Civic Intelligence

Debt Counseling Corp

EIN 11-3282205 • 501(c)3 • Port Jefferson, NY

Profile

It is the mission of Debt Counseling Corp. to provide the highest quality of individual and group education on matters of interest to consumers related to debt, credit and financial management. We strive to treat each consumer as an individual with specific needs and structure each consumer's financial objectives according to those particular needs. This mission is accomplished through in-house and outreach counseling sessions where it is our goal to teach consumers the skills they need to make better financial decisions not just in the short term but over their lifetime.Counseling is conducted by Certified Credit Counselors and is focused on the lower to moderate income level population. The organization's counseling function includes teaching consumers how to have a better understanding of where and when they are spending their money and what can be done to better their financial situation. Our counseling session culminates with a financial analysis completed by one of our Certified

30 Theresa LanePort Jefferson, NY 11777

debtcounselingcorp.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

83rd percentile

0.25x

Higher debt load relative to assets than 83% of similar nonprofits.

NTEE P • <$500k nonprofits • Source year 2024

Liabilities / Revenue

78th percentile

0.04x

Higher debt load relative to revenue than 78% of similar nonprofits.

NTEE P • <$500k nonprofits • Source year 2024

Net Margin

8th percentile

-60%

Higher net margin than 8% of similar nonprofits.

NTEE P • <$500k nonprofits • Source year 2024

Top Officer Pay

94th percentile

$45,096

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 86.1% of source-year revenue.

NTEE P • <$500k nonprofits • Source year 2024

Asset Growth

9th percentile

-77%

Faster asset growth than 9% of similar nonprofits.

NTEE P • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

15th percentile

-54%

Faster revenue growth than 15% of similar nonprofits.

NTEE P • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Down

$9,136

Down $29,759 (-77%) from 2023

Liabilities

Up

$2,245

Up $1,746 (+350%) from 2023

Net Assets

Down

$6,891

Down $31,505 (-82%) from 2023

Operations
Liabilities / Revenue78th percentileNet Margin8th percentile

Revenue

Down

$52,362

Down $61,210 (-54%) from 2023

Expenses

Down

$83,867

Down $204,038 (-71%) from 2023

Net Income

Up

-$31,505

Up $142,828 (+82%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth9th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.5M$1.0M$500K$0Assets 2010: $1,082,883Liabilities 2010: $181,812Net Assets 2010: $901,0712010Assets 2011: $1,030,948Liabilities 2011: $127,792Net Assets 2011: $903,1562011Assets 2012: $988,138Liabilities 2012: $111,480Net Assets 2012: $876,6582012Assets 2013: $1,049,895Liabilities 2013: $190,365Net Assets 2013: $859,5302013Assets 2014: $451,489Liabilities 2014: $102,728Net Assets 2014: $348,7612014Assets 2015: $655,883Liabilities 2015: $92,069Net Assets 2015: $563,8142015Assets 2016: $739,992Liabilities 2016: $72,144Net Assets 2016: $667,8482016Assets 2017: $658,373Liabilities 2017: $117,767Net Assets 2017: $540,6062017Assets 2018: $323,947Liabilities 2018: $31,017Net Assets 2018: $292,9302018Assets 2019: $326,379Liabilities 2019: $32,890Net Assets 2019: $293,4892019Assets 2020: $352,971Liabilities 2020: $39,426Net Assets 2020: $313,5452020Assets 2021: $343,495Liabilities 2021: $38,962Net Assets 2021: $304,5332021Assets 2022: $255,441Liabilities 2022: $42,712Net Assets 2022: $212,7292022Assets 2023: $38,895Liabilities 2023: $499Net Assets 2023: $38,3962023Assets 2024: $9,136Liabilities 2024: $2,245Net Assets 2024: $6,8912024

