1. A bill-paying service method, comprising: enrolling a subscriber who is a debtor to a first creditor and who has authorized debits to be taken from a designated account, the designated account adapted to periodically receive a payroll deposit on a first regular schedule that is over time in excess of a minimum payment on a first debt owed by the debtor to the first creditor; periodically debiting the designated account and using any funds obtained to credit a custody account; and paying the first creditor on behalf of the debtor from the custody account, wherein the paying occurs on a second regular schedule that differs from the first regular schedule, and wherein the paying is in an amount calculated for an accelerated repayment of the first debt.