Gladys Terrell - Illinois

“I am so excited to have your package! I was just recently calling my creditors trying to get an idea of how long it would take me to payoff my bills at the rate I was going. They weren't very helpful. Your program gave me EXACTLY what I was looking for. Thanks!! This has been $40 well spent.”

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.

❝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

To make sure this wasn't just computer wizardry, I printed the reports and asked a financial consultant to check them for accuracy.

He got very similar bottom lines but it took him considerably longer to do the figuring using his computer spreadsheet.

Jack Germain, Software Reviewer - New York
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Why ZilchWorks

Our software does one thing, and does it very well. We help you get out of debt.