Civic Intelligence

American Credit Counseling Service Inc.

990 • Fiscal year 2011 • EIN 04-3155735

Jan 01, 2011 to Dec 31, 2011 • Filed on Apr 30, 2012

4 Taunton Street02762
Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$151,931

Flat from 2011

Net Assets

Flat

$74,675

Flat from 2011

Liabilities

Flat

$77,256

Flat from 2011

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$310,021

Flat from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$200K$100K$0-$100KAssets 2010: $198,827Liabilities 2010: $84,851Net Assets 2010: $113,9762010Assets 2011: $151,931Liabilities 2011: $77,256Net Assets 2011: $74,6752011Assets 2011: $151,931Liabilities 2011: $77,256Net Assets 2011: $74,6752011Assets 2012: $140,060Liabilities 2012: $65,395Net Assets 2012: $74,6652012Assets 2013: $134,871Liabilities 2013: $50,434Net Assets 2013: $84,4372013Assets 2014: $148,094Liabilities 2014: $42,837Net Assets 2014: $105,2572014Assets 2015: $122,203Liabilities 2015: $140,604Net Assets 2015: -$18,4012015Assets 2016: $138,361Liabilities 2016: $153,924Net Assets 2016: -$15,5632016Assets 2017: $86,890Liabilities 2017: $112,891Net Assets 2017: -$26,0012017Assets 2018: $126,423Liabilities 2018: $157,347Net Assets 2018: -$30,9242018Assets 2019: $103,528Liabilities 2019: $137,370Net Assets 2019: -$33,8422019Assets 2020: $84,041Liabilities 2020: $117,621Net Assets 2020: -$33,5802020Assets 2021: $76,031Liabilities 2021: $106,486Net Assets 2021: -$30,4552021Assets 2022: $75,808Liabilities 2022: $101,782Net Assets 2022: -$25,9742022Assets 2023: $70,122Liabilities 2023: $103,646Net Assets 2023: -$33,5242023Assets 2024: $59,146Liabilities 2024: $95,440Net Assets 2024: -$36,2942024

Highlighted filing

2011

Assets$151,931
Liabilities$77,256
Net Assets$74,675

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$400K$200K$0-$200KExpenses 2010: $356,5232010Expenses 2011: $310,0212011Revenue 2011: $297,826Expenses 2011: $310,021Net Income 2011: -$12,1952011Expenses 2012: $272,7932012Revenue 2013: $299,141Expenses 2013: $287,521Net Income 2013: $11,6202013Revenue 2014: $268,325Expenses 2014: $259,060Net Income 2014: $9,2652014Revenue 2015: $234,267Expenses 2015: $233,804Net Income 2015: $4632015Revenue 2016: $246,475Expenses 2016: $243,640Net Income 2016: $2,8352016Revenue 2017: $224,186Expenses 2017: $234,624Net Income 2017: -$10,4382017Revenue 2018: $218,415Expenses 2018: $223,338Net Income 2018: -$4,9232018Revenue 2019: $220,588Expenses 2019: $215,263Net Income 2019: $5,3252019Revenue 2020: $193,341Expenses 2020: $193,079Net Income 2020: $2622020Revenue 2021: $178,001Expenses 2021: $174,876Net Income 2021: $3,1252021Revenue 2022: $180,907Expenses 2022: $190,446Net Income 2022: -$9,5392022Revenue 2023: $119,961Expenses 2023: $175,579Net Income 2023: -$55,6182023Revenue 2024: $122,150Expenses 2024: $124,919Net Income 2024: -$2,7692024

Highlighted filing

2011

Revenue-
Expenses$310,021
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Apr 30, 2012
Return Version
2011v1.2
Gross Receipts
$297,826
Mission and Program Overview

Mission

Budget and credit counselling.

