Michael Riley

Have you ever tried to figure out your credit card minimum payment using your cardholder agreement? It’s like reading a foreign language. The wording is slick, the formulas are buried, and the design is intentional. It’s not your fault if you don’t understand it — it was written to confuse, not to clarify. Here’s how … Read more

I’ve heard it said that if you don’t tell your story, you may not like the story that’s been told. For more than three decades, Zilch debt reduction software has been one of the best kept secrets in the get-out-of-debt space. You can read the full story of how it all began on our About … Read more

This is a reverse poem about debt — a piece you can read top to bottom in despair, and then bottom to top for hope 💬 The Poem I’m deeply stuck in credit card debt.So don’t try to convince meI will rise above these bills.Because at the end of the day,I see no relief from these … Read more