Should I refinance my 30 yr fixed mortgage?

first rule don't do refinance on the phone .i would take the 15 year only if they agreed to pay off all debts and i would ask for a simple interest bi-weekly.the interest should decrease dramatically why pay a 32 year mortgage when you can pay a 15 year the payments may be a little high but if it gets you out of the mortgage sooner it s good email any questions to me.