Debtors Anonymous (DA) is a twelve-step program A twelve-step program is a set of guiding principles outlining a course of action for recovery from addiction, compulsion, or other behavioral problems. Originally proposed by Alcoholics Anonymous as a method of recovery from alcoholism, the Twelve Steps were first published in the book, Alcoholics Anonymous: The Story of How More Than One Hundred for people who share a common desire to maintain financial solvency In finance or business, solvency is the ability of an entity to pay its debts. Solvency can also be described as the ability of a corporation to meet its long-term fixed expenses and to accomplish long-term expansion and growth. The better a company's solvency, the better it is financially. When a company is insolvent, it means that it can no.

Contents 1 History 2 Membership 3 Concepts 3.1 Clarity and awareness 3.2 Abundance 3.3 Abstinence 3.4 Adaptation of the Twelve Steps 4 Keeping numbers 4.1 Spending records 4.2 Spending plans 4.3 Debt repayment plans 4.4 Envelopes 5 Pressure relief meetings 6 Referrals