Liabilities / Assets
80th percentile
Higher debt load relative to assets than 80% of similar nonprofits.
Safeguard Credit Counseling Services Inc.
990 • Fiscal year 2016 • EIN 13-4011201
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.62x
Liabilities / Revenue
74th percentile
Higher debt load relative to revenue than 74% of similar nonprofits.
Net Margin
58th percentile
Higher net margin than 58% of similar nonprofits.
Top Officer Pay
85th percentile
Higher top officer pay than 85% of similar nonprofits.
Top officer pay equals 11.5% of source-year revenue.
Asset Growth
85th percentile
Faster asset growth than 85% of similar nonprofits.
Revenue Growth
35th percentile
Faster revenue growth than 35% of similar nonprofits.
Balance Sheet
Assets
Up$677,239
Up $169,057 (+33%) from 2015
Net Assets
Up$259,124
Up $33,111 (+15%) from 2015
Liabilities
Up$418,115
Up $135,946 (+48%) from 2015
Revenue And Expenses
Revenue
Down$1,314,928
Down $5,959 (-0.5%) from 2015
Expenses
Down$1,281,817
Down $8,894 (-0.7%) from 2015
Net Income
Up$33,111
Up $2,935 (+9.7%) from 2015
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2016 to Dec 31, 2016
- Signed
- Mar 6, 2017
- Return Version
- 2016v3.0
- Gross Receipts
- $1,314,928
Mission and Program Overview
Mission
Dedicated to financial counseling and financial literacy education, in addition to diligently providing neighborhood stabilization, home education, and related administrative services and support, which has been focused on assisting consumers and communities reach their goals.
To provide financial counseling and education service to consumers and assist clients with satisfying their financial obligations.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Accounts Receivable | $399,393 | $465,656 | ▲ $66,263 |
| Cash and Non-Interest-Bearing Accounts | $57,579 | $185,194 | ▲ $127,615 |
| Land, Buildings, and Equipment, Net | $21,133 | $12,694 | ▼ $8,439 |
| Prepaid Expenses and Deferred Charges | $24,263 | $7,881 | ▼ $16,382 |
| Total Assets | $508,182 | $677,239 | ▲ $169,057 |
| Other Assets Total | $5,814 | $5,814 | → $0 |
| Liabilities | |||
| Unsecured Notes Loans Payable | $243,489 | $236,880 | ▼ $6,609 |
| Other Liabilities | $1,574 | $126,348 | ▲ $124,774 |
| Accounts Payable and Accrued Expenses | $37,106 | $54,887 | ▲ $17,781 |
| Total Liabilities | $282,169 | $418,115 | ▲ $135,946 |
| Net Assets / Fund Balance | |||
| Unrestricted Net Assets | $226,013 | $259,124 | ▲ $33,111 |
| Total Net Assets Fund Balance | $226,013 | $259,124 | ▲ $33,111 |
| Total Liabilities and Net Assets / Fund Balance | $508,182 | $677,239 | ▲ $169,057 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Other Land Buildings | $12,694 | $196,661 | $209,355 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Michael J Smith | President&se | FT | $151,500 | $151,500 |
| Michael J Smith | President&secretary | - | $151,500 | $151,500 |
| Donald W Mastroianni | V President | - | $135,500 | $135,500 |
| Joseph Fusaro | Asst. V.p. | - | $49,000 | $49,000 |
| Carolyn Mccormack | Asst VP | - | $21,600 | $21,600 |
Board Members and Trustees
| Name | Title |
|---|---|
| Joseph Pantaleo | Trustee |
| Kevin Gates | Trustee |
| Patrick Meehan | Trustee |
| Stephen Riggs | Trustee |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $401,523
- Program Service Revenue
- $913,405
- Investment Income
- $0
- Other Revenue
- $0
- All Other Contributions
- $140,063
- Change in Net Assets
- $33,111
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $1,314,928
- Total Revenue per Audited Statements
- $1,314,928
- Total Revenue per Form 990
- $1,314,928
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $746,824 |
| Other Expenses | $534,993 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $357,116 | - | - | $357,116 |
| Current Officers, Directors, Trustees, and Key Employees | $287,000 | - | - | $287,000 |
| Insurance | $110,348 | - | - | $110,348 |
| All Other Expenses | $73,916 | $2,836 | - | $76,752 |
| Occupancy | $62,743 | $6,972 | - | $69,715 |
| Payroll Taxes | $51,074 | $5,675 | - | $56,749 |
| Other Employee Benefits | $41,363 | $4,596 | - | $45,959 |
| Other Expenses | $24,989 | $2,777 | - | $27,766 |
| Office Expenses | $17,639 | - | - | $17,639 |
| Interest | $14,934 | - | - | $14,934 |
| Depreciation Depletion | $11,018 | - | - | $11,018 |
| Fees for Services Accounting | $7,290 | $810 | - | $8,100 |
| Travel | $7,242 | - | - | $7,242 |
| Fees for Services Legal | $459 | $51 | - | $510 |
