Liabilities / Assets
99th percentile
Higher debt load relative to assets than 99% of similar nonprofits.
990 • Fiscal year 2019 • EIN 20-3424094
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
99th percentile
Higher debt load relative to assets than 99% of similar nonprofits.
Liabilities / Revenue
92nd percentile
Higher debt load relative to revenue than 92% of similar nonprofits.
Net Margin
37th percentile
Higher net margin than 37% of similar nonprofits.
Top Officer Pay
98th percentile
Higher top officer pay than 98% of similar nonprofits.
Top officer pay equals 21.3% of source-year revenue.
Asset Growth
32nd percentile
Faster asset growth than 32% of similar nonprofits.
Revenue Growth
42nd percentile
Faster revenue growth than 42% of similar nonprofits.
Assets
Down$32,410
Down $2,605 (-7.4%) from 2018
Net Assets
Down-$167,545
Down $6,291 (-3.9%) from 2018
Liabilities
Up$199,955
Up $3,686 (+1.9%) from 2018
Revenue
Down$469,220
Down $19,070 (-3.9%) from 2018
Expenses
Down$475,511
Down $24,525 (-4.9%) from 2018
Net Income
Up-$6,291
Up $5,455 (+46%) from 2018
To provide financial management education and training, including counseling on responsible use of credit, availability of credit counseling, and assist in budgetary analysis, to financially troubled individuals and families.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Loans From Officers Directors | $138,643 | $134,361 | ▼ $4,282 |
| Accounts Receivable | $21,862 | $14,885 | ▼ $6,977 |
| Cash and Non-Interest-Bearing Accounts | $4,149 | $8,766 | ▲ $4,617 |
| Land, Buildings, and Equipment, Net | $1,123 | $2,563 | ▲ $1,440 |
| Total Assets | $35,015 | $32,410 | ▼ $2,605 |
| Other Assets Total | $7,881 | $6,196 | ▼ $1,685 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $57,626 | $65,594 | ▲ $7,968 |
| Total Liabilities | $196,269 | $199,955 | ▲ $3,686 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $-161,254 | $-167,545 | ▼ $6,291 |
| Total Net Assets Fund Balance | $-161,254 | $-167,545 | ▼ $6,291 |
| Total Liabilities and Net Assets / Fund Balance | $35,015 | $32,410 | ▼ $2,605 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $2,563 | $97,756 | $100,319 |
| Other Assets Org | $905 | - | - |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Richard Mauk | President | FT | $100,104 | $100,104 |
| Scott Whyrick | Member,VP,se | FT | $90,668 | $90,668 |
| Name | Title |
|---|---|
| David Donaldson | Member |
| David Herring | Member |
| Judy Moring | Member |
| Lila Hackett | Member |
| The Honorable Arthur J Hanes | Member |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $305,505 |
| Other Expenses | $170,006 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | $95,386 | $95,386 | - | $190,772 |
| Other Salaries and Wages | $71,484 | - | - | $71,484 |
| Occupancy | $39,389 | $9,847 | - | $49,236 |
| Other Employee Benefits | $13,128 | $9,406 | - | $22,534 |
| Payroll Taxes | $13,181 | $7,534 | - | $20,715 |
| All Other Expenses | $8,034 | $5,961 | - | $13,995 |
| Office Expenses | $7,769 | $863 | - | $8,632 |
| Other Expenses | $7,572 | $841 | - | $8,413 |
| Conferences and Meetings | $1,348 | $4,044 | - | $5,392 |
| Interest | - | $5,362 | - | $5,362 |
| Fees for Services Accounting | - | $5,350 | - | $5,350 |
| Information Technology | $2,899 | $322 | - | $3,221 |
| Insurance | $2,321 | $258 | - | $2,579 |
| Fees for Services Legal | - | $550 | - | $550 |
| Depreciation Depletion | $381 | $42 | - | $423 |
| Travel | $11 | $33 | - | $44 |
| Total Functional Expenses | $324,833 | $150,678 | $0 | $475,511 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Interested Party | Relationship | Description | Shared Revenue | Amount |
|---|---|---|---|---|
| Richard Mauk | President | Loans for Business | No | - |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Loans from Officers, Directors, Trustees, and Key Employees | $138,643 | $134,361 | ▼ $4,282 |
“The organization provides a copy of the return to each board member via email, which they can review individually. If they have any questions, they contact the president of the organization for resolution.”
“The organization monitors the policy by questionnaire.”
“The board members review comparables of other not for profit officers before determining the salary of the president.”
“The board members review comparables of other not for profit officers before determining the salary of the other officers.”
“The organization files the forms with the department of justice's executive office of the u.s. Trustees and upon request.”
