Civic Intelligence

Association for Consumer Debt Relief

990 • Fiscal year 2017 • EIN 20-3796648

Jan 01, 2017 to Dec 31, 2017 • Filed on Jan 25, 2018

Organization ProfileWWW.AMERICANFAIRCREDITCOUNCIL.ORG

View Organization Page

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100 West Cypress Creek Rd Ste 700Fort Lauderdale, FL 33309

(888) 657-8272

Siviq Scores

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

Liabilities / Assets

9th percentile

0.00x

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

2017 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

9th percentile

0.00x

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

2017 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2017

Net Margin

94th percentile

34%

Higher net margin than 94% of similar nonprofits.

2017 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

23rd percentile

$0

Higher top officer pay than 23% of similar nonprofits.

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

2017 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2017

Asset Growth

92nd percentile

38%

Faster asset growth than 92% of similar nonprofits.

2017 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

89th percentile

26%

Faster revenue growth than 89% of similar nonprofits.

2017 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets9th percentile

Assets

Up

$1,306,173

Up $358,912 (+38%) from 2016

Net Assets

Up

$1,306,173

Up $358,912 (+38%) from 2016

Liabilities

Flat

$0

Flat from 2016

Revenue And Expenses
Liabilities / Revenue9th percentileNet Margin94th percentile

Revenue

Up

$1,052,662

Up $220,178 (+26%) from 2016

Expenses

Up

$693,750

Up $353,413 (+104%) from 2016

Net Income

Down

$358,912

Down $133,235 (-27%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth92nd 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: $2,364,8152023

Highlighted filing

2017

Assets$1,306,173
Liabilities$0
Net Assets$1,306,173
Open 2017 Filing

Operations Trend

Revenue Growth89th 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: $545,9452023

Highlighted filing

2017

Revenue$1,052,662
Expenses$693,750
Net Income$358,912
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jan 25, 2018
Return Version
2017v2.2
Gross Receipts
$1,052,662
Mission and Program Overview

Mission

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

To adovcate for indebted consumers and lobby for fair settlement legislation. Establish and maintain standards of excellence that protects consumer and members rights.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$616,072$1,016,989▲ $400,917
Cash and Non-Interest-Bearing Accounts$331,189$289,184▼ $42,005
Total Assets$947,261$1,306,173▲ $358,912
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Unrestricted Net Assets$947,261$1,306,173▲ $358,912
Total Net Assets Fund Balance$947,261$1,306,173▲ $358,912
Total Liabilities and Net Assets / Fund Balance$947,261$1,306,173▲ $358,912
Compensation and Service Providers
Top Officer Pay23rd percentile

Board Members and Trustees

NameTitle
Robby H BirnbaumPresident
Andrew HousserDirector
Bradley SmithDirector
Daniel KwiatekDirector
Kristie MedlenDirector
Ryan SassonDirector
Teresa DodsonDirector
David LeutholdTreasurer
Robert LindermanVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,051,745
Investment Income
$917
Other Revenue
$0
Change in Net Assets
$358,912
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$693,750
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Lobbying$297,437--$297,437
Conferences and Meetings$147,865--$147,865
Fees for Services Other-$112,233-$112,233
Information Technology$57,069--$57,069
Fees for Services Legal$25,353$24-$25,377
Fees for Services Accounting-$20,320-$20,320
Travel$19,145--$19,145
Insurance-$7,113-$7,113
Other Expenses$549$183-$732
Advertising$400--$400
Office Expenses$52$84-$136
Total Functional Expenses$547,870$145,880$0$693,750
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$356,090
Total Nondeductible Lobbying and Political Cost$356,090
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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: preferred, affiliate, vendor and industry alliance.”

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

“Preferred, affiliate, 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

“Robert linderman 1875 s. Grant street, suite 400 san mateo, ca 94402 andrew housser 1875 s. Grant street, suite 400 san mateo, ca 94402 teresa dodson 2 park plaza, suite 225 irvine, ca 92614 daniel kwiatek 500 cummings center, suite 5450 beverly, ma 01915 david leuthold 1061 main street, banco park, ste 26 n. Huntingdon, pa 15642 bradley smith 2101 business center drive, ste 120 irvine, ca 92612 kristie medlen 4500 south 129th east avenue tulsa, ok 74134 ryan sasson 225 w 29th st 9th floor new york, ny 10018”

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 Fair Credit Council
EIN
20-3796648
Phone
8886578272
Address
100 WEST CYPRESS CREEK RD STE 700, FORT LAUDERDALE, FL 33309