| Total Functional Expenses | $1,248,743 | $33,074 | $0 | $1,281,817 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $1,281,817 |
| Total Expenses per Audited Statements | $1,281,817 |
| Total Expenses per Form 990 | $1,281,817 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Lobbying activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Client Trust Funds Payable | $126,348 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- Backup withholding compliance
- Yes
- 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, Page 6, Part VI, Line 11B
“Form 990 is reviewed by a qualified officer of the organization as well as the board of directors at a general meeting.”
Form 990, Page 6, Part VI, Line 12C
“The company expects the undivided loyalty of its associates in the conduct of company business. It is important that associates be free from any financial interests or other relationships that might conflict with the best interests of the company. Accordingly, associates without written approval of their department head and the company's chief executive officer, 1. May not make an investment or have any vested interest in companies that compete with, supply services or products to or purchase services or products from the company. 2. May not serve as officers, directors, employees, agents or consultants of, perform services for or receive income from any enterprise or individual doing business with or competing with the company, or seeking to do so. In fact, without approval and appropriate written disclosure for regulatory purposes, associates may not serve as officers, directors, employees, agents or consultants to any other corporation. The company encourages participation in charitable endeavors and recommends that associates discuss major commitments if they might impinge on the demands oftheir job. 3. May not act in a fiduciary capacity for any client or customer of the company except as agent of the company. 4. May not organize a business for the purpose of doing business with the company or other associates of the company. Associates may not use their position to influence other associates or prospective associates to do business with themselves or any of their relatives. 5. May not give or receive gifts of more than a token value (currently 100.00) that are in any way connected with business relationships. 6. May not receive compensation from outsiders for services or products for which associates are being paid by the company. 7. Must comply with all provisions of federal and state laws as well as all company policies relating to client transactions and associate behavior. 8. May not receive any cash/non-cash compensation from a company doing business with or competing with the company, or seeking to do so, without first obtaining company approval. The above list of conflicts to be avoided cannot be exhaustive, thus when there is the slightest possibility for conflict, associates should discuss the situation with their department head and receive written approval prior to proceeding.”
Form 990, Page 6, Part VI, Line 15A
“The board receives form 990 from other organizations for comparison purposes. Subsequently, a resolution is placed on the agenda of a board meeting, whereby the board will formally vote and approve the compensation to be provided. The outcome of the board vote is included within the minutes of the board meeting.”
Form 990, Page 6, Part VI, Line 15B
“The board receives form 990 from other organizations for comparison purposes. Subsequently, a resolution is placed on the agenda of a board meeting, whereby the board will formally vote and approve the compensation to be provided. The outcome of the board vote is included within the minutes of the board meeting.”
Form 990, Page 6, Part VI, Line 19
“All documents available upon request”
Filing and Contact Details
Filer
- Filer Name
- Safeguard Credit Counseling
- EIN
- 13-4011201
- Phone
- 8006736993
- Address
- 67 FORT SALONGA ROAD, NORTHPORT, NY 11768
Signing Officer
- Name
- Donald W Mastroianni
- Title
- V President
- Phone
- 8006736993
- Signed
- 2017-03-06
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Donald W Mastroianni
- Voting Board Members
- 5
- Independent Board Members
- 4
- Employees
- 13
Preparer
- Firm
- Ross & Company CPA Pllc
- Address
- 5 FLORENCE AVE, SMITHTOWN, NY 11787
- Preparer
- Glen a Ross CPA Cva
- Phone
- 6319793141
Supplemental Narrative
Additional Explanations
Form 990, Page 2, Part III, Line 4D
“See attached statement 3-part iii, line 4a, following form 4562.”