Major Activities

Activity 2
Financial education and budget counseling. Includes toll-free hot-line. Majority of individuals assisted are low-income. There are no charges for these services.
Activity 3
Educational conducted in-house monthly and at the request of other social service agencies such as united way. There are no charges for these services. The majority of the participants are low-income and/or elderly.
Filing and Contact Details

Filer

EIN
04-3155735
Raw XML AppendixShowing 400 of 412 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY031952
IRS990/AccountsPayableAccruedExpenses/EOY037198
IRS990/AccountsReceivable/BOY019797
IRS990/AccountsReceivable/EOY022541
IRS990/ActivitiesConductedPartnership0false
IRS990/Activity2/Description0FINANCIAL EDUCATION AND BUDGET COUNSELING. INCLUDES TOLL-FREE HOT-LINE. MAJORITY OF INDIVIDUALS ASSISTED ARE LOW-INCOME. THERE ARE NO CHARGES FOR THESE SERVICES.
IRS990/Activity3/Description0EDUCATIONAL CONDUCTED IN-HOUSE MONTHLY AND AT THE REQUEST OF OTHER SOCIAL SERVICE AGENCIES SUCH AS UNITED WAY. THERE ARE NO CHARGES FOR THESE SERVICES. THE MAJORITY OF THE PARTICIPANTS ARE LOW-INCOME AND/OR ELDERLY.
IRS990/ActivityOrMissionDescription0BUDGET AND CREDIT COUNSELING
IRS990/ActivityOther/Description0PROVIDING DEBT MANAGEMENT AND MEDIATION FOR FINANCIALLY DISTRESSED PEOPLE. MAJORITY OF THEM ARE LOW INCOME, 25% ARE AIDED AT REDUCED OR NO CHARGE.
IRS990/ActivityOther/Expense0282874
IRS990/AddressPrincipalOfficerUS/AddressLine10393 RICHARDSON AVENUE
IRS990/AddressPrincipalOfficerUS/City0ATTLEBORO
IRS990/AddressPrincipalOfficerUS/State0MA
IRS990/AddressPrincipalOfficerUS/ZIPCode002703
IRS990/Advertising/ProgramServices07403
IRS990/Advertising/Total07403
IRS990/AllOtherContributions0157373
IRS990/AllOtherExpenses/ManagementAndGeneral01523
IRS990/AllOtherExpenses/ProgramServices010743
IRS990/AllOtherExpenses/Total012266
IRS990/BenefitsPaidToMembersCY00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY0176780
IRS990/CashNonInterestBearing/EOY0127140
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/ProgramServices077466
IRS990/CompCurrentOfficersDirectors/Total077466
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0false
IRS990/CompensationProcessOther0false
IRS990/ConflictOfInterestPolicy0false
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContributionsGrantsCurrentYear0157373
IRS990/ContributionsGrantsPriorYear0205028
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0false
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DescribedIn501C30true
IRS990/Description0PROVIDING DEBT MANAGEMENT AND MEDIATION FOR FINANCIALLY DISTRESSED PEOPLE. MAJORITY OF THEM ARE LOW INCOME, 25% ARE AIDED AT REDUCED OR NO CHARGE.
IRS990/DisregardedEntity0false
IRS990/DocumentRetentionPolicy0false
IRS990/DonorAdvisedFunds0false
IRS990/ElectionOfBoardMembers0false
IRS990/EmploymentTaxReturnsFiled0true
IRS990/ExcessBenefitTransaction0false
IRS990/FamilyOrBusinessRelationship0false
IRS990/FeesForServicesAccounting/ManagementAndGeneral08125
IRS990/FeesForServicesAccounting/Total08125
IRS990/FollowSFAS1170X
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignOffice0false
IRS990/Form1098CFiled0false
IRS990/Form8282PropertyDisposedOf0false
IRS990/Form8899Filed0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek050.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek150.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector7X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector8X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector9X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector10X
