Civic Intelligence

Association for Consumer Debt Relief

990 • Fiscal year 2025 • EIN 20-3796648

Jan 01, 2025 to Dec 31, 2025

Organization ProfileACDR.ORG

View Organization Page

601 Thirteenth Street NWWashington, DC 20005

(888) 657-8272

Siviq Scores

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

Liabilities / Assets

12th percentile

0.00x

Higher debt load relative to assets than 12% of similar nonprofits.

2025 filings • 501(c)6 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

9th percentile

0.00x

Higher debt load relative to revenue than 9% of similar nonprofits.

2025 filings • 501(c)6 • $5M-$10M nonprofits • Source year 2025

Net Margin

45th percentile

2.7%

Higher net margin than 45% of similar nonprofits.

2025 filings • 501(c)6 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

90th percentile

$527,256

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 8.1% of source-year revenue.

2025 filings • 501(c)6 • $5M-$10M nonprofits • Source year 2025

Asset Growth

90th percentile

20%

Faster asset growth than 90% of similar nonprofits.

2025 filings • 501(c)6 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

90th percentile

34%

Faster revenue growth than 90% of similar nonprofits.

2025 filings • 501(c)6 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets12th percentile

Assets

Up

$2,975,992

Up $611,177 (+26%) from 2023

Net Assets

Up

$2,964,239

Up $599,424 (+25%) from 2023

Liabilities

Up

$11,753

Up $11,753 from 2023

Revenue And Expenses
Liabilities / Revenue9th percentileNet Margin45th percentile

Revenue

Up

$6,536,862

Up $2,244,360 (+52%) from 2023

Expenses

Up

$6,361,799

Up $2,615,242 (+70%) from 2023

Net Income

Down

$175,063

Down $370,882 (-68%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth90th 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 2025: $2,975,992Liabilities 2025: $11,753Net Assets 2025: $2,964,2392025

Highlighted filing

2025

Assets$2,975,992
Liabilities$11,753
Net Assets$2,964,239
Open 2025 Filing

Operations Trend

Revenue Growth90th percentile

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

$8.0M$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 2025: $6,536,862Expenses 2025: $6,361,799Net Income 2025: $175,0632025

Highlighted filing

2025

Revenue$6,536,862
Expenses$6,361,799
Net Income$175,063
Open 2025 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 17, 2026
Return Version
2025v4.0
Gross Receipts
$6,536,862
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,034,494$2,100,653▲ $66,159
Cash and Non-Interest-Bearing Accounts$454,263$851,696▲ $397,433
Total Assets$2,488,757$2,975,992▲ $487,235
Other Assets Total-$23,643-
Liabilities
Other Liabilities-$11,753-
Total Liabilities$0$11,753▲ $11,753
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,488,757$2,964,239▲ $475,482
Total Net Assets Fund Balance$2,488,757$2,964,239▲ $475,482
Total Liabilities and Net Assets / Fund Balance$2,488,757$2,975,992▲ $487,235
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jason MulvihillPresident &FT$510,583$16,673$527,256
Jason MulvihillPresident & CEO-$364,583$162,673$527,256
Denise MorseFormer CEOFT$328,062$110,080$438,142
Stacey SilvaHead of CompFT$225,875$9,035$234,910
Stacey SilvaHead of Compliance-$181,125$53,785$234,910
Michael KomaschkaGovt AffairsFT$166,750$5,003$171,753
Michael KomaschkaGovt Affairs Manager-$141,750$30,003$171,753
Michael LuksoHead of GovtFT$152,942-$152,942
Michael LuksoHead of Govt Affairs-$108,942$44,000$152,942

Board Members and Trustees

NameTitle
Nicholas KosmasBoard Chair
Alex KleynerBoard Member
Kris KehlerBoard Member
Mohit SofatBoard Member
Randi SellariBoard Member
Robby BirnbaumBoard Member
Sean FoxBoard Member
Corey ButcherBoard Secret
Steve PetreveskiBoard Treasu
Demetrios BoutrisBoard Vice C

