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A Way Back from Deep Debt: Debtors Anonymous

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This 3300-word article on Debtors Anonymous originally appeared in the New York Times Magazine.

Debtors Anonymous is a 12-Step self-help program modeled on Alcoholics Anonymous that helps its members recover from past debts, negotiate with and pay off all their creditors on a humane and manageable schedule, increase income, and avoid incurring any new unsecured debt going forward.

It enables its members to get free of debt and the act of debting and stay free forever, one day at a time.

Whil...