A one minute overview on using our debt reduction software.

The concept of a payment snowball is both complicated and simple at the same time. This 1 minute video explains how you slowly build momentum one debt at a time until it turns into a powerful payment snowball.

Discover 7 debt-reduction strategies, and a step-by step guide to reduce your interest penalties and get out of debt 55 to 65% faster.

Our CardCalc Wizard calculator will show you the true cost of making only the minimum monthly payment.

Watch this two minute video and see how easy ZilchWorks makes it for you to pick your own debt-free date.

❝Shortly after I started using Zilch I was eligible to buy a house❞

I was looking through my cancelled checks to shred old records and found a check to you for Zilch written on 10/3/1999 for $34.00. Money well spent.

Thank you. Your program accelerated my debt reduction. Shortly after I started using Zilch I was eligible to buy a house and have almost never carried a balance into the next month.

Thanks again.

Rodney Nibbe - Minnesota