IRS990/Form990PartVIISectionA/NamePerson0MARK A HIGGINS
IRS990/Form990PartVIISectionA/NamePerson1MICHAEL L EDGAR
IRS990/Form990PartVIISectionA/NamePerson2MOLLIE CURREN
IRS990/Form990PartVIISectionA/NamePerson3MICHAEL W MCCUE
IRS990/Form990PartVIISectionA/NamePerson4MARK B STOLWORTHY
IRS990/Form990PartVIISectionA/NamePerson5STEPHANIE COMEAU
IRS990/Form990PartVIISectionA/NamePerson6KENNETH FITCH
IRS990/Form990PartVIISectionA/NamePerson7MATTHEW GEMINIANI
IRS990/Form990PartVIISectionA/NamePerson8LAURIE LABA
IRS990/Form990PartVIISectionA/NamePerson9DAVID MCCARTER
IRS990/Form990PartVIISectionA/NamePerson10MELISSA PARKER
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/OtherCompensation80
IRS990/Form990PartVIISectionA/OtherCompensation90
IRS990/Form990PartVIISectionA/OtherCompensation100
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization043535
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization133933
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization70
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization80
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization90
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization100
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs80
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs90
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs100
IRS990/Form990PartVIISectionA/Title0VP/SECRETARY
IRS990/Form990PartVIISectionA/Title1PRESIDENT /T
IRS990/Form990PartVIISectionA/Title2BOARD MEMBER
IRS990/Form990PartVIISectionA/Title3BOARD MEMBER
IRS990/Form990PartVIISectionA/Title4BOARD MEMBER
IRS990/Form990PartVIISectionA/Title5BOARD MEMBER
IRS990/Form990PartVIISectionA/Title6BOARD MEMBER
IRS990/Form990PartVIISectionA/Title7BOARD MEMBER
IRS990/Form990PartVIISectionA/Title8BOARD MEMBER
IRS990/Form990PartVIISectionA/Title9BOARD MEMBER
IRS990/Form990PartVIISectionA/Title10BOARD MEMBER
IRS990/Form990ProvidedToGoverningBody0false
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/FundsToPayPremiums0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts0297826
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0true
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartIII0X
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/Insurance/ManagementAndGeneral0577
IRS990/Insurance/ProgramServices03862
IRS990/Insurance/Total04439
IRS990/Interest/ManagementAndGeneral01126
IRS990/Interest/ProgramServices07535
IRS990/Interest/Total08661
IRS990/InvestmentIncomeCurrentYear00
IRS990/InvestmentInJointVenture0false
IRS990/LandBldgEquipmentAccumDeprec041375
IRS990/LandBuildingsEquipmentBasis041375
IRS990/LoanToOfficerOrDQP0false
IRS990/LobbyingActivities0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0false
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0BUDGET AND CREDIT COUNSELING
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/MortNotesPyblSecuredInvestProp/BOY052899
IRS990/MortNotesPyblSecuredInvestProp/EOY040058
IRS990/NameOfPrincipalOfficerPerson0MICHAEL L EDGAR
IRS990/NbrIndependentVotingMembers00
IRS990/NbrVotingGoverningBodyMembers00
IRS990/NbrVotingMembersGoverningBody00
IRS990/NetAssetsOrFundBalancesBOY0113976
IRS990/NetAssetsOrFundBalancesEOY074675
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith109600
IRS990/NumberIndependentVotingMembers00
IRS990/NumberOfEmployees010
IRS990/NumberW2GIncluded00
IRS990/Occupancy/ManagementAndGeneral02938
IRS990/Occupancy/ProgramServices019664
IRS990/Occupancy/Total022602