Raw XML AppendixShowing 400 of 418 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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 37106 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 54887 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 399393 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 465656 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE FINANCIAL COUNSELING AND EDUCATION SERVICE TO CONSUMERS AND ASSIST CLIENTS WITH SATISFYING THEIR FINANCIAL OBLIGATIONS. |
| IRS990/AllOtherContributionsAmt | 0 | 140063 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 2836 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 73916 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 76752 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | SAFEGUARD CREDIT COUNSELING SERVICE |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 8006736993 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 67 FORT SALONGA ROAD |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | NORTHPORT |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | NY |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 11768 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 57579 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 185194 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 287000 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 287000 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | true |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 401523 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 0 |
| IRS990/CYOtherExpensesAmt | 0 | 534993 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 913405 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 33111 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 746824 |
| IRS990/CYTotalExpensesAmt | 0 | 1281817 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1314928 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 11018 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 11018 |
| IRS990/Desc | 0 | SEE ATTACHED STATEMENT 3-PART III, LINE 4A, FOLLOWING FORM 4562. |
| IRS990/DescribedInSection501c3Ind | 0 | true |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | false |
| IRS990/EmployeeCnt | 0 | 13 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/ExpenseAmt | 0 | 950725 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 810 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 7290 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 8100 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 51 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 459 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 510 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 65.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 65.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | MICHAEL J SMITH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | STEPHEN RIGGS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | KEVIN GATES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | JOSEPH PANTALEO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | PATRICK MEEHAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | DONALD W MASTROIANNI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | JOSEPH FUSARO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | CAROLYN MCCORMACK |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 151500 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 135500 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 49000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 21600 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | PRESIDENT&SE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | V PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | ASST. V.P. |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | ASST VP |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 5 |
| IRS990/GovernmentGrantsAmt | 0 | 261460 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 1314928 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | true |
| IRS990/IndependentVotingMemberCnt | 0 | 4 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 110348 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 110348 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 14934 |
| IRS990/InterestGrp/TotalAmt | 0 | 14934 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 196661 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 21133 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 12694 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 209355 |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LobbyingActivitiesInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | false |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | TO PROVIDE FINANCIAL COUNSELING AND EDUCATION SERVICE TO CONSUMERS AND ASSIST CLIENTS WITH SATISFYING THEIR FINANCIAL OBLIGATIONS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 226013 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 259124 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 6972 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 62743 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 69715 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 17639 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 17639 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 5814 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 5814 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 4596 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 41363 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 45959 |
| IRS990/OtherExpensesGrp/Desc | 0 | EDUCATION EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 1 | LICENSES |
| IRS990/OtherExpensesGrp/Desc | 2 | GENERAL & ADMINISTRATIVE |
| IRS990/OtherExpensesGrp/Desc | 3 | TELEPHONE |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 9357 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 2777 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 126135 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 32567 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 22910 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 24989 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 126135 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 32567 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 32267 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 27766 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 1574 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 126348 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 357116 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 357116 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 5675 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 51074 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 56749 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 24263 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 7881 |
