Civic Intelligence

Association for Consumer Debt Relief

990 • Fiscal year 2024 • EIN 20-3796648

Jan 01, 2024 to Dec 31, 2024 • Filed on May 12, 2025

Organization ProfileAA4DR.ORG

View Organization Page

1 Thomas Circle NW Suite 700Washington, DC 20005

(888) 657-8272

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

11th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2024 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

12th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2024 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2024

Net Margin

43rd percentile

2.5%

Higher net margin than 43% of similar nonprofits.

2024 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

29th percentile

$0

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2024 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2024

Asset Growth

48th percentile

5.2%

Faster asset growth than 48% of similar nonprofits.

2024 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

69th percentile

14%

Faster revenue growth than 69% of similar nonprofits.

2024 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$2,488,757

Up $123,942 (+5.2%) from 2023

Net Assets

Up

$2,488,757

Up $123,942 (+5.2%) from 2023

Liabilities

Flat

$0

Flat from 2023

Revenue And Expenses
Liabilities / Revenue12th percentileNet Margin43rd percentile

Revenue

Up

$4,882,709

Up $590,207 (+14%) from 2023

Expenses

Up

$4,758,767

Up $1,012,210 (+27%) from 2023

Net Income

Down

$123,942

Down $422,003 (-77%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth48th percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $100,222Liabilities 2010: $0Net Assets 2010: $100,2222010Assets 2011: $112,838Liabilities 2011: $0Net Assets 2011: $112,8382011Assets 2012: $244,622Liabilities 2012: $0Net Assets 2012: $244,6222012Assets 2013: $123,687Liabilities 2013: $0Net Assets 2013: $123,6872013Assets 2014: $276,354Liabilities 2014: $0Net Assets 2014: $276,3542014Assets 2015: $455,114Liabilities 2015: $0Net Assets 2015: $455,1142015Assets 2016: $947,261Liabilities 2016: $0Net Assets 2016: $947,2612016Assets 2017: $1,306,173Liabilities 2017: $0Net Assets 2017: $1,306,1732017Assets 2018: $1,656,572Liabilities 2018: $0Net Assets 2018: $1,656,5722018Assets 2019: $2,018,629Liabilities 2019: $0Net Assets 2019: $2,018,6292019Assets 2020: $1,538,019Liabilities 2020: $0Net Assets 2020: $1,538,0192020Assets 2021: $1,343,819Liabilities 2021: $7,294Net Assets 2021: $1,336,5252021Assets 2022: $1,820,342Liabilities 2022: $1,472Net Assets 2022: $1,818,8702022Assets 2023: $2,364,815Liabilities 2023: $0Net Assets 2023: $2,364,8152023Assets 2024: $2,488,757Liabilities 2024: $0Net Assets 2024: $2,488,7572024

Highlighted filing

2024

Assets$2,488,757
Liabilities$0
Net Assets$2,488,757
Open 2024 Filing

Operations Trend

Revenue Growth69th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,288,0252010Expenses 2011: $639,5432011Expenses 2012: $661,2212012Revenue 2013: $635,015Expenses 2013: $755,950Net Income 2013: -$120,9352013Revenue 2014: $611,200Expenses 2014: $458,533Net Income 2014: $152,6672014Revenue 2015: $716,292Expenses 2015: $537,532Net Income 2015: $178,7602015Revenue 2016: $832,484Expenses 2016: $340,337Net Income 2016: $492,1472016Revenue 2017: $1,052,662Expenses 2017: $693,750Net Income 2017: $358,9122017Revenue 2018: $1,360,644Expenses 2018: $1,010,245Net Income 2018: $350,3992018Revenue 2019: $2,086,016Expenses 2019: $1,723,959Net Income 2019: $362,0572019Revenue 2020: $1,760,756Expenses 2020: $2,241,369Net Income 2020: -$480,6132020Revenue 2021: $2,517,641Expenses 2021: $2,719,135Net Income 2021: -$201,4942021Revenue 2022: $3,144,238Expenses 2022: $2,661,893Net Income 2022: $482,3452022Revenue 2023: $4,292,502Expenses 2023: $3,746,557Net Income 2023: $545,9452023Revenue 2024: $4,882,709Expenses 2024: $4,758,767Net Income 2024: $123,9422024

Highlighted filing

2024

Revenue$4,882,709
Expenses$4,758,767
Net Income$123,942
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 12, 2025
Return Version
2024v5.0
Gross Receipts
$4,882,709
Mission and Program Overview

Mission

To ensure consumers in every state have access to high-quality accredited debt relief services.