IRS990/OfficeExpenses/ProgramServices08741
IRS990/OfficeExpenses/Total08741
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c30X
IRS990/OtherEmployeeBenefits/ManagementAndGeneral03161
IRS990/OtherEmployeeBenefits/ProgramServices09480
IRS990/OtherEmployeeBenefits/Total012641
IRS990/OtherExpensePriorYear0115156
IRS990/OtherExpensesCurrentYear0110128
IRS990/OtherExpenses/Description0TELEPHONE
IRS990/OtherExpenses/Description1BANK SERVICE CHARGES
IRS990/OtherExpenses/Description2COPIER LEASE
IRS990/OtherExpenses/Description3AUTO LEASE
IRS990/OtherExpenses/ManagementAndGeneral02105
IRS990/OtherExpenses/ManagementAndGeneral11125
IRS990/OtherExpenses/ManagementAndGeneral2476
IRS990/OtherExpenses/ManagementAndGeneral3460
IRS990/OtherExpenses/ProgramServices014084
IRS990/OtherExpenses/ProgramServices17527
IRS990/OtherExpenses/ProgramServices23183
IRS990/OtherExpenses/ProgramServices33077
IRS990/OtherExpenses/Total016189
IRS990/OtherExpenses/Total18652
IRS990/OtherExpenses/Total23659
IRS990/OtherExpenses/Total33537
IRS990/OtherRevenueCurrentYear00
IRS990/OtherSalariesAndWages/Fundraising02039
IRS990/OtherSalariesAndWages/ProgramServices092370
IRS990/OtherSalariesAndWages/Total094409
IRS990/PartialLiquidation0false
IRS990/PayrollTaxes/ManagementAndGeneral02731
IRS990/PayrollTaxes/ProgramServices012646
IRS990/PayrollTaxes/Total015377
IRS990/PermanentlyRestrictedNetAssets/BOY0151196
IRS990/PermanentlyRestrictedNetAssets/EOY0124090
IRS990/PoliticalActivities0false
IRS990/PremiumsPaid0false
IRS990/PrepaidExpensesDeferredCharges/BOY02250
IRS990/PrepaidExpensesDeferredCharges/EOY02250
IRS990/PriorExcessBenefitTransaction0false
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0541900
IRS990/ProgramServiceRevenue/BusinessCode1541900
IRS990/ProgramServiceRevenue/BusinessCode2541900
IRS990/ProgramServiceRevenue/BusinessCode3541900
IRS990/ProgramServiceRevenue/BusinessCode4541900
IRS990/ProgramServiceRevenueCY0140453
IRS990/ProgramServiceRevenue/Description0MAINTENANCE PAYMENTS
IRS990/ProgramServiceRevenue/Description1PAY DAY LOAN COUNSELING
IRS990/ProgramServiceRevenue/Description2CLIENT FEES
IRS990/ProgramServiceRevenue/Description3MISCELLANEOUS INCOME
IRS990/ProgramServiceRevenue/Description4DEBT MEDIATIONS
IRS990/ProgramServiceRevenuePriorYear0164133
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome0120591
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome112335
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome23466
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome31693
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome41488
IRS990/ProgramServiceRevenue/TotalRevenueColumn0120591
IRS990/ProgramServiceRevenue/TotalRevenueColumn112335
IRS990/ProgramServiceRevenue/TotalRevenueColumn23466
IRS990/ProgramServiceRevenue/TotalRevenueColumn31693
IRS990/ProgramServiceRevenue/TotalRevenueColumn41488
IRS990/ProhibitedTaxShelterTrans0false
IRS990/QuidProQuoContributions0false
IRS990/ReconcilationOtherChanges0-27106
IRS990/ReconcilationRevenueExpenses0-12195
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0false
IRS990/ReportProgRelInvest0false
IRS990/RevenuesLessExpensesCY0-12195
IRS990/RevenuesLessExpensesPriorYear012638
IRS990/SalariesEtcCurrentYear0199893
IRS990/SalariesEtcPriorYear0241367
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYear0157373
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus1Year0205028
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus2Years0183815
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus3Years0246185