“To provide financial management education and training, including counseling on responsible use of credit, availability of credit counseling, and assist in budgetary analysis, to financially troubled individuals and families.”
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 | true |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 57626 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 65594 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 21862 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 14885 |
| IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE FINANCIAL MANAGEMENT EDUCATION AND TRAINING, INCLUDING COUNSELING ON RESPONSIBLE USE OF CREDIT, AVAILABILITY OF CREDIT COUNSELING, AND ASSIST IN BUDGETARY ANALYSIS, TO FINANCIALLY TROUBLED INDIVIDUALS AND FAMILIES. |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 5961 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 8034 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 13995 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | false |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | RICHARD MAUK |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2053212822 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3425 5TH AVENUE SOUTH |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | BIRMINGHAM |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | AL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 352222312 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | true |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 4149 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 8766 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 95386 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 95386 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 190772 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt | 0 | 4044 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 1348 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 5392 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 0 |
| IRS990/CYOtherExpensesAmt | 0 | 170006 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 469220 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -6291 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 305505 |
| IRS990/CYTotalExpensesAmt | 0 | 475511 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 469220 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 42 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 381 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 423 |
| IRS990/Desc | 0 | COMPANY PERSONNEL INTERVIEW CLIENTS AND PROVIDE ANALYSIS OF THE FINANCIAL SITUATION. THEY PROVIDE AN ACTION PLAN TO ASSIST IN MEETING BUDGETED GOALS. |
| IRS990/DescribedInSection501c3Ind | 0 | true |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | false |
| IRS990/EmployeeCnt | 0 | 5 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/ExpenseAmt | 0 | 324833 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 5350 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 5350 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 550 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 550 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form1098CFiledInd | 0 | false |
| IRS990/Form8282PropertyDisposedOfInd | 0 | false |
| IRS990/Form8899Filedind | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 40.00 |
| 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/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | 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/PersonNm | 0 | RICHARD MAUK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | SCOTT WHYRICK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | DAVID DONALDSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | LILA HACKETT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | THE HONORABLE ARTHUR J HANES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | DAVID HERRING |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | JUDY MORING |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 100104 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 90668 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| 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/TitleTxt | 0 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | MEMBER,VP,SE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | MEMBER |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/FormationYr | 0 | 2005 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 469220 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt | 0 | 322 |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 2899 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 3221 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 258 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 2321 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 2579 |
| IRS990/InterestGrp/ManagementAndGeneralAmt | 0 | 5362 |
| IRS990/InterestGrp/TotalAmt | 0 | 5362 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 1 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 97756 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1123 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2563 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 100319 |
| IRS990/LegalDomicileStateCd | 0 | AL |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 138643 |
| IRS990/LoansFromOfficersDirectorsGrp/EOYAmt | 0 | 134361 |
| 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 MANAGEMENT EDUCATION AND TRAINING, INCLUDING COUNSELING ON RESPONSIBLE USE OF CREDIT, AVAILABILITY OF CREDIT COUNSELING, AND ASSIST IN BUDGETARY ANALYSIS, TO FINANCIALLY TROUBLED INDIVIDUALS AND FAMILIES. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | -161254 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | -167545 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | -161254 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | -167545 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 9847 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 39389 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 49236 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 863 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 7769 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 8632 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 7881 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 6196 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 9406 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 13128 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 22534 |
| IRS990/OtherExpensesGrp/Desc | 0 | TELEPHONE |
| IRS990/OtherExpensesGrp/Desc | 1 | BOOKKEEPING |
| IRS990/OtherExpensesGrp/Desc | 2 | MERCHANT CREDIT CARD FEES |
| IRS990/OtherExpensesGrp/Desc | 3 | SUPPLIES |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 2535 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 2344 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 841 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 22814 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 21097 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 18019 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 7572 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 25349 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 23441 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 18019 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 8413 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 71484 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 71484 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | false |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 7534 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 13181 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 20715 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrincipalOfficerNm | 0 | RICHARD MAUK |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 541900 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | CREDIT COUNSELING SERVICE |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 469220 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 469220 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 1 |
| IRS990/PYOtherExpensesAmt | 0 | 166452 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 488289 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -11746 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 333584 |
| IRS990/PYTotalExpensesAmt | 0 | 500036 |
| IRS990/PYTotalRevenueAmt | 0 | 488290 |