To advocate for indebted consumers and lobby for fair debt resolution legislation. Establish and maintain standards of excellence that protects consumer and members rights.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$827,397$2,034,494▲ $1,207,097
Cash and Non-Interest-Bearing Accounts$1,537,418$454,263▼ $1,083,155
Total Assets$2,364,815$2,488,757▲ $123,942
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,364,815$2,488,757▲ $123,942
Total Net Assets Fund Balance$2,364,815$2,488,757▲ $123,942
Total Liabilities and Net Assets / Fund Balance$2,364,815$2,488,757▲ $123,942
Compensation and Service Providers
Top Officer Pay29th percentile

Board Members and Trustees

NameTitle
Dan FrazierChairman
Robby BirnbaumVice Chairma
Andrew SchmidtkeDirector
Diane ChenDirector
Lori LasherDirector
Mohit SofatDirector
Natalia BrownDirector
Sean FoxDirector
Yolanda SchuffordDirector
David GreenSecretary
Bradley SmithTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,825,612
Investment Income
$57,097
Other Revenue
$0
Change in Net Assets
$123,942
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,417,814
Salaries, Compensation, and Employee Benefits$995,567
Grants and Similar Amounts Paid$345,386
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Lobbying$1,795,726--$1,795,726
Other Salaries and Wages$850,840--$850,840
Conferences and Meetings$711,319$25,664-$736,983
Fees for Services Other$538,705--$538,705
Grants to Domestic Orgs$345,386--$345,386
Travel$73,484--$73,484
Other Employee Benefits$58,219--$58,219
Payroll Taxes$54,415--$54,415
Fees for Services Legal$53,620--$53,620
Pension Plan Contributions$32,093--$32,093
Fees for Services Accounting-$23,400-$23,400
Office Expenses-$23,036-$23,036
Insurance-$12,927-$12,927
Information Technology$7,923--$7,923
Other Expenses$5,400$20,759-$5,400
All Other Expenses$1,826$1,225-$3,051
Total Functional Expenses$4,528,956$229,811$0$4,758,767
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Campaign Contributions---$217,500
Government Affairs---$96,136
Charitable Donations---$31,750
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
In-house lobbying only
No
Subject to proxy tax
Yes

Reported Spending and Taxes

Line ItemAmount
Current Year Nondeductible Lobbying and Political Cost$2,169,290
Total Nondeductible Lobbying and Political Cost$2,169,290
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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 6

“There are four clases of members: accredited, regular, vendor and industry alliance.”

Form 990, Page 6, Part VI, Line 7A

“Accredited, regular, and vendor members have the power to elect and remove members of the executive board of directors.”

Form 990, Page 6, Part VI, Line 9

“Robby birnbaum 100 w cypress creek rd, suite 700 fort lauderdale, fl 33309 mohit sofat 2001 westside parkway alpharetta, ga 30004 sean fox 1875 s grant street san mateo, ca 94402 yolanda schufford 7322 sw freeway houston, tx 77074 dan frazier 2000 commerce loop n. Huntingdon, pa 15642 bradley smith 2101 business center drive, ste 120 irvine, ca 92612 andrew schmidtke 15 w 6th st tulsa, ok 74119 david green 7100 west camino real boca raton, fl 33433 diane chen 3824 casey leigh lane raleigh, nc 27612 natalia brown 50 morningside avenue new york, ny 10026 lori lasher 1200 morris drive chesterbrook, pa 19087”

Form 990, Page 6, Part VI, Line 11B

“Form 990 reviewed by signer and board to ensure all statements are true and correct to the best of their knowledge.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and financial statements are available to the public by request.”

Filing and Contact Details

Filer

Filer Name
American Association for Debt
EIN
20-3796648
Phone
8886578272
Address
1 THOMAS CIRCLE NW SUITE 700, WASHINGTON, DC 20005

Signing Officer

Name
Dan Frazier
Title
Chairman
Phone
8886578272
Signed
2025-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dan Frazier
Formed
2005
Legal Domicile
TX
Voting Board Members
10
Independent Board Members
10
Employees
5

Preparer

Firm
The Keenan Group
Address
41 W OTTERMAN ST STE 310, GREENSBURG, PA 15601
Preparer
Amy Caldwell CPA
Phone
7248328585
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Promote good practice in the debt settlement industry.”

Form 990, Part IX, Line 11G

“Project runway 78,167 0 0 digital advertising 453,488 0 0 digital creative 7,050 0 0 total 538,705 0 0”

Raw XML Appendix364 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.