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus4Years0288469
IRS990ScheduleA/GiftsGrantsContribReceived170/Total01080870
IRS990ScheduleA/GrossReceiptsFromAdmissionsEtc0140453
IRS990ScheduleA/PubliclySupportedOrg170b1Avi0X
IRS990ScheduleA/PublicSupportPertcentage17001.00000
IRS990ScheduleA/PublicSupportPertcentPriorYear01.00000
IRS990ScheduleA/PublicSupportTotal17001080870
IRS990ScheduleA/ThirtyThreePercntTestsCY1700X
IRS990ScheduleA/Total170/CurrentTaxYear0157373
IRS990ScheduleA/Total170/CurrentTaxYearMinus1Year0205028
IRS990ScheduleA/Total170/CurrentTaxYearMinus2Years0183815
IRS990ScheduleA/Total170/CurrentTaxYearMinus3Years0246185
IRS990ScheduleA/Total170/CurrentTaxYearMinus4Years0288469
IRS990ScheduleA/Total170/Total01080870
IRS990ScheduleA/TotalSupport01080870
IRS990/ScheduleBRequired0false
IRS990ScheduleD/AgentTrusteeEtc0false
IRS990ScheduleD/AreRelatedOrgsListedScheduleR0false
IRS990ScheduleD/Buildings/Depreciation041375
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis041375
IRS990ScheduleD/DisclosedForCharitablePurposes0false
IRS990ScheduleD/DisclosedOrgsLegalControl0false
IRS990ScheduleD/EndowmentsHeldByRelatedOrgs0false
IRS990ScheduleD/EndowmentsHeldByUnrelatedOrgs0false
IRS990ScheduleD/ExcessOrDeficitForYear0-12195
IRS990ScheduleD/ExcessOrDeficitPerFS0-12195
IRS990ScheduleD/ExpensesSubtotal0310021
IRS990ScheduleD/IncludedOnFS0false
IRS990ScheduleD/RevenueSubtotal0297826
IRS990ScheduleD/Sect170hRequirementsSatisfied0false
IRS990ScheduleD/SolicitedAssetsForSale0false
IRS990ScheduleD/TotalExpenses0310021
IRS990ScheduleD/TotalExpensesPerForm9900310021
IRS990ScheduleD/TotalRevenue0297826
IRS990ScheduleD/TotalRevenuePerForm9900297826
IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt0310021
IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt0297826
IRS990ScheduleD/WrittenPolicyMonitoring0false
IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0PROVIDING DEBT MANAGEMENT AND MEDIATION FOR FINANCIALLY DISTRESSED PEOPLE. MAJORITY OF THEM ARE LOW INCOME, 25% ARE AIDED AT REDUCED OR NO CHARGE.
IRS990ScheduleO/GeneralExplanation/Explanation1A COPY OF THE FORM 990 IS PROVIDED TO THE ORGANIZATION'S GOVERNING BODY AT ITS MONTHLY MEETING PRIOR TO FILING.
IRS990ScheduleO/GeneralExplanation/Explanation2THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY AND ITS FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation3CHANGE IN RESTRICTED FUNDS
IRS990ScheduleO/GeneralExplanation/Identifier0ALL OTHER ACCOMPLISHMENT DESCRIPTION
IRS990ScheduleO/GeneralExplanation/Identifier1ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier2GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier3OTHER CHANGES IN NET ASSETS EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART XI, LINE 5
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0MA
IRS990/StatesWhereCopyOfReturnIsFiled0MA
IRS990/SubjectToProxyTax0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine104 TAUNTON STREET
IRS990/TheBooksAreInCareOf/AddressUS/City0PLAINVILLE
IRS990/TheBooksAreInCareOf/AddressUS/State0MA
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode002762
IRS990/TheBooksAreInCareOf/NamePerson0THE ORGANIZATION
IRS990/TheBooksAreInCareOf/TelephoneNumber05086434445
IRS990/TotalAssets/BOY0198827
IRS990/TotalAssetsBOY0198827
IRS990/TotalAssets/EOY0151931
IRS990/TotalAssetsEOY0151931
IRS990/TotalCompGT150K0false
IRS990/TotalContributions0157373
IRS990/TotalExpensesCurrentYear0310021
IRS990/TotalExpensesPriorYear0356523
IRS990/TotalFunctionalExpenses/Fundraising02039
