How ZilchWorks Got Started
In the Summer of 1986 a friend of mine showed me a magazine article on "How to quickly pay off debts". He knew I had a computer (Tandy 1000 SX) and asked me to help him build a payment plan just like the one described in the magazine. I used a spreadsheet program to calculate how to pay off all twenty-one of his debts. It took over 5 hours to manually figure it out. I remember thinking this was a good idea but not worth that much time.
So, I spent the next three months designing a computer program that would duplicate the results obtained with the manual spreadsheet method. The program was very crude but it worked. At this point it didn't have a name I just referred to it as the "payoff program".
I showed this program to a few friends and they weren't very impressed. So, I copied it to a floppy disk and tossed it in a drawer. It sat there for about 3 years until one day I was looking for a programming project. I decided to create a more sophisticated version of that old "payoff program". My hope was I could sell it to people who needed help getting out of debt.
I spent an entire year of evenings and weekends creating the first retail version of that program. In 1990, I began marketing my software known as "Zilch" through various shareware vendors. Other well-known shareware authors told me not to expect any sales for at least six months to a year. Imagine my surprise when two months later I received my first order from Gifford Wherry of Kennewick, WA. I haven't looked back since.
Since 1991 I've been helping people just like you change their lives one debt at a time.
Geting out of debt is a hard, difficult climb. A climb you can make. I will show you how to make that climb in the fastest way possible. So, roll up your sleeves, strap on your pack, and lets get going. Check out my We Believe page.
As Seen on Good Morning America
ZilchWorks was proudly featured on Good Morning America as one of the best apps for getting out of debt. This national spotlight highlights Riley's commitment to helping individuals and families achieve financial freedom faster and more effectively.
In the segment, ZilchWorks was praised for its simple yet powerful tools that help users create personalized debt repayment plans. With ZilchWorks, you can save on interest payments, pay off debt in as little as 18-24 months, and take control of your financial future.
❝ZilchWorks showed me exactly what to do to reduce my debt as quickly as possible. I am gaining back my financial freedom.❞
I found myself in the predicament of high credit balances. I heard the ads on the radio and TV about debt counselors, and credit counseling companies. I did not feel safe, or comfortable about contacting these strangers and trusting them with all my information.
Kathy McClain, Ed.S. Career Educator - Michigan
I did not have the time to go through their process and was suspicious of the true cost of their assistance. Then I found out about ZilchWorks, ordered it, installed it and realized that with this tool I could be my own debt counselor and get out of debt fast!
This program is so easy to use and does what all the other companies want to charge you for. I was able to work out my payment plan in the privacy of my home. ZilchWorks showed me exactly what to do to reduce my debt as quickly as possible. I am gaining back my financial freedom with ZilchWorks. Thank you Michael for creating this wonderful program.