How Do We Compare?

	Credit Counseling	Refinancing	Bi-Weekly Mortgage
Eliminates Secured Debt	No	No	No	Yes
Eliminates Unsecured Debt	Yes	No	No	Yes
Payment Acceleration	No	No	No	Yes
Cash Flow Tracking	No	No	No	Yes
Improves Credit Scores	No	No	No	Yes
Provides Education	Yes	No	No	Yes
Designed for Families Who Cannot Make Their Payments	Yes	No	No	No
Requires You to Pay Extra Half Months Bills, Twice a Year	No	No	Yes	No
Monthly Bill Pay	Only On Unsecured Debt	No	No	Yes
Help renters	Yes	No	No	Yes
Charge Up-Fron Fees	Yes	Yes	Yes	No
Can Put You Further In Debt	Yes	Yes	No	No
Cancel Anytime Without Paying Up-Front Fees	No	No	No	Yes