For Immediate Release (May 28, 2015)

Contact: Michael Riley,

Updated Credit Card Management eBook from Respected Debt Management Software Company

(Cape Cod, Massachusetts) ZilchWorks, a debt management software developer since 1990, has released an updated version of its Credit Card Math eBook. Credit Card Math is an easy-to-use guide to understanding and managing credit card debt. ZilchWorks has found that customers who follow the eBook's straightforward advice have reduced their long-term interest payments by 55 to 65 percent.

"There is no quick fix that will make credit card debt go away," explains Michael J. Riley, the retired United States Marine Corps Gunnery Sergeant who owns and operates ZilchWorks. "Getting out of debt is a difficult climb. Credit Card Math provides a no-nonsense road map showing consumers how to get their credit card debt under control."

Credit Card Math reveals the hidden costs associated with credit card debt. The eBook defines all of the terms and concepts that users need to know. And it illustrates why sending the credit card company the minimum payment each month is an ill-advised technique that squanders money. The eBook presents facts in a systematic, unbiased way. Without this information, consumers are going to send the credit card companies much more money than they need to.

Credit Card Math explains why it takes so long to pay off credit card debt. It delivers strategies to save thousands of dollars in credit card interest. The eBook points out common credit card traps such as skipping payments, and delivers simple, practical advice for avoiding them. Readers will learn the value of adding a fixed amount of money to each payment, as well as ways to manage multiple credit cards.

The Credit Card Math eBook runs on Windows XP/Vista/7/8/8.1/10, costs $19.95(US) for a single-user license, and includes eight information-rich chapters plus a credit score calculator, a minimum payment calculator, and a 10-20-70 budget framework. At no cost, the first four chapters plus the calculators and 10-20-70 budget information can be downloaded from the ZilchWorks website. For more information, visit

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Editorial Evaluation Copy Available on Request

About ZilchWorks:

Since 1990, ZilchWorks has been developing software and ebooks that teach the payment snowball method for eliminating credit card debt. In addition to Credit Card Math, the company also offers Zilch Standard, an affordable Windows application that creates custom debt management plans. ZilchWorks' free Minimum Payment Calculator program illustrates debt reduction that occurs when adding additional fixed payments to each month's minimum payment amount. It allows users to create "what if" scenarios for reducing their loan balances. The company also offers Debt Manager Professional, a powerful application for financial counselors that makes it easy to work with clients to develop custom debt management plans.

For more information about all of the company's debt reduction tools, visit


Why ZilchWorks

We believe you need to be careful how and with whom you share your financial data. Our software never shares your financial information with anyone.