Northwest Debtors Anonymous


Most compulsive debtors will answer "yes" to at least
​eight of the following 15 questions.​

1. Are your debts making your home life unhappy?

2. Does the pressure of your debts distract you from your daily work?

3. Do you promise yourself you'll stop incurring overdraft or late payment fees, only to do it again and again?

4. Do your debts cause you to think less of yourself?

5. Have you ever given false information in order to obtain credit?

6. Have you ever made unrealistic promises to your creditors?

​7. Does the pressure of your debts make you careless of the welfare of your family?

8. Do you ever fear that your employer, family, or friends will learn the extent of your total indebtedness?

9. When faced with a difficult financial situation, does the prospect of borrowing give you an inordinate feeling of relief?

10. Does the pressure of your debts cause you to have difficulty  sleeping?

11. Has the pressure of your debts ever caused you to use alcohol, drugs, food, relationships, sex, or inappropriate behaviors to alter your mood?

​12. Has your unsuccessful relationship with money ever caused you to think that it might be easier to die than to keep trying and failing with money?

13. Do you usually expect a negative response when you are subject to a credit report?

14. Have you ever developed a strict regimen for paying off your debts, only to break it under pressure?

15. Do your debts cause you to neglect basic financial or personal obligations, such as medical expenses, car insurance, taxes, and savings for retirement?

How did you score?

​​If you answered yes to eight or more of these questions, the chances are that you have a problem with compulsive debt, or are well on your way to having one. If this is the case, today can be a turning point in your life.

We have all arrived at this crossroad. One road, a soft road, lures you on to further despair, illness, ruin, and in some cases, mental institutions, prison, or suicide. The other road, a more challenging road, leads to self-respect, solvency, healing, peace, serenity, and personal fulfillment. We urge you to take the first difficult step onto the more solid road now.​

In DA you can find a new way of living that offers recovery from compulsive debting and hope for a healthier, happier, more prosperous life. We suggest that you keep an open mind and attend at least six DA meetings as soon as possible. If you do not like one meeting, attend another. The important thing is to keep coming back.

If you are ready to seek help for your problems with debt, you will likely want to review the following pages:

Signs of Compulsive Debting, Getting Started in DA, 12 Steps of DA, 12 Tools of DA, and 12 Promises of DA.