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Fifteen Questions


If you are having problems with money or debt, we can help. We are a free, Twelve Steps-based fellowship with one purpose: to help people struggling with compulsive debting, compulsive spending, and/or under earning. We invite you to attend a meeting or event to learn more.

DA around the world

Twelve Signs

Debtors Anonymous Minnesota Intergroup

Serving Minnesota, Iowa, Nebraska and the Dakotas

1. Being unclear about your financial situation; not knowing account balances, monthly expenses, loan interest rates, fees, fines, or contractual obligations.

2. Frequently “borrowing” items such as books, pens, or small amounts of money from friends or others and failing to return them.

3. Poor saving habits: not planning for taxes, retirement, or other not-recurring but predictable items and then feeling surprised when they come due; a “live for today, don’t worry about tomorrow” attitude.

4. Compulsive shopping: being unable to pass up a “good deal;” making impulsive purchases; leaving price tags on clothes so they can be returned’ not using items you’ve purchased.

5. Difficulty in meeting basic financial or personal obligations, and/or an inordinate sense of accomplishment when such obligations are met.

6. A different feeling when buying things on credit than when paying cash, a feeling of being in the club, of being accepted, of being grown-up.

7. Living in chaos and drama around money; using one credit card to pay another; bouncing checks; always having a financial crisis to contend with.

8. A tendency to live on the edge; living paycheck to paycheck; taking risks with health and car insurance coverage; writing checks hoping money will appear to cover them.

9. Unwarranted inhibition and embarrassment in what should be a normal discussion of money.

10. Overwork or under-earning: working extra hours to earn money to pay your creditors; using time inefficiently; taking jobs below your skill or education level.

11. An unwillingness to care for and value yourself: living in self-imposed deprivation; denying your own basic needs in order to pay your creditors.

12. A feeling or hope that someone will take care of you if necessary, so that you won’t really get into serious financial trouble, that there will always be someone you can turn to.

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

1. Are your debts making your home life unhappy? 

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

3. Are your debts affecting your reputation? 

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 consider getting drunk? 

12. Have you ever borrowed money without giving adequate consideration to the rate of interest you are required to pay? 

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

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

15. Do you justify your debts by telling yourself that you are superior to the "other" people, and when you get your "break" you'll be out of debt overnight? 

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. 

© Debtors Anonymous General Service Board, Inc.

Meeting list (PDF) 

(H) = Handicapped accessible 


DA H.O.W. #1454

Monday, 7:00-8:30 p.m.

St. Mary's Greek Orthodox Church
3450 Irving Ave. S.
Minneapolis, MN 55408
(from the south parking lot use the door next to the flag)

St. Paul Promises DA #277

Tuesday, 7:00-8:00 p.m.
New location! (eff. July 2018)

Unity Church Unitarian (H)
732 Holly Avenue
St. Paul, MN  55104 

Closed meeting.

Wadena Thursday DA #506192

Thursday 4:00 - 5:00 PM
Wadena Alano Club
421 4th Street NW 
Thursday, 6:30-7:30 pm

Earning & Learning DA and BDA 

Thursday, 6:30-7:30 pm 

St. Paul #81616
Martin Luther King (MLK) Center, 271 MacKubin Street
Saint Paul, MN 55102
(Use main entrance on east side of building, Game Room, First room on left after entering)

Lakes Area  DA #506192

Friday 5:30 - 6:30 PM
Lakes Area Alano Club
7829 MN Highway 210
Baxter, MN 56425

DA Intergroup #273

2nd Saturday of the month, 7:45-9:00 a.m.
Note: This is a business meeting, and is not recommended for beginners looking to attend a DA recovery meeting.
Bethel Evangelical Lutheran Church
4120 17th Ave. S.
Minneapolis, MN 55407
(Park in the large parking lot and enter sliding glass door facing lot).

South Mpls DA Open Meeting #1101

Saturday, 9:00-10:00 a.m.
Bethel Evangelical Lutheran Church
4120 17th Ave. S.
Minneapolis, MN 55407
(Meeting rooms 7 and 8. Park in the large parking lot and enter sliding glass door facing lot. Rooms are first right as you walk in the door).

Prosperity DA #276

Saturday, 10:30-11:30 a.m.
Open Meeting
Wooddale Church (H)
6630 Shady Oak Road
Eden Prairie, MN 55344
(1/2 mile south of 62; enter at front door #1; lower level Room 125)  Room # updated as of Feb. 2016.

Minnetonka DA #1262

Sunday, 5:30-6:30 p.m.
Oak Knoll Lutheran Church (H)
600 County Road 73
Minnetonka, MN 55305
(Hopkins Crossroads, just north of 394; enter in rear of building; the Plymouth 2 Alanon.

Money Sense #1577

Thursday: 6:00 - 7:00 PM
Prairiewoods Spirituality Center
120 East Boyson Road
Hiawatha, IA 52233
Meets in Art Room, Main Center Building.

Saturday Morning DA #1405

Saturday, 10:30-11:30 a.m.
Mercy Hospital 
250 Mercy Drive
Dubuque, IA 52001
(Conference Room 1B. The room is available for quiet book work after the meeting from 11:30-12 noon.)


Elkhorn DA Group #1205

Tuesday, 7:15 p.m.
St. Augustine's Episcopal Church
285 South 208th Street
Elkhorn, Nebraska 68022
(in Skyline Ranches. For information, call 402-397-4059 or 402-306-6107)

Back to the Black DA Group


Sunday, 6:30-7:30 p.m.
12 Step House
7306 Grant Street
Omaha, NE 68134
For information call 402-578-6999
There are currently no meetings listed for North Dakota or South Dakota.

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