What is Debtors Anonymous?
Debtors Anonymous
(DA) is an organization that sponsors support groups for people trying to make
the custom of the uncontrolled accumulation of debt and financial
irresponsibility break. These support groups are working on a self-help model
developed by Alcoholics Anonymous (AA). People take part in meetings voluntary
and anonymous. The organization is active in all 50 U.S. states and nine
countries around the world.
The functional unit of Debtors Anonymous is the support group meeting. Meetings
may be held by anyone with a desire to organize the message to promote.
Typically, meetings organized by the DA prior participants who recruit new
members to support the best companies group when they move to an area without a local meeting
or simply want to meetings in a different context to keep. The organizational
records the meeting with the principal organization representing the meeting
lists in the folder so that people who are looking for a local group can find.
Meetings may take place in person, by phone, or via the Internet.
External Debtors Anonymous has the self-help course of Alcoholics Anonymous. It
deals with compulsive debt assumption as a disease or progressive disease that cannot
be cured, like alcoholism. The organization replaces the label
"alcoholic" with "compulsive debtor" in the appropriate
philosophy. Like AA, the core of the Debtors Anonymous theory of change is the
12-step program.
The 12-step program is based on the compulsive debtor must navigate through
stages of self-motivated to change his habit to check. First in the series of
steps in order to give in to the problem. Additional steps include the decision
to do something about the problem, self-evaluation, development of humility,
and making amends. The program provides the basis for participation in
group-term goal setting, and the final evaluation of the success as measured by
the participant is considered "financially sober."
Debtors Anonymous also plays an important role in getting people to realize
that they have a problem in the first place. The organization developed a
self-help barometer of 12 signs of compulsive debt practices, including
financial unawareness, poor saving habits, and compulsive shopping. More
specific signs include borrow small sums of money and not so well as chronic underfunding
deserve to return. The DA website, visitors can take a 15-item questionnaire
based on 12 plates. If a person answers "yes" to 8 of 15, he probably
has a problem with debt.
It is important to note that Debtors Anonymous is a facilitator, not a problem
solver or a debt counselor. It does not give out money or loans. The
organization aims to create self-awareness and to motivate people to change
their lives. It teaches and encourages healthy financial habits, so that
members can make a reasonable living within their means and without the stress
of uncontrolled debt limiting their life options.