Highlighted filing

2024

Assets$9,136
Liabilities$2,245
Net Assets$6,891
Open 2024 Filing

Operations Trend

Revenue Growth15th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,528,1642010Expenses 2011: $1,518,4752011Revenue 2012: $1,433,592Expenses 2012: $1,460,090Net Income 2012: -$26,4982012Revenue 2013: $1,430,820Expenses 2013: $1,447,948Net Income 2013: -$17,1282013Revenue 2014: $1,346,438Expenses 2014: $1,857,207Net Income 2014: -$510,7692014Revenue 2015: $1,150,547Expenses 2015: $935,494Net Income 2015: $215,0532015Revenue 2016: $882,820Expenses 2016: $778,786Net Income 2016: $104,0342016Revenue 2017: $656,344Expenses 2017: $783,586Net Income 2017: -$127,2422017Revenue 2018: $485,850Expenses 2018: $733,526Net Income 2018: -$247,6762018Revenue 2019: $348,472Expenses 2019: $347,913Net Income 2019: $5592019Revenue 2020: $351,582Expenses 2020: $331,526Net Income 2020: $20,0562020Revenue 2021: $331,275Expenses 2021: $340,287Net Income 2021: -$9,0122021Revenue 2022: $229,230Expenses 2022: $321,034Net Income 2022: -$91,8042022Revenue 2023: $113,572Expenses 2023: $287,905Net Income 2023: -$174,3332023Revenue 2024: $52,362Expenses 2024: $83,867Net Income 2024: -$31,5052024

Highlighted filing

2024

Revenue$52,362
Expenses$83,867
Net Income-$31,505
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$9,136
Liabilities
$2,245
Net assets
$6,891
Revenue
$52,362
Expenses
$83,867
Net income
-$31,505
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.01$0.00$0.01$0.05$0.08$0.03
2023Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$0.04$0.00$0.04$0.11$0.29$0.17
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.26$0.04$0.21$0.23$0.32$0.09
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.34$0.04$0.30$0.33$0.34$0.01
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.35$0.04$0.31$0.35$0.33$0.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.33$0.03$0.29$0.35$0.35$0.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.32$0.03$0.29$0.49$0.73$0.25
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.66$0.12$0.54$0.66$0.78$0.13
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.74$0.07$0.67$0.88$0.78$0.10
2015Detailed filing. Detailed filing data is available for this year.$0.66$0.09$0.56$1.15$0.94$0.22
2014Detailed filing. Detailed filing data is available for this year.$0.45$0.10$0.35$1.35$1.86$0.51
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$1.05$0.19$0.86$1.43$1.45$0.02
2012Summary only. Only limited summary data is available for this year.$0.99$0.11$0.88$1.43$1.46$0.03
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.03$0.13$0.90$1.52
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.08$0.18$0.90$1.53
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 12, 2025
Return Version
2024v5.1
Gross Receipts
$52,362
Mission and Program Overview

Mission

It is the mission of Debt Counseling Corp to provide the highest quality of individual education on matters of interest to consumers related to debt, credit and financial management.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$35,737$9,136▼ $26,601
Prepaid Expenses and Deferred Charges$2,900$0▼ $2,900
Intangible Assets$236$0▼ $236
Land, Buildings, and Equipment, Net$22$0▼ $22
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Inventories for Sale or Use-$0-
Total Assets$38,895$9,136▼ $29,759
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$499$1,738▲ $1,239
Other Liabilities-$507-
Total Liabilities$499$2,245▲ $1,746
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$38,396$6,891▼ $31,505
Total Net Assets Fund Balance$38,396$6,891▼ $31,505
Total Liabilities and Net Assets / Fund Balance$38,895$9,136▼ $29,759

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$32,883$32,883
Other Land Buildings-$15,187$15,187
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Michael NapolitanoPresidentPT$45,096$45,096
Carol a KorthVP&CorpSec/Trea-$4,239$4,239

Board Members and Trustees

NameTitle
Georgia SkevofilaxDirector
Geraldine a NapolitanoDirector
Peter ProtanDirector
Sarah TotansDirector
Theresa MulliganDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$52,362
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-31,505
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$53,829
Other Expenses$30,038
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$39,468$9,867-$49,335
Payroll Taxes$3,595$899-$4,494
Fees for Services Accounting-$4,172-$4,172
All Other Expenses$1,122$2,812-$3,934
Occupancy$2,400$600-$3,000
Insurance$527$1,348-$1,875
Other Expenses$1,130$283-$1,413
Office Expenses$1,029$257-$1,286
Fees for Services Other$304$76-$380
Depreciation Depletion-$258-$258
Total Functional Expenses$62,404$21,463$0$83,867
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Payroll Liabilities$507
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Peter Protan & Georgia Skevofilax have a family relationship. They met while on our board and have since married.Michael Napolitano & Geraldine Napolitano are husband and wife.”

Form 990, Part VI, Section B, Line 11B

“The completed tax return is reviewed by the governing body.”

Form 990, Part VI, Section B, Line 12C

“Requirements are in the Associates Policy Manual which all employees must read and sign off on annually.”

Form 990, Part VI, Section B, Line 15B

“Determining compensation requires the approval of the independent Board of Directors and is recorded in the Board Minutes. The Governing Body and Officers review comparable compensation data for similar organizations with comparable positions. Contemporaneous documentation regarding compensation is noted in the personnel files.”

