When you're in debt and you fell like you can never get ahead, that sucks. If you are trying to go to sleep and you can't because you're worrying about how to pay all those bills. Well, that sucks too. It also sucks when you'd liked to get away on a spur-of-the-moment weekend getaway but you can't because you don't have the money.

If you think about all the times you completed a task or project successfully you probably had a plan. And if you think about all the times your tasks or projects didn't go so well you probably didn't have a plan. You sort of just winged it. Getting out of debt is no different. It requires a plan if you want to be successful. Nothing too fancy or complicated just a systematic roadmap of who to pay, how much to pay, and when to pay.

Bankruptcy is a scary thing. Bankruptcy is also something you most likely aren't going to attempt on your own. If you have enough money to make your monthly payments, we can help you put a payment plan together. It's really not that difficult. The hardest part is getting started. Just being here reading this signifies you are ready to start. What are you waiting for?

Today's world is full of scams. The worst scams out there prey on vulnerable people such as the elderly, and those with debt. How do you know if the websites, phone calls, or tv commercials are real or fake? You don't. If the wrong people get ahold of your personal information it can have long-lasting devistating effects. Be careful out there.

It's hard to beleive that we've been doing this for 29 years. Our first customer was Mr. Gifford Wherry back in 1992. Don't just take our word for it, have a look at the comments from some of our customers. (See all testimonials)

Since day one we have focused on creating the best software for helping people get out of debt. We were the first debt reduction software of it's kind. I remember how nervous I was when Quicken announced it was adding a debt reduction module to it's advanced version of QuickBooks. A couple days later a customer bought my software because Quicken was to much of a burden to use. They liked my software better because you can get in and get out quickly.

Says it all, doesn't it. We wouldn't be here for 29 years, especially in the software industry if we weren't doing something right. Food for Thought: If you had found ZilchWorks 3 years ago you'd probably be out of debt right now.

You don't need any special computer skills or financial training to use and understand our software. Our debt reduction software let's you take advantage of trade secrets used by many expert financial counselors at a fraction of the cost. The hardest part is getting started and filling out the data entry worksheet.

We offer you a safe, simple, and effective solution. Your personal and financial information are never shared with anyone. You purchase our software and download it to your computer. No communication goes back and forth across the internet. No one will ask you for information. No one sees your financial data unless you give it to them.

You just fill in the blanks and push a button. You simply enter the Creditor Name, Annual Percentage Rate, Current Balance, and Monthly Payment for each of your credit cards and loans and our ZilchWorks software instantly turns it all into a step-by-step monthly debt management plan.

There are tons of ads out there claiming they can reduce or eliminate your debt. All it takes is a phone call. Be careful. If getting out of debt was as easy as they say, everyone would be out of debt. Visit the FTC's website and read for yourself what scams are out there. (FTC Debt Scams)