Step 1: Make a List of All Your Debts

Use the built-in data entry worksheet to make a list of all your debts. When filling out the worksheet don't spend time trying to prioritize your debts. Our software will put them in the right order for you.

Video: Payment Plan Options

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Requires Microsoft Windows

Step 1 - Make a List

Believe or not, this is the hardest step in the whole process. Why? Because it makes you take action. It makes you look at your debts. It makes you look at how much money you owe. This may be something you have wanted to do for a long time but kept putting off. That's why this is the hardest part.

Important: When you write down your debts don't try and prioritize the pay off order our software will do this for you. just concentrate on finding your debts and getting them listed on the worksheet.

File > Print WorkSheet...

 

Completed Example:
Here is an example of a completed data entry worksheet with 5 credit cards and 1 loan.

( ZilchWorks Data Entry Worksheet )

DOWNLOAD BUY NOW $39.95 WHAT PEOPLE SAY VIDEOS

❝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.

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.

Robert Gardner - Georgia

USMC Gunnery Sergeant Chevron

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.

"Zilch does one thing and does it very well. It gets you out of debt."

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.

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.

Robert Gardner - Georgia
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Why ZilchWorks

We believe you can get out of debt by yourself. All you need is a little help setting up a payment plan.