Linda Williams - North Carolina

“Excellent program. You are a genius!. Good work. I love it.”

ZilchWorks - Learn More

How Zilch Works

A one minute overview on using our debt reduction software.

What Is A Payment Snowball?

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.

7 Debt-Reduction Strategies - Which One Works Best for You?

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.

How Bad Is Your Debt?

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

How to Choose Your Debt Free Date

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

❝I want to give a 5 star endorsement of Mike Riley and his software program❞

I want to give a 5 star endorsement of Mike Riley and his software program 'ZilchWorks'. I have known Mike for many years and I have found that in all of our transactions he has been highly ethical and extremely intelligent. I purchased the software program 'Zilch' many years ago and it has been a solid program and does an excellent job in presently the most intelligent plan anyone has ever devised for paying off credit card debt.

And I know that Mike got his experience in developing his program from volunteering and helping people. That's one of the reasons his program is so affordable. I give Mike an unqualified endorsement as being highly ethical, intelligent and concerned for the welfare of others.

I'm a bankruptcy attorney and have been in practice for over 27 years and there are very few people to whom I have ever given a 5 star rating and Mike is one of them. And in order to allow you to verify this '5 Star Rating', I'm providing my contact information as follows:

Dave Falvey, Esq.
258 Route 12
Groton, CT 06340
Tele (860) 449-1510
Email: dave@actionadvocacy.com

Dave Falvey, Esq. - Groton, Connecticut

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."

I have been looking for a program like this for 3 years! This is perfect. It is exactly what we've been needing! Thank you!

Barbara P. - Florida
See all testimonials

Why ZilchWorks

Dealing with debt can be very embarrassing and stressful. We help you put together a step-by-step repayment plan in the privacy and comfort of your own home.