Civic Intelligence

Advantage Credit Counseling

EIN 25-1201741 • 501(c)3 • Pittsburgh, PA

View Organization Page

Profile

As a nonprofit organization, the agency provides meaningful, professional and confidential consumer education and budget/credit counseling and develops effective debt reduction programs for all segments of the community. The agency educates consumers about wise money management and the responsible use of credit.

2403 Sidney Street Suite 250Pittsburgh, PA 15203

www.advantageccs.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

70th percentile

0.24x

Higher debt load relative to assets than 70% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

69th percentile

0.23x

Higher debt load relative to revenue than 69% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

35th percentile

-1.7%

Higher net margin than 35% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

87th percentile

$180,792

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 8.2% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

55th percentile

5.5%

Faster asset growth than 55% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

37th percentile

0.4%

Faster revenue growth than 37% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets70th percentile

Assets

Up

$2,067,287

Up $107,612 (+5.5%) from 2023

Liabilities

Up

$499,901

Up $144,676 (+41%) from 2023

Net Assets

Down

$1,567,386

Down $37,064 (-2.3%) from 2023

Operations
Liabilities / Revenue69th percentileNet Margin35th percentile

Revenue

Up

$2,208,553

Up $7,877 (+0.4%) from 2023

Expenses

Up

$2,245,617

Up $102,156 (+4.8%) from 2023

Net Income

Down

-$37,064

Down $94,279 (-165%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth55th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $6,088,884Liabilities 2010: $257,732Net Assets 2010: $5,831,1522010Assets 2011: $5,820,489Liabilities 2011: $380,152Net Assets 2011: $5,440,3372011Assets 2012: $6,310,403Liabilities 2012: $358,616Net Assets 2012: $5,951,7872012Assets 2013: $7,136,470Liabilities 2013: $402,950Net Assets 2013: $6,733,5202013Assets 2014: $6,905,852Liabilities 2014: $385,049Net Assets 2014: $6,520,8032014Assets 2015: $5,809,696Liabilities 2015: $401,053Net Assets 2015: $5,408,6432015Assets 2016: $4,284,951Liabilities 2016: $259,115Net Assets 2016: $4,025,8362016Assets 2017: $3,233,763Liabilities 2017: $258,037Net Assets 2017: $2,975,7262017Assets 2018: $2,580,634Liabilities 2018: $81,746Net Assets 2018: $2,498,8882018Assets 2019: $2,070,696Liabilities 2019: $68,881Net Assets 2019: $2,001,8152019Assets 2020: $1,989,289Liabilities 2020: $68,455Net Assets 2020: $1,920,8342020Assets 2021: $1,986,787Liabilities 2021: $301,724Net Assets 2021: $1,685,0632021Assets 2022: $1,964,175Liabilities 2022: $416,940Net Assets 2022: $1,547,2352022Assets 2023: $1,959,675Liabilities 2023: $355,225Net Assets 2023: $1,604,4502023Assets 2024: $2,067,287Liabilities 2024: $499,901Net Assets 2024: $1,567,3862024

Highlighted filing

2024

Assets$2,067,287
Liabilities$499,901
Net Assets$1,567,386
Open 2024 Filing

Operations Trend

Revenue Growth37th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $4,777,7902010Expenses 2011: $4,178,7512011Expenses 2012: $3,117,6302012Revenue 2013: $3,552,951Expenses 2013: $3,036,938Net Income 2013: $516,0132013Revenue 2014: $2,732,891Expenses 2014: $2,851,332Net Income 2014: -$118,4412014Revenue 2015: $2,161,517Expenses 2015: $2,894,881Net Income 2015: -$733,3642015Revenue 2016: $2,917,270Expenses 2016: $3,733,871Net Income 2016: -$816,6012016Revenue 2017: $1,969,151Expenses 2017: $3,019,261Net Income 2017: -$1,050,1102017Revenue 2018: $2,010,672Expenses 2018: $2,487,510Net Income 2018: -$476,8382018Revenue 2019: $2,193,108Expenses 2019: $2,690,181Net Income 2019: -$497,0732019Revenue 2020: $2,435,641Expenses 2020: $2,516,622Net Income 2020: -$80,9812020Revenue 2021: $1,981,242Expenses 2021: $2,217,013Net Income 2021: -$235,7712021Revenue 2022: $2,017,935Expenses 2022: $2,155,763Net Income 2022: -$137,8282022Revenue 2023: $2,200,676Expenses 2023: $2,143,461Net Income 2023: $57,2152023Revenue 2024: $2,208,553Expenses 2024: $2,245,617Net Income 2024: -$37,0642024

