Recovery from Debt

The Tools for Recovery of Debtors Anonymous

Action is the magic word. We have found the following actions essential to our recovery.


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 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.

The Telephone

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.


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.

A.A. Literature

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.

Debtors Anonymous

          Addiction & Recovery for Dummies
by Brian F., PhD Shaw, Paul, PhD Ritvo, Jane, D.Phil Irvine

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