Signing Officer

Name
Robby H Birnbaum
Title
President
Phone
8886578272
Signed
2018-01-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robby H Birnbaum
Formed
2005
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
0

Preparer

Firm
Delisi Keenan & Associates Pc
Address
217 S PENNSYLVANIA AVE, GREENSBURG, PA 15601
Preparer
Michael P Keenan CPA
Phone
7248328585
Supplemental Narrative

Additional Explanations

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

“OTHER”

Form 990, Part IX, Line 11G

“Administrative services 0 53,580 0 contract services 0 3,000 0 hemming morse 0 55,653 0 total 0 112,233 0”

Raw XML Appendix332 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/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THERE ARE FOUR CLASES OF MEMBERS: PREFERRED, AFFILIATE, VENDOR AND INDUSTRY ALLIANCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PREFERRED, AFFILIATE, AND VENDOR MEMBERS HAVE THE POWER TO ELECT AND REMOVE MEMBERS OF THE EXECUTIVE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ROBERT LINDERMAN 1875 S. GRANT STREET, SUITE 400 SAN MATEO, CA 94402 ANDREW HOUSSER 1875 S. GRANT STREET, SUITE 400 SAN MATEO, CA 94402 TERESA DODSON 2 PARK PLAZA, SUITE 225 IRVINE, CA 92614 DANIEL KWIATEK 500 CUMMINGS CENTER, SUITE 5450 BEVERLY, MA 01915 DAVID LEUTHOLD 1061 MAIN STREET, BANCO PARK, STE 26 N. HUNTINGDON, PA 15642 BRADLEY SMITH 2101 BUSINESS CENTER DRIVE, STE 120 IRVINE, CA 92612 KRISTIE MEDLEN 4500 SOUTH 129TH EAST AVENUE TULSA, OK 74134 RYAN SASSON 225 W 29TH ST 9TH FLOOR NEW YORK, NY 10018
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/ExplanationTxt6ADMINISTRATIVE SERVICES 0 53,580 0 CONTRACT SERVICES 0 3,000 0 HEMMING MORSE 0 55,653 0 TOTAL 0 112,233 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/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0true
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0947261
IRS990/TotalAssetsEOYAmt01306173
IRS990/TotalAssetsGrp/BOYAmt0947261
IRS990/TotalAssetsGrp/EOYAmt01306173
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0145880
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0547870
IRS990/TotalFunctionalExpensesGrp/TotalAmt0693750
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0947261
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01306173
IRS990/TotalProgramServiceRevenueAmt01051745
IRS990/TotalRevenueGrp/ExclusionAmt0917
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01051745
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01052662
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0947261
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01306173
IRS990/TravelGrp/ProgramServicesAmt019145
IRS990/TravelGrp/TotalAmt019145
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0947261
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01306173
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0100 W CYPRESS CREEK RD SUITE 700
IRS990/USAddress/CityNm0FORT LAUDERDALE
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd033309
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.AMERICANFAIRCREDITCOUNCIL.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBBY H BIRNBAUM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08886578272
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-01-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0AMERICAN FAIR CREDIT COUNCIL
ReturnHeader/Filer/BusinessNameControlTxt0AMER
ReturnHeader/Filer/EIN0203796648
ReturnHeader/Filer/PhoneNum08886578272
ReturnHeader/Filer/USAddress/AddressLine1Txt0100 WEST CYPRESS CREEK RD STE 700
ReturnHeader/Filer/USAddress/CityNm0FORT LAUDERDALE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd033309
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0359D439B8301331F8A8A5BBC24A5D26C846EAB8F
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0A594594746F75B337E78529D553811BF0F1E72B7
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt050.248.86.85
ReturnHeader/FilingSecurityInformation/IPDt02018-02-14
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm010:03:54
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0251818418
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DELISI KEENAN & ASSOCIATES PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0217 S PENNSYLVANIA AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0GREENSBURG
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd015601
ReturnHeader/PreparerPersonGrp/PhoneNum07248328585
ReturnHeader/PreparerPersonGrp/PreparationDt02018-01-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL P KEENAN CPA
ReturnHeader/ReturnTs02018-02-14T11:03:54-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,306,173
Liabilities
$0
Net assets
$1,306,173
Revenue
$1,052,662
Expenses
$693,750
Net income
$358,912
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
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
2017Detailed filing. Detailed filing data is available for this year.$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