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.

❝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
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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."

I have been using your software with great success. It has really opened my clients eyes to the savings they can reap when they follow the payoff plan. They all say it is so easy to do.

Beverly Taylor, LOL Financial Services - Plantersville, Texas
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Why ZilchWorks

We offer you a simple and effective alternative to bankruptcy.