| IRS990/PrincipalOfficerNm | 0 | DONALD W MASTROIANNI |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | SERVICE FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FAIRSHARE FROM CREDITORS |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | COUNSELING |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | NSF FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | CLIENT REFUNDS & ADJUSTMENTS |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 485930 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 422499 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 4561 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 645 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 4 | -230 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 485930 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 422499 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 4561 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 645 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | -230 |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | SEE ATTACHED STATEMENT 3-PART III, LINE 4A, FOLLOWING FORM 4562. |
| IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt | 0 | 298018 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYContributionsGrantsAmt | 0 | 387389 |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYOtherExpensesAmt | 0 | 477729 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 933498 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 30176 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 812982 |
| IRS990/PYTotalExpensesAmt | 0 | 1290711 |
| IRS990/PYTotalRevenueAmt | 0 | 1320887 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 33111 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt | 0 | 401523 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt | 0 | 387389 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 478250 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 593505 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 547620 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt | 0 | 2408287 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 913405 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 933498 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 869926 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 672244 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 772566 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 4161639 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.00000 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.00000 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 6569926 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 1314928 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 1320887 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 1348176 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 1265749 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 1320186 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 6569926 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 1314928 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 1320887 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 1348176 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 1265749 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 1320186 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 6569926 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | false |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 1281817 |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | false |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 12694 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 196661 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 209355 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 126348 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | CLIENT TRUST FUNDS PAYABLE |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 1314928 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 12694 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 1281817 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 126348 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 1314928 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 1314928 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 1281817 |
| IRS990ScheduleJ/AnyNonFixedPaymentsInd | 0 | false |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd | 0 | false |
| IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd | 0 | false |
| IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd | 0 | false |
| IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd | 0 | false |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990ScheduleJ/Form990OfOtherOrganizationsInd | 0 | X |
| IRS990ScheduleJ/InitialContractExceptionInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 151500 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | MICHAEL J SMITH |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT&SECRETARY |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 151500 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | SEE ATTACHED STATEMENT 3-PART III, LINE 4A, FOLLOWING FORM 4562. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | FORM 990 IS REVIEWED BY A QUALIFIED OFFICER OF THE ORGANIZATION AS WELL AS THE BOARD OF DIRECTORS AT A GENERAL MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE COMPANY EXPECTS THE UNDIVIDED LOYALTY OF ITS ASSOCIATES IN THE CONDUCT OF COMPANY BUSINESS. IT IS IMPORTANT THAT ASSOCIATES BE FREE FROM ANY FINANCIAL INTERESTS OR OTHER RELATIONSHIPS THAT MIGHT CONFLICT WITH THE BEST INTERESTS OF THE COMPANY. ACCORDINGLY, ASSOCIATES WITHOUT WRITTEN APPROVAL OF THEIR DEPARTMENT HEAD AND THE COMPANY'S CHIEF EXECUTIVE OFFICER, 1. MAY NOT MAKE AN INVESTMENT OR HAVE ANY VESTED INTEREST IN COMPANIES THAT COMPETE WITH, SUPPLY SERVICES OR PRODUCTS TO OR PURCHASE SERVICES OR PRODUCTS FROM THE COMPANY. 