Right. I use RFZ and I assume only people who are current and can afford making more than minimum payments can take full advantage of RFZ.

Also, it currently focuses on getting rid of Credit Card debt, using a high-interest-first strategy.

And speaking of RFZ, I had to log on to RFZ in order to fill out my cc debts on Debteye[1], whereas on RFZ I just gave them my login information and they "figured" it all out. :D

[1] I even filled in my, shudder, SSN on debteye.