Form 990, Part VI, Section C, Line 19

“This information is available upon request.”

Filing and Contact Details

Filer

Filer Name
Debt Counseling Corp
EIN
11-3282205
Phone
6315824300
Address
30 THERESA LANE, PORT JEFFERSON, NY 11777

Signing Officer

Name
Michael Napolitano
Title
President
Signed
2025-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Napolitano
Formed
1995
Legal Domicile
Ny
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
1

Preparer

Firm
Jaman L Kim CPA PC
Address
455 Sunrise Hwy, West Islip, NY 11795
Preparer
Jaman Kim CPA
Phone
6313218370
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IRS990/Desc0The largest service provided by DCC is our credit counseling. Our counseling is performed by Certified Credit Counselors to the general public and focuses on financially educating all individuals who are in need of help no matter their situation. Our organizations counseling service enables consumers to have a better understanding of how and where they are spending their money and what can be done to better their financial situation.Counselors help consumers complete a budget and identify opportunities to pay down their debt. This allows consumers to take an active role in understanding their cash flow; ultimately making their debt more manageable. Social Service referrals are given (if appropriate). Our in-house Education Department researches and writes all of our educational material which is used to support our counseling sessions.If appropriate, a Debt Management Program is suggested and a referral is made to a licensed 501(c)(3) organization. This program has proven to be invaluable to those for whom it is a good fit. Our Certified Credit Counselors continue to educate clients throughout the process as well as after the program is completed for as long as the clients would like. Community outreach is available through our website. All educational programs are geared to specific groups. Examples of Programs that are available include: RESCUE (Resolving, Empowering, and Supplying Counseling to the Underserved through Education) EFFECT (Employees Financial Freedom Education Training) YES (Youth Educational Services) SOS (Saving Our Seniors)Additionally, DCC offers information on such topics as: Understanding Credit Reports Getting Married? Talk Money First How to Prevent Foreclosure Life After Graduation Identity Theft Saving for Retirement Survival Guide: New College Students Parents Guide: How to Raise Financially Responsible Teens Saving for College 101 Senior Citizens Beware: Dont Lose Your Hard Earned Cash Suddenly Single? Suddenly Financially Responsible Considering Bankruptcy?Our educational information and programs are geared to help consumers adapt their budget and spending habits to coincide with life changes which may occur along the way. Its a skill they will be able to use throughout their lifetime.
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IRS990/MissionDesc0It is the mission of Debt Counseling Corp to provide the highest quality of individual education on matters of interest to consumers related to debt, credit and financial management. We strive to treat each consumer as an individual with specific needs. This mission is accomplished through telephonic counseling sessions and outreach through the educational materials available on our website during this time period. It is our goal to teach consumers the skills they need to make better financial decisions not just in the short term but over their lifetime.Counseling is conducted by Certified Credit Counselors and is especially important for those in the lower to moderate income level of the population who might not otherwise have access to this help. The organization's counseling function includes teaching consumers how to have a better understanding of where and when they are spending their money and what can be done to better their financial situation. This allows consumers to take an
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IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02900
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0MICHAEL NAPOLITANO
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IRS990/ProgramServiceRevenueGrp/Desc0DEBT MANAGEMENT FEES
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IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0351582
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt01078021
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/DepreciationAmt032883
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt032883
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt015187
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt015187
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0507
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IRS990ScheduleD/TotalLiabilityAmt0507
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Peter Protan & Georgia Skevofilax have a family relationship. They met while on our board and have since married.Michael Napolitano & Geraldine Napolitano are husband and wife.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The completed tax return is reviewed by the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Requirements are in the Associates Policy Manual which all employees must read and sign off on annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Determining compensation requires the approval of the independent Board of Directors and is recorded in the Board Minutes. The Governing Body and Officers review comparable compensation data for similar organizations with comparable positions. Contemporaneous documentation regarding compensation is noted in the personnel files.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4This information is available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
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IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt030 THERESA LANE
IRS990/USAddress/CityNm0PORT JEFFERSON
IRS990/USAddress/StateAbbreviationCd0NY
IRS990/USAddress/ZIPCd011777
IRS990/VotingMembersGoverningBodyCnt05
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IRS990/WebsiteAddressTxt0DEBTCOUNSELINGCORP.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHAEL NAPOLITANO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DEBT COUNSELING CORP
ReturnHeader/Filer/BusinessNameControlTxt0DEBT
ReturnHeader/Filer/EIN0113282205
ReturnHeader/Filer/PhoneNum06315824300
ReturnHeader/Filer/USAddress/AddressLine1Txt030 THERESA LANE

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