Wipe out your credit card debt and save thousands in interest penalties.

Just fill in the blanks and push a button. We turn the information about your debts into a step-by-step payment plan that gets you out of debt. You'll save a ton of money and get out of debt fast.

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The Payment Snowball Secret

You can get out of debt faster than you thought possible using the science behind a snowball. The secret of how a payment snowball works is explained in this one minute video.


The Concept of Payment Snowballing:

Payment Snowballing can best be explained using a pie chart that represents debts. The size of this pie chart reflects the total amount of money being paid each month.

To get started: Assign a payoff priority to each debt. Make a commitment to pay each creditor the same amount each and every month. This is called a constant payment.

Look what happens when the debt with the highest priority (number one) is paid off. The payment that was going to priority number one is now added to the payment of priority number two. This is where the payment snowball begins. Increasing payment number two will shorten the payoff time and reduce the amount of interest being paid.

Look what happens when the debt with the second highest priority (number two) is paid off. The payments that were going to priority number one and number two are now added to the payment of priority number 3. The payment snowball is gaining momentum.

At this point priority number three will get paid off much quicker and a lot of money will be saved in interest costs.

Look what happens when three debts are paid off. All the payments that were going to paid off debts have been added to the payment of priority number four. The payment snowball now has tremendous power. Priority number four will get paid off very fast and a huge amount of money will be saved in interest costs.

Look what happens when there is only one debt remaining. All the money is now going to pay off the last debt. This is incredibly powerful. The payment snowball is at its absolute strongest. Priority number five will be paid off in record time. From this point on the maximum amount of savings in interest will be achieved.

❝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

Dave Falvey, Esq. - Groton, Connecticut
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Requires Microsoft Windows

USMC Gunnery Sergeant Chevron 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."

This is one of the most powerful tools available for helping you get out of debt.

Gerri Detweiler, Author of The Ultimate Credit Handbook
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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.