And I appreciate the response.
I guess that I take the context of the debt part of this forum a little more literally than the other areas, as it is where I post most often. I was only referring to your post here as an advertisement :) Understand that a lot of people join forums to post "hey check out my site." Which, considering your post count, is not your intention so I do apologize if that was unclear or an unwarranted statement.
I was merely suggesting that most people who had delinquent debts don't have as much ability to use their mortgage. Either due to lack of equity, or poor credit. Which can sometimes lead them to take high interest second mortgages that don't benefit them at all.
If one were to use the outlined strategy while just meeting minimal payments on higher interest debts then yes I would agree that your article outlines the benefits.