The Tools of Debtors
compulsive debting begins when we stop incurring new, unsecured debt,
at a time. (Unsecured debt is any debt that is not backed up by some
form of collateral,
such as a house or other asset.) We attain a daily reprieve from
debting by practicing the Twelve Steps and by using the following tools.
We attend meetings at which we share our experience, strength and hope
another. Unless we give to newcomers what we have received from D.A.,
keep it ourselves.
2) Record Maintenance
We maintain records of our daily income and expenses, of our savings,
the retirement of any portions of our outstanding debts.
We have found it essential to our recovery to have a sponsor and to be
sponsor. A sponsor is a recovering debtor who guides us through the
Steps and shares his or her own experience, strength, and recovery.
4) Pressure Relief Groups and Pressure Relief Meetings
After we have gained some familiarity with the D.A. program, we
Pressure Relief Groups consisting of ourselves and two other recovering
who have not incurred unsecured debt for at least 90 days and who
more experience in the program. The group meets in a series of Pressure
Meetings to review our financial situation. These meetings typically
the formulation of a spending plan and an action plan.
5) Spending Plan
The spending plan puts our needs first and gives us clarity and balance
spending. It includes categories for income, spending, debt payment and
(to help us build cash reserves, however humble). The income plan helps
focus on increasing our income. The debt payment category guides us in
realistic payment arrangements without depriving ourselves. Savings can
prudent reserve, retirement and special purchases.
6) Action Plan
With the help of our Pressure Relief Group, we develop a list of
actions for resolving our debts, improving our financial situation, and
achieving our goals without incurring unsecured debt.
7) The Telephone and the Internet
We maintain frequent contact with other D.A. members by using the
e-mail, and other forms of communication. We make a point of talking to
D.A. members before and after taking difficult steps in our recovery.
8) D.A. and A.A. Literature
We study the literature of Debtors Anonymous and of Alcoholics
strengthen our understanding of compulsive disease and of recovery from
compulsive debting. In A.A. literature we can identify with many of the
situations described by substituting the words "compulsive debt" for
We maintain awareness of the danger of compulsive debt by taking note
loan company and credit card advertising and their effects on us. We
remain aware of our personal finances in order to avoid vagueness,
lead to compulsive debting or spending.
10) Business Meetings
We attend business meetings that are held monthly. Many of us have long
harbored feelings that "business" was not a part of our lives but for
others more qualified. Yet participation in running our own program
how our organization operates, and also helps us to become responsible
We perform service at every level: personal, meeting, Intergroup, and
Service. Service is vital to our recovery. Only through service can we
others what so generously has been given to us.
We practice anonymity, which allows us freedom of expression by
that what we say at meetings or to other DA members at any time will
© 2006 Debtors Anonymous General Service Board, Inc.
Registered D.A. groups have permission to copy these for
distribution to its
CAN I GET HELP?
Meeting List Hotline:
NJ / E.PA
PO Box 92088, Needham, MA 02492-0009
Way to Contact
is through email:
781-453-2743 Fax: 781-453-2743