12 Step Program 

'We come to learn that compulsive debting is a spiritual problem with a spiritual solution, and we find relief by working the DA recovery program based on the Twelve Step principles'

from Welcome to Debtors Anonymous

A room of people clapping, with a pair of elderly woman's hands wearing a ring in the foreground.

The 12 Steps of Debtors Anonymous

The suggested Twelve Steps of Debtors Anonymous provide a foundation for living that forms the basis of our spiritual program.


The 12 Traditions of Debtors Anonymous

Just as the Twelve Steps of Debtors Anonymous are guides for personal recovery the Twelve Traditions are guides for group unity.


The 12 Tools of Debtors Anonymous

We attain a daily reprieve from compulsive debting by practising the Twelve Steps and by using the Twelve Tools.


The 12 Promises of Debtors Anonymous

When we work this program with integrity and to the best of our ability, one day at a time, a life of prosperity and serenity will be ours.


The 12 Tools of Business Debtors Anonymous

In BDA we learn to operate our business along spiritual lines and find that operating in integrity and being of service is profitable.

As a next step, you may wish to read about the history of Debtors Anonymous and some inspirational stories from A Currency of Hope

© The 12 Steps & 12 Traditions are copyright AA World Services 

© The Twelve Tools of Debtors Anonymous are copyright 2005 Debtors Anonymous General Service Board, Inc. Revised 2013 

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