Debtors Anonymous Group Fellowship
Tools of Debtors Anonymous
the magic word. We have found the following actions essential to our
We practice abstinence by not incurring unsecured debt one day at a time.
Unsecured debt is any debt that is not backed up by some form of
collateral, such as a car, house, etc.
We attend meetings at which we can share our experience, strength and hope
with one another. Unless we give to newcomers what we have received from
D.A. we cannot keep it ourselves.
We maintain records of our daily income and expenses and of the
retirement of any portions of our outstanding debts.
We practice anonymity, which allows us freedom of expression by assuring
us that what we say at meetings or to other D.A. members at any time will
not be repeated.
We maintain constant contact with other D.A. members by exchanging
telephone numbers. We make a point of talking to other D.A. members before
and after taking difficult steps in our recovery.
Relief Groups and Pressure Relief Meetings
After we have gained some familiarity with the D.A. program, we organize
Pressure Relief Groups consisting of ourselves and two other persons from
the group who have been abstinent for three (3) months, and who usually
have more experience in the program. The group meets in a series of
Pressure Relief Meetings to review our financial situation.
The Pressure Meeting usually results in the formulation of a spending
plan, which puts our needs first, and an action plan, for resolving our
debts and taking the first steps toward solvency.
Many of us find it extremely helpful to select a sponsor. A sponsor is an
abstinent member of D.A. who is usually more experienced in working the
Twelve Steps. The sponsor aids us in implementing our action plan and in
working the Steps.
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 teaches us how our organization operates, and also helps
us to become responsible for our own recovery.
We study the literature of Alcoholics Anonymous to strengthen our
understanding of compulsive disease. We can identify with many of the
situations described therein by substituting the words "compulsive
debt" for "alcohol."
We maintain awareness of the danger of compulsive debt by taking note of
bank, loan company and credit-card advertising and by reading news
accounts of its effects.
We perform service at every level: personal, meeting, Intergroup and World
Service. Service is vital to our recovery. Only through service can we
give to others what has been so generously given to us.
Twelve Promises of Debtors Anonymous