IRS990/TotalFunctionalExpenses/ManagementAndGeneral025108
IRS990/TotalFunctionalExpenses/ProgramServices0282874
IRS990/TotalFunctionalExpenses/Total0310021
IRS990/TotalFundrsngExpCurrentYear02039
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY084851
IRS990/TotalLiabilitiesBOY084851
IRS990/TotalLiabilities/EOY077256
IRS990/TotalLiabilitiesEOY077256
IRS990/TotalLiabNetAssetsFundBalances/BOY0198827
IRS990/TotalLiabNetAssetsFundBalances/EOY0151931
IRS990/TotalNbrEmployees010
IRS990/TotalNetAssetsFundBalances/BOY0113976
IRS990/TotalNetAssetsFundBalances/EOY074675
IRS990/TotalOfOtherProgramServiceExp0282874
IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome0880
IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn0880
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceExpense0282874
IRS990/TotalProgramServiceRevenue0140453
IRS990/TotalReportableCompFromOrg077468
IRS990/TotalRevenueCurrentYear0297826
IRS990/TotalRevenuePriorYear0369161
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0140453
IRS990/TotalRevenue/TotalRevenueColumn0297826
IRS990/TransactionRelatedEntity0false
IRS990/TransfersToExemptNonChrtblOrg0false
IRS990/Travel/ManagementAndGeneral0761
IRS990/Travel/ProgramServices05093
IRS990/Travel/Total05854
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UnrestrictedNetAssets/BOY0-37220
IRS990/UnrestrictedNetAssets/EOY0-49415
IRS990/UponRequest0X
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01992
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0043155735
ReturnHeader/Filer/Name/BusinessNameLine10AMERICAN CREDIT COUNSELING
ReturnHeader/Filer/Name/BusinessNameLine20SERVICE INC
ReturnHeader/Filer/NameControl0AMER
ReturnHeader/Filer/Phone05086434445
ReturnHeader/Filer/USAddress/AddressLine104 TAUNTON STREET
ReturnHeader/Filer/USAddress/City0PLAINVILLE
ReturnHeader/Filer/USAddress/State0MA
ReturnHeader/Filer/USAddress/ZIPCode002762
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02012-04-30
ReturnHeader/Officer/Name0MICHAEL L EDGAR
ReturnHeader/Officer/Phone05086434445
ReturnHeader/Officer/Title0PRESIDENT & TREASURER
ReturnHeader/Preparer/DatePrepared02012-06-15
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10HENRY C FRYE CPA

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.59$0.95$0.36$1.22$1.25$0.03
2023Detailed filing. Detailed filing data is available for this year.$0.70$1.04$0.34$1.20$1.76$0.56
2022Detailed filing. Detailed filing data is available for this year.$0.76$1.02$0.26$1.81$1.90$0.10
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.76$1.06$0.30$1.78$1.75$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.84$1.18$0.34$1.93$1.93$0.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.04$1.37$0.34$2.21$2.15$0.05
2018Detailed filing. Detailed filing data is available for this year.$1.26$1.57$0.31$2.18$2.23$0.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.87$1.13$0.26$2.24$2.35$0.10
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.38$1.54$0.16$2.46$2.44$0.03
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.22$1.41$0.18$2.34$2.34$0.00
2014Detailed filing. Detailed filing data is available for this year.$1.48$0.43$1.05$2.68$2.59$0.09
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$1.35$0.50$0.84$2.99$2.88$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.40$0.65$0.75$2.73
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.52$0.77$0.75$3.10
2011Summary only. Only limited summary data is available for this year.$1.52$0.77$0.75$2.98$3.10$0.12
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.99$0.85$1.14$3.57