Highest Paid Contractors

ContractorServicesLocationCompensation
Multistate AssociatesGovt Relations515 KING ST STE 300, SUITE 450, Alexandria, VA 22314$1,108,168
The Herald GroupPublic Affairs1800 M STREET NW, SUITE 2600, Washington, DC 20036$1,058,841
Allon Advocacy LLCLobbying Fees1401 L STREET NW 12TH FLOOR, SUITE 2900, Washington, DC 20005$279,250
Korn FerryLegal Fees1900 AVENUE OF THE STARS, Los Angeles, CA 90067$260,867
Brownstein Hyatt Farber Schreck LLPAttorney675 15TH STREET, Denver, CO 80202$180,920
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,470,704
Investment Income
$66,158
Other Revenue
$0
Change in Net Assets
$175,063
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,208,578
Salaries, Compensation, and Employee Benefits$1,843,701
Grants and Similar Amounts Paid$309,520
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Lobbying$2,382,124--$2,382,124
Other Salaries and Wages$1,649,379--$1,649,379
Conferences and Meetings$814,061--$814,061
Grants to Domestic Orgs$309,520--$309,520
Fees for Services Other$150,648--$150,648
Travel$140,255--$140,255
Fees for Services Legal$92,306--$92,306
Payroll Taxes$90,069--$90,069
Office Expenses-$71,738-$71,738
Other Employee Benefits$59,287--$59,287
Pension Plan Contributions$44,966--$44,966
Advertising-$34,596-$34,596
Fees for Services Accounting-$23,400-$23,400
All Other Expenses$14,936$1,835-$16,771
Insurance-$15,133-$15,133
Other Expenses$12,050--$12,050
Information Technology$166--$166
Total Functional Expenses$6,215,097$146,702$0$6,361,799
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Government Affairs---$180,920
Campaign Contributions---$128,600
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$2,439,198
Total Nondeductible Lobbying and Political Cost$2,439,198
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Credit Card$11,753
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: guaranteed board seat, board eligible, advisory, and support.”

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 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
Association for Consumer Debt
EIN
20-3796648
Phone
8886578272
Address
601 THIRTEENTH STREET NW, WASHINGTON, DC 20005

Signing Officer

Name
Jason Mulvihill
Title
President & CEO
Phone
8886578272
Signed
2026-02-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jason Mulvihill
Formed
2005
Legal Domicile
TX
Voting Board Members
10
Independent Board Members
10
Employees
8

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, Part XI, Line 9

“Merger of business 300,419”

Raw XML AppendixShowing 400 of 471 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/ProgramServiceRevenueGrp/Desc3WORKSHOP SPONSOR
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1708223
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2250000
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt395000
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IRS990ScheduleC/SubstantiallyAllDuesNondedInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt011753
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CREDIT CARD
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IRS990ScheduleI/GrantRecordsMaintainedInd0false
IRS990ScheduleI/RecipientTable/CashGrantAmt0128600
IRS990ScheduleI/RecipientTable/CashGrantAmt1180920
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0CAMPAIGN CONTRIBUTIONS
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt1GOVERNMENT AFFAIRS
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IRS990/ScheduleJRequiredInd0true
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1328062
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2181125
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount1101000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount244750
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt19080
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt29035
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt35003
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JASON MULVIHILL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1DENISE MORSE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2STACEY SILVA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3MICHAEL KOMASCHKA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4MICHAEL LUKSO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1FORMER CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2HEAD OF COMPLIANCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3GOVT AFFAIRS MANAGER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4HEAD OF GOVT AFFAIRS
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THERE ARE FOUR CLASES OF MEMBERS: GUARANTEED BOARD SEAT, BOARD ELIGIBLE, ADVISORY, AND SUPPORT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ACCREDITED, REGULAR, AND VENDOR MEMBERS HAVE THE POWER TO ELECT AND REMOVE MEMBERS OF THE EXECUTIVE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 REVIEWED BY SIGNER AND BOARD TO ENSURE ALL STATEMENTS ARE TRUE AND CORRECT TO THE BEST OF THEIR KNOWLEDGE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC BY REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MERGER OF BUSINESS 300,419
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0true

Document Assets

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Filings

Displayed year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,975,992
Liabilities
$11,753
Net assets
$2,964,239
Revenue
$6,536,862
Expenses
$6,361,799
Net income
$175,063
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$2.98$0.01$2.96$6.54$6.36$0.18
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2025 filings • 501(c)6 • $5M-$10M nonprofits