2. MAY NOT SERVE AS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR CONSULTANTS OF, PERFORM SERVICES FOR OR RECEIVE INCOME FROM ANY ENTERPRISE OR INDIVIDUAL DOING BUSINESS WITH OR COMPETING WITH THE COMPANY, OR SEEKING TO DO SO. IN FACT, WITHOUT APPROVAL AND APPROPRIATE WRITTEN DISCLOSURE FOR REGULATORY PURPOSES, ASSOCIATES MAY NOT SERVE AS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR CONSULTANTS TO ANY OTHER CORPORATION. THE COMPANY ENCOURAGES PARTICIPATION IN CHARITABLE ENDEAVORS AND RECOMMENDS THAT ASSOCIATES DISCUSS MAJOR COMMITMENTS IF THEY MIGHT IMPINGE ON THE DEMANDS OFTHEIR JOB. 3. MAY NOT ACT IN A FIDUCIARY CAPACITY FOR ANY CLIENT OR CUSTOMER OF THE COMPANY EXCEPT AS AGENT OF THE COMPANY. 4. MAY NOT ORGANIZE A BUSINESS FOR THE PURPOSE OF DOING BUSINESS WITH THE COMPANY OR OTHER ASSOCIATES OF THE COMPANY. ASSOCIATES MAY NOT USE THEIR POSITION TO INFLUENCE OTHER ASSOCIATES OR PROSPECTIVE ASSOCIATES TO DO BUSINESS WITH THEMSELVES OR ANY OF THEIR RELATIVES. 5. MAY NOT GIVE OR RECEIVE GIFTS OF MORE THAN A TOKEN VALUE (CURRENTLY 100.00) THAT ARE IN ANY WAY CONNECTED WITH BUSINESS RELATIONSHIPS. 6. MAY NOT RECEIVE COMPENSATION FROM OUTSIDERS FOR SERVICES OR PRODUCTS FOR WHICH ASSOCIATES ARE BEING PAID BY THE COMPANY. 7. MUST COMPLY WITH ALL PROVISIONS OF FEDERAL AND STATE LAWS AS WELL AS ALL COMPANY POLICIES RELATING TO CLIENT TRANSACTIONS AND ASSOCIATE BEHAVIOR. 8. MAY NOT RECEIVE ANY CASH/NON-CASH COMPENSATION FROM A COMPANY DOING BUSINESS WITH OR COMPETING WITH THE COMPANY, OR SEEKING TO DO SO, WITHOUT FIRST OBTAINING COMPANY APPROVAL. THE ABOVE LIST OF CONFLICTS TO BE AVOIDED CANNOT BE EXHAUSTIVE, THUS WHEN THERE IS THE SLIGHTEST POSSIBILITY FOR CONFLICT, ASSOCIATES SHOULD DISCUSS THE SITUATION WITH THEIR DEPARTMENT HEAD AND RECEIVE WRITTEN APPROVAL PRIOR TO PROCEEDING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE BOARD RECEIVES FORM 990 FROM OTHER ORGANIZATIONS FOR COMPARISON PURPOSES. SUBSEQUENTLY, A RESOLUTION IS PLACED ON THE AGENDA OF A BOARD MEETING, WHEREBY THE BOARD WILL FORMALLY VOTE AND APPROVE THE COMPENSATION TO BE PROVIDED. THE OUTCOME OF THE BOARD VOTE IS INCLUDED WITHIN THE MINUTES OF THE BOARD MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE BOARD RECEIVES FORM 990 FROM OTHER ORGANIZATIONS FOR COMPARISON PURPOSES. SUBSEQUENTLY, A RESOLUTION IS PLACED ON THE AGENDA OF A BOARD MEETING, WHEREBY THE BOARD WILL FORMALLY VOTE AND APPROVE THE COMPENSATION TO BE PROVIDED. THE OUTCOME OF THE BOARD VOTE IS INCLUDED WITHIN THE MINUTES OF THE BOARD MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | ALL DOCUMENTS AVAILABLE UPON REQUEST |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PAGE 2, PART III, LINE 4D |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | CA |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 1 | IA |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 2 | IL |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 3 | KY |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 4 | MD |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 5 | MN |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 6 | NY |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 7 | OH |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 8 | PA |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 9 | SC |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 10 | TX |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 11 | VT |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 12 | WI |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 508182 |
| IRS990/TotalAssetsEOYAmt | 0 | 677239 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 508182 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 677239 |
| IRS990/TotalCompGreaterThan150KInd | 0 | true |
| IRS990/TotalContributionsAmt | 0 | 401523 |
| IRS990/TotalEmployeeCnt | 0 | 13 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 33074 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 1248743 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1281817 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 282169 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 418115 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 282169 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 418115 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 226013 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 259124 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 298018 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 1248743 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 913405 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 357600 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 913405 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1314928 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 508182 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 677239 |
| IRS990/TravelGrp/ProgramServicesAmt | 0 | 7242 |
| IRS990/TravelGrp/TotalAmt | 0 | 7242 |
| IRS990/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UnrestrictedNetAssetsGrp/BOYAmt | 0 | 226013 |
| IRS990/UnrestrictedNetAssetsGrp/EOYAmt | 0 | 259124 |
| IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt | 0 | 243489 |
| IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt | 0 | 236880 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 5 |
| IRS990/VotingMembersIndependentCnt | 0 | 4 |
| IRS990/WebsiteAddressTxt | 0 | WWW.SAFEGUARDCREDIT.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2017-02-10 21:41:12Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | DONALD W MASTROIANNI |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | V PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 8006736993 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2017-03-06 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | SAFEGUARD CREDIT COUNSELING |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt | 0 | SERVICES INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | SAFE |
| ReturnHeader/Filer/EIN | 0 | 134011201 |
| ReturnHeader/Filer/PhoneNum | 0 | 8006736993 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 67 FORT SALONGA ROAD |
| ReturnHeader/Filer/USAddress/CityNm | 0 | NORTHPORT |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $677,239
- Liabilities
- $418,115
- Net assets
- $259,124
- Revenue
- $1,314,928
- Expenses
- $1,281,817
- Net income
- $33,111