| IRS990/QuidProQuoContributionsInd | 0 | false |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | false |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -6291 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | true |
| IRS990/ReportOtherLiabilitiesInd | 0 | false |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RevenueAmt | 0 | 469220 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 469220 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 488290 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 497687 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 517442 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 559073 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 2531712 |
| 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 | 2531712 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 469220 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 488290 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 497687 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 517442 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 559073 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 2531712 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 469220 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 488290 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 497687 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 517442 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 559073 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 2531712 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 2563 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 97756 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 100319 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 4291 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 1 | 1000 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 2 | 905 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | DEPOSITS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 1 | PREPAID INSURANCE |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 2 | EMPLOYEE RECEIVABLE |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2563 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 6196 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm | 0 | RICHARD MAUK |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt | 0 | PRESIDENT |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 0 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc | 0 | LOANS FOR BUSINESS |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 70160 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 64201 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | FUNDS USED TO START THE BUSINESS |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | FUNDS USED FOR BUSINESS OPERATIONS |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 150000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 80069 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | RICHARD MAUK |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | RICHARD MAUK |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | true |
| IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt | 0 | SCHEDULE L, PART II, LOANS TO AND FROM INTERESTED PERSONS: (A) NAME OF PERSON: RICHARD MAUK (A) PURPOSE OF LOAN: FUNDS USED TO START THE BUSINESS; FUNDS NEEDED FOR OPERATIONS |
| IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE L, PART V |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 134361 |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | TO PROVIDE FINANCIAL MANAGEMENT EDUCATION AND TRAINING, INCLUDING COUNSELING ON RESPONSIBLE USE OF CREDIT, AVAILABILITY OF CREDIT COUNSELING, AND ASSIST IN BUDGETARY ANALYSIS, TO FINANCIALLY TROUBLED INDIVIDUALS AND FAMILIES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE ORGANIZATION PROVIDES A COPY OF THE RETURN TO EACH BOARD MEMBER VIA EMAIL, WHICH THEY CAN REVIEW INDIVIDUALLY. IF THEY HAVE ANY QUESTIONS, THEY CONTACT THE PRESIDENT OF THE ORGANIZATION FOR RESOLUTION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE ORGANIZATION MONITORS THE POLICY BY QUESTIONNAIRE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE BOARD MEMBERS REVIEW COMPARABLES OF OTHER NOT FOR PROFIT OFFICERS BEFORE DETERMINING THE SALARY OF THE PRESIDENT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE BOARD MEMBERS REVIEW COMPARABLES OF OTHER NOT FOR PROFIT OFFICERS BEFORE DETERMINING THE SALARY OF THE OTHER OFFICERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE ORGANIZATION FILES THE FORMS WITH THE DEPARTMENT OF JUSTICE'S EXECUTIVE OFFICE OF THE U.S. TRUSTEES AND UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990 - ORGANIZATION'S MISSION |
| 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 | AL |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 35015 |
| IRS990/TotalAssetsEOYAmt | 0 | 32410 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 35015 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 32410 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 5 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 150678 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 324833 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 475511 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 196269 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 199955 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 196269 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 199955 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | -161254 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | -167545 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 324833 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 469220 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 190772 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 469220 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 469220 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 35015 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 32410 |
| IRS990/TravelGrp/ManagementAndGeneralAmt | 0 | 33 |
| IRS990/TravelGrp/ProgramServicesAmt | 0 | 11 |
| IRS990/TravelGrp/TotalAmt | 0 | 44 |
| IRS990/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 5 |
| IRS990/WebsiteAddressTxt | 0 | WWW.CFEFA.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2021-01-29 14:40:06Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | RICHARD MAUK |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2053212822 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2020-11-04 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | CONSUMER FINANCIAL EDUCATION |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt | 0 | FOUNDATION OF AMERICA INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | CONS |
| ReturnHeader/Filer/EIN | 0 | 203424094 |
| ReturnHeader/Filer/PhoneNum | 0 | 2053212822 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 3425 5TH AVENUE SOUTH |
| ReturnHeader/Filer/USAddress/CityNm | 0 | BIRMINGHAM |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | AL |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 352222312 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | 18EAD9CF52C77761618CF431EA2D7FD20F819E3B |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | F1904A3CB132C50307553794F802908C931288AC |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 71.8.33.194 |
| ReturnHeader/FilingSecurityInformation/IPDt | 0 | 2020-11-10 |
| ReturnHeader/FilingSecurityInformation/IPTimezoneCd | 0 | CS |
| ReturnHeader/FilingSecurityInformation/IPTm | 0 | 15:54:18 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 630942838 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | CHRISTIAN & DENABURG PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 2649 ROCKY RIDGE LANE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | BIRMINGHAM |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | AL |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 35216 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 2059678901 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2020-11-10 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | EDMOND R DENABURG |
| ReturnHeader/ReturnTs | 0 | 2020-11-10T15:54:18-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2019-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2019-12-31 |
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Displayed year
2019 • Form 990Detailed filing. Detailed filing data is available for this year.