GET OUT OF DEBT TODAY

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.

Simple Safe Effective

Requires Microsoft Windows

12 Reasons why Zilch is the best tool for getting out of debt.

Reason 1

We believe that being in debt sucks and we want to help you get out of debt as fast as possible.


Reason 2

We believe you can get out of debt by yourself. All you need is a little help setting up a payment plan.


Reason 3

We offer you a simple and effective alternative to bankruptcy.


Reason 4

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.


Reason 5

We believe you need to watch out for what we call "Debt Sharks". These are companies that prey upon people in debt because they know how vulnerable debt-ridden people can be.


Reason 6

We've been helping people just like you get out of debt since 1992. Our methods are successful and have been time-tested.


Reason 7

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


Reason 8

Why not ZilchWorks.


Reason 9

Our software is easy to use. There is no special skill, knowledge, or expertise required.


Reason 10

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.


Reason 11

If you can fill out a check, you can use our software. It really is that simple.


Reason 12

Deep down you know there really is no magic fix to your debt solution. We are here to help you make that uphill climb with debt repayment strategies that work.

❝You'd think someone with a Finance degree would be able to avoid debt❞

You'd think someone with a Finance degree would be able to avoid debt, but my husband and I hadn't avoided it. I had quit working to raise our family, and two of our children had major medical bills. We found ourselves in over $80,000 of mostly unsecured debt. I was desperate when I found ZilchWorks. Your software was like a ray of light shining in on our dark situation.

When I SAW, that we could be debt free by 2011, even though that was years away, it was just the motivation I needed. The printed reports have been vital in our success. They keep me on track when I am tempted to spend money I shouldn't be. I keep them handy so I can glance at them and remind myself where we are headed. The idea that we will have financial freedom THIS YEAR is exhilarating!

I now have the desire to help others get out of their debt situations, so I am happy to tell the world that ZilchWorks can get you there. And by the way, this is a “paid” testimony... we've been “paid” all the interest that would have been shelled out to lenders had I not found this program.

I pray we never find ourselves back in the credit card mess we were in. But if for some emergency we do, I will have the tools ZilchWorks taught me to get us out of it!

Lovina Penry - California
Buy Now Try Now How it Works?
Requires Microsoft Windows

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."

You'd think someone with a Finance degree would be able to avoid debt, but my husband and I hadn't avoided it. I had quit working to raise our family, and two of our children had major medical bills. We found ourselves in over $80,000 of mostly unsecured debt. I was desperate when I found ZilchWorks. Your software was like a ray of light shining in on our dark situation.

When I SAW, that we could be debt free by 2011, even though that was years away, it was just the motivation I needed. The printed reports have been vital in our success. They keep me on track when I am tempted to spend money I shouldn't be. I keep them handy so I can glance at them and remind myself where we are headed. The idea that we will have financial freedom THIS YEAR is exhilarating!

I now have the desire to help others get out of their debt situations, so I am happy to tell the world that ZilchWorks can get you there. And by the way, this is a “paid” testimony... we've been “paid” all the interest that would have been shelled out to lenders had I not found this program.

I pray we never find ourselves back in the credit card mess we were in. But if for some emergency we do, I will have the tools ZilchWorks taught me to get us out of it!

Lovina Penry - California
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