In early 1971 the group members came to believe that incurring unsecured debt was the threshold of their disease and committed to a rigorous twelve-step approach to prevent incurring further unsecured debt [REF].
DA adapted AA's format, making only five changes to AA's Twelve Steps and Twelve Traditions: "D.A." and "Debtors Anonymous" replaces "A.A." and "Alcoholics Anonymous", "debt" replaces "alcoholism", "compulsive debtors" replaces "alcoholics", "incurring unsecured debt" replaces "drinking", and "debtor" replaces "alcoholic."[REF]