry of Kennewick, WA. I haven't looked back since.
Michael Riley
Since 1991 I've been helping people just like you change their lives one debt at a time. Debt is a really difficult topic to talk about. Just the mention or thought of debt can stir up all kinds of emmotions.
Geting out of debt is a hard, difficult climb. A climb you can make. I will show you how to make that climb in the fastest way possible. I will show you how to beat the credit card companies at their own game. So, roll up your sleeves, strap on your pack, and lets get going.
❝It is almost laughable at how easy it is to get this paid off❞
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.
Robert Gardner - Georgia
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.