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IRS990/PYProgramServiceRevenueAmt04286921
IRS990/PYRevenuesLessExpensesAmt0545945
IRS990/PYSalariesCompEmpBnftPaidAmt0513870
IRS990/PYTotalExpensesAmt03746557
IRS990/PYTotalRevenueAmt04292502
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IRS990ScheduleC/NonDeductibleLbbyngPltclTotAmt02169290
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IRS990ScheduleC/SubstantiallyAllDuesNondedInd0false
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IRS990ScheduleI/RecipientTable/CashGrantAmt0217500
IRS990ScheduleI/RecipientTable/CashGrantAmt131750
IRS990ScheduleI/RecipientTable/CashGrantAmt296136
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0CAMPAIGN CONTRIBUTIONS
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt1CHARITABLE DONATIONS
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt2GOVERNMENT AFFAIRS
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROMOTE GOOD PRACTICE IN THE DEBT SETTLEMENT INDUSTRY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THERE ARE FOUR CLASES OF MEMBERS: ACCREDITED, REGULAR, VENDOR AND INDUSTRY ALLIANCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ACCREDITED, REGULAR, AND VENDOR MEMBERS HAVE THE POWER TO ELECT AND REMOVE MEMBERS OF THE EXECUTIVE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ROBBY BIRNBAUM 100 W CYPRESS CREEK RD, SUITE 700 FORT LAUDERDALE, FL 33309 MOHIT SOFAT 2001 WESTSIDE PARKWAY ALPHARETTA, GA 30004 SEAN FOX 1875 S GRANT STREET SAN MATEO, CA 94402 YOLANDA SCHUFFORD 7322 SW FREEWAY HOUSTON, TX 77074 DAN FRAZIER 2000 COMMERCE LOOP N. HUNTINGDON, PA 15642 BRADLEY SMITH 2101 BUSINESS CENTER DRIVE, STE 120 IRVINE, CA 92612 ANDREW SCHMIDTKE 15 W 6TH ST TULSA, OK 74119 DAVID GREEN 7100 WEST CAMINO REAL BOCA RATON, FL 33433 DIANE CHEN 3824 CASEY LEIGH LANE RALEIGH, NC 27612 NATALIA BROWN 50 MORNINGSIDE AVENUE NEW YORK, NY 10026 LORI LASHER 1200 MORRIS DRIVE CHESTERBROOK, PA 19087
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FORM 990 REVIEWED BY SIGNER AND BOARD TO ENSURE ALL STATEMENTS ARE TRUE AND CORRECT TO THE BEST OF THEIR KNOWLEDGE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC BY REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6PROJECT RUNWAY 78,167 0 0 DIGITAL ADVERTISING 453,488 0 0 DIGITAL CREATIVE 7,050 0 0 TOTAL 538,705 0 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
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IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt02488757
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IRS990/TotalAssetsGrp/EOYAmt02488757
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt04528956
IRS990/TotalFunctionalExpensesGrp/TotalAmt04758767
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IRS990/TotalProgramServiceRevenueAmt04825612
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IRS990/TravelGrp/TotalAmt073484
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IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02000 COMMERCE LOOP
IRS990/USAddress/AddressLine2Txt0SUITE 2111
IRS990/USAddress/CityNm0N HUNTINGDON
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd015642
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WebsiteAddressTxt0AA4DR.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DAN FRAZIER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum08886578272
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0AMERICAN ASSOCIATION FOR DEBT
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0RESOLUTION
ReturnHeader/Filer/BusinessNameControlTxt0AMER
ReturnHeader/Filer/EIN0203796648
ReturnHeader/Filer/PhoneNum08886578272
ReturnHeader/Filer/USAddress/AddressLine1Txt01 THOMAS CIRCLE NW SUITE 700
ReturnHeader/Filer/USAddress/CityNm0WASHINGTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0DC
ReturnHeader/Filer/USAddress/ZIPCd020005
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0251818418
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0THE KEENAN GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt041 W OTTERMAN ST STE 310
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0GREENSBURG
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd015601
ReturnHeader/PreparerPersonGrp/PhoneNum07248328585
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMY CALDWELL CPA
ReturnHeader/ReturnTs02025-05-15T10:40:08-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$2,488,757
Liabilities
$0
Net assets
$2,488,757
Revenue
$4,882,709
Expenses
$4,758,767
Net income
$123,942
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.49$0.00$2.49$4.88$4.76$0.12
2023Summary only. Only limited summary data is available for this year.$2.36$0.00$2.36$4.29$3.75$0.55
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.82$0.00$1.82$3.14$2.66$0.48
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.34$0.01$1.34$2.52$2.72$0.20
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.54$0.00$1.54$1.76$2.24$0.48
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.02$0.00$2.02$2.09$1.72$0.36
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.66$0.00$1.66$1.36$1.01$0.35
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.31$0.00$1.31$1.05$0.69$0.36
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.95$0.00$0.95$0.83$0.34$0.49
2015Detailed filing. Detailed filing data is available for this year.$0.46$0.00$0.46$0.72$0.54$0.18
2014Detailed filing. Detailed filing data is available for this year.$0.28$0.00$0.28$0.61$0.46$0.15
2013Detailed filing. Detailed filing data is available for this year.$0.12$0.00$0.12$0.64$0.76$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.24$0.00$0.24$0.66
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.11$0.00$0.11$0.64
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.10$0.00$0.10$2.29