Liabilities / Assets
76th percentile
Higher debt load relative to assets than 76% of similar nonprofits.
Michigan Creditors Bar Association
EIN 20-1958407 • 501(c)6 • Lansing, MI
Profile
See schedule o, statement 5 (1)
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.12x
Liabilities / Revenue
66th percentile
Higher debt load relative to revenue than 66% of similar nonprofits.
Net Margin
78th percentile
Higher net margin than 78% of similar nonprofits.
Top Officer Pay
80th percentile
Higher top officer pay than 80% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
13th percentile
Faster asset growth than 13% of similar nonprofits.
Revenue Growth
92nd percentile
Faster revenue growth than 92% of similar nonprofits.
Balance Sheet
Assets
Up$81,357
Up $48,147 (+145%) from 2024
Liabilities
Up$18,750
Up $14,750 (+369%) from 2024
Net Assets
Up$62,607
Up $33,397 (+114%) from 2024
Revenue
Down$120,199
Down $25,735 (-18%) from 2024
Expenses
Down$86,797
Down $33,997 (-28%) from 2024
Net Income
Up$33,402
Up $8,262 (+33%) from 2024
Trend Graphs
Filings
Most recent year
2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $81,357
- Liabilities
- $18,750
- Net assets
- $62,607
- Revenue
- $120,199
- Expenses
- $86,797
- Net income
- $33,402
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2025 to Dec 31, 2025
- Signed
- Mar 16, 2026
- Return Version
- 2025v4.0
- Gross Receipts
- $137,260
Mission and Program Overview
Mission
The MCBA provides seminars on creditors rights and collection law as well as education and networking opportunities for attorneys, paralegals, judges, court officers and members of the collection industry.
See schedule o, statement 5 (1)
Program Services
| Description | Grants | Expenses |
|---|---|---|
| MCBAS MOST ACTIVE COMMITTEE IS OUR GOVERNMENT AFFAIRS COMMITTEE. WITH THE ASSISTANCE OF OUR LOBBYIST - CONTINUED SCHEDULE O STATEMENT 5(2) | - | $42,000 |
| THE MICHIGAN CREDITORS BAR ASSOCIATION PROVIDES ITS 35 FULL AND 10 ASSOCIATE MEMBER FIRMS WITH EDUCATIONAL SEMINARS AND NETWORKING OPPORTUNITES. | - | $39,637 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| STUART BEST | President | PT | $0 | - | - |
| JASON SIMS | Vice President | PT | $0 | - | - |
| CURTIS A ROBERTSON | Treasurersecretary | PT | $0 | - | - |
| ROBERT GOODMAN | Director | PT | $0 | - | - |
| JOE JAMMAL | Director | PT | $0 | - | - |
| KATHLEEN KLAUS | Director | PT | $0 | - | - |
| ELIZABETH SMITH | Director | PT | $0 | - | - |
| BRIAN TRUBA | Director | PT | $0 | - | - |
| ROBIN ZDRODOWSKI | Director | PT | $0 | - | - |
| MICHAEL BUCKLES | Governmental Affairs Chair | PT | $0 | - | - |
Fundraising, Events, and Gaming
Fundraising Events
| Event | Gross Receipts | Gross Revenue | Direct Expenses | Net Income |
|---|---|---|---|---|
| Golf Outing | $31,100 | $31,100 | $17,061 | $14,039 |
| Total Events | $31,100 | $31,100 | $17,061 | $14,039 |
Filing and Contact Details
Filer
- Filer Name
- Michigan Creditors Bar Association
- EIN
- 20-1958407
- In Care Of
- % CURTIS A ROBERTSON
- Phone
- 5173190342
- Address
- 416 SOUTH CEDAR STREET SUITE H, LANSING, MI 48912
Signing Officer
- Name
- Curtis a Robertson
- Title
- Treasurersecretary
- Phone
- 5173190342
- Signed
- 2026-03-16
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Chapel Company LLC
- Address
- 598 Ramsey Ln, Pleasant Lake, MI 49272
- Preparer
- Randy Chapel
- Phone
- 5174206783
Supplemental Narrative
Additional Explanations
Description of other expenses Part I line 16
“Description AmountGOVERNMENT AFFAIRS 6-1000 42,000WEB SERVICES 6-2550 1,143ASSOCIATION EXPENSE 6-3000 2,634PROGRAM EXPENSES 6-5000 3,652”
Other changes in net assets or fund balances Part I line 20
“Description AmountADJUSTMENT (5)”
Description of total liabilities Part II line 26
“Category Beginning of Year End of YearACCRUED EXPENSES 4,000 0DEFERRED REVENUE 0 18,750”
Part III response or note to any other line in Part III
“(1) to further and promote the image and function of the legal profession engaged in creditors rights law, including but not limited to education and advocacy. To encourage, foster and advance professional practices and ethical conduct and to provide and interchange of ideas for the members. (2) we keep tabs on legislation and court rules that may impact the industry in michigan both positively and negatively. When necessary the association works with legislators or supreme court staff to craft rules and legislation.”
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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
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| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Description AmountGOVERNMENT AFFAIRS 6-1000 42,000WEB SERVICES 6-2550 1,143ASSOCIATION EXPENSE 6-3000 2,634PROGRAM EXPENSES 6-5000 3,652 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Description AmountADJUSTMENT (5) |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Category Beginning of Year End of YearACCRUED EXPENSES 4,000 0DEFERRED REVENUE 0 18,750 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | (1) TO FURTHER AND PROMOTE THE IMAGE AND FUNCTION OF THE LEGAL PROFESSION ENGAGED IN CREDITORS RIGHTS LAW, INCLUDING BUT NOT LIMITED TO EDUCATION AND ADVOCACY. TO ENCOURAGE, FOSTER AND ADVANCE PROFESSIONAL PRACTICES AND ETHICAL CONDUCT AND TO PROVIDE AND INTERCHANGE OF IDEAS FOR THE MEMBERS. (2) WE KEEP TABS ON LEGISLATION AND COURT RULES THAT MAY IMPACT THE INDUSTRY IN MICHIGAN BOTH POSITIVELY AND NEGATIVELY. WHEN NECESSARY THE ASSOCIATION WORKS WITH LEGISLATORS OR SUPREME COURT STAFF TO CRAFT RULES AND LEGISLATION. |
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| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Description of total liabilities Part II line 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Part III response or note to any other line in Part III |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
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| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2026-03-16 |
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| ReturnHeader/Filer/EIN | 0 | 201958407 |
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| ReturnHeader/Filer/USAddress/CityNm | 0 | LANSING |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MI |
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| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 598 Ramsey Ln |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | Pleasant Lake |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 49272 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 5174206783 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2026-03-16 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | RANDY CHAPEL |
| ReturnHeader/PreparerPersonGrp/SelfEmployedInd | 0 | X |
| ReturnHeader/ReturnTs | 0 | 2026-03-16T17:58:12-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2025-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2025-12-31 |
| ReturnHeader/TaxYr | 0 | 2025 |
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