I dont think that I would ever use an online debt help. There are much better places locally that could give me better advice and answer my questions that i have immediatly <person to person>
But if you are a shy type of person or something then i guess that site does not look that bad and people could use it.
i don't think its that bad. it all depends on ones usage. I think you should spend it in proper limit as you are the only who have to pay all the bills later.