 may not be available in all states. Many business owners, entrepreneurs, and independent contractors can't stop themselves from spending all the money as it comes in than incurring debt to pay taxes and other obligations. Help is available now. Debtors Anonymous is a 12-step recovery program to help people and businesses stop incurring new unsecured debt. Request free program literature at helpfordebtors.org. That's helpfordebtors.org.