The 12 Steps of Debtors Anonymous

Debtors Anonymous offers a program of recovery that works. Those who wish to stop debting are encouraged to attend meetings, read D.A. literature, seek the advice of a program sponsor, and follow the 12 Steps of the Debtors Anonymous program.

STEP ONE: We admitted we were powerless over debt–that our lives had become unmanageable.

STEP TWO: Came to believe that a Power greater than ourselves could restore us to sanity.

STEP THREE: Made a decision to turn our will and our lives over to the care of God as we understood Him.

STEP FOUR: Made a searching and fearless moral inventory of ourselves.

STEP FIVE: Admitted to God, to ourselves, and to another human being the exact nature of our wrongs.

STEP SIX: Became entirely ready to have God remove all these defects of character.

STEP SEVEN: Humbly asked Him to remove our shortcomings.

STEP EIGHT: Made a list of all persons we had harmed and became willing to make amends to them all.

STEP NINE: Made direct amends to such people wherever possible, except when to do so would injure them or others.

STEP TEN: Continued to take personal inventory and when we were wrong promptly admitted it.

STEP ELEVEN: Sought through prayer and meditation to improve our conscious contact with God as we understood Him praying only for knowledge of His will for us and the power to carry that out.

STEP TWELVE: Having had a spiritual awakening as the result of these steps, we tried to carry this message to compulsive debtors, and to practice these principles in all our affairs.