Highlighted filing

2024

Revenue$2,208,553
Expenses$2,245,617
Net Income-$37,064
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$2,067,287
Liabilities
$499,901
Net assets
$1,567,386
Revenue
$2,208,553
Expenses
$2,245,617
Net income
-$37,064
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.07$0.50$1.57$2.21$2.25$0.04
2023Detailed filing. Detailed filing data is available for this year.$1.96$0.36$1.60$2.20$2.14$0.06
2022Detailed filing. Detailed filing data is available for this year.$1.96$0.42$1.55$2.02$2.16$0.14
2021Detailed filing. Detailed filing data is available for this year.$1.99$0.30$1.69$1.98$2.22$0.24
2020Detailed filing. Detailed filing data is available for this year.$1.99$0.07$1.92$2.44$2.52$0.08
2019Detailed filing. Detailed filing data is available for this year.$2.07$0.07$2.00$2.19$2.69$0.50
2018Detailed filing. Detailed filing data is available for this year.$2.58$0.08$2.50$2.01$2.49$0.48
2017Detailed filing. Detailed filing data is available for this year.$3.23$0.26$2.98$1.97$3.02$1.05
2016Detailed filing. Detailed filing data is available for this year.$4.28$0.26$4.03$2.92$3.73$0.82
2015Detailed filing. Detailed filing data is available for this year.$5.81$0.40$5.41$2.16$2.89$0.73
2014Detailed filing. Detailed filing data is available for this year.$6.91$0.39$6.52$2.73$2.85$0.12
2013Detailed filing. Detailed filing data is available for this year.$7.14$0.40$6.73$3.55$3.04$0.52
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.31$0.36$5.95$3.12
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.82$0.38$5.44$4.18
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.09$0.26$5.83$4.78
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 4, 2025
Return Version
2024v5.1
Gross Receipts
$2,208,553
Mission and Program Overview

Mission

As a nonprofit organization, the agency provides meaningful, professional and confidential consumer education and budget/credit counseling and develops effective debt reduction programs for all segments of the community. The agency educates consumers about wise money management and the responsible use of credit.

The organization offers education and professional credit counseling services to the public.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,133,857$1,351,697▲ $217,840
Cash and Non-Interest-Bearing Accounts$433,081$301,790▼ $131,291
Accounts Receivable$159,129$112,071▼ $47,058
Prepaid Expenses and Deferred Charges$74,999$70,943▼ $4,056
Land, Buildings, and Equipment, Net$68,683$48,619▼ $20,064
Investments in Publicly Traded Securities-$24,707-
Total Assets$1,959,675$2,067,287▲ $107,612
Other Assets Total$89,926$157,460▲ $67,534
Liabilities
Escrow Account Liability$219,569$259,909▲ $40,340
Other Liabilities$94,271$195,802▲ $101,531
Accounts Payable and Accrued Expenses$41,385$44,190▲ $2,805
Total Liabilities$355,225$499,901▲ $144,676
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,400,590$1,421,177▲ $20,587
Net Assets With Donor Restrictions$203,860$146,209▼ $57,651
Total Net Assets Fund Balance$1,604,450$1,567,386▼ $37,064
Total Liabilities and Net Assets / Fund Balance$1,959,675$2,067,287▲ $107,612

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$48,619$1,119,524$1,168,143
Other Assets Org$3,539--
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gary J VollmerPresident & CEOFT$158,842$21,950$180,792
Heather MurraySecretaryFT$85,000$15,995$100,995

Board Members and Trustees

NameTitle
Anne Flynn SchlichtChair
Patrick Van GorderDirector / Vice Chair
Bryan K WardDirector
Christopher L CullenDirector
David ColsonDirector
Donald E PringleDirector
Evan C OgrodnikDirector
FREDERICK P O'BRIENDirector
Melanie L AnsellDirector
Michael J ClarkDirector
Warren T KingDirector
Jeffrey DavidekDirector / Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,514,422
Program Service Revenue
$618,195
Investment Income
$75,936
Other Revenue
$0
All Other Contributions
$557,574
Change in Net Assets
$-37,064

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,208,553
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$148,194
Total Revenue per Audited Statements
$2,356,747
Total Revenue per Form 990
$2,208,553
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,659,198
Other Expenses$586,419
Total Fundraising Expense$8,506
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$920,833$196,419$6,907$1,124,159
Current Officers, Directors, Trustees, and Key Employees$108,725$173,062-$281,787
Other Employee Benefits$101,206$20,091$771$122,068
Advertising$74,533$44,524-$119,057
Payroll Taxes$74,766$25,526$509$100,801
Occupancy$34,783$7,810$129$42,722
Depreciation Depletion$21,675$9,941-$31,616
Pension Plan Contributions$25,135$5,058$190$30,383
Insurance$15,294$14,671-$29,965
Other Expenses$23,216$3,266-$26,482
Office Expenses$17,581$6,328-$23,909
Fees for Services Accounting-$22,078-$22,078
All Other Expenses$20,109$819-$20,928
Fees for Services Legal$857$17,179-$18,036
Travel$3,415$1,684-$5,099
Total Functional Expenses$1,625,269$611,842$8,506$2,245,617

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$2,393,811
Expenses per Audited Statements$2,245,617
Total Expenses per Form 990$2,245,617
Expenses Not Reported on Form 990$148,194
Expenses Not Reported on Financial Statements$0
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease Liability$153,921
Advanced Program Funds$41,881
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 1A

“In addition to voting members of the board, the board may, from time to time, elect board emeriti, who will serve as non-voting members of the board. The board currently has 6 member emeriti.”

Form 990, Part VI, Section B, Line 11B

“A copy of form 990 is sent to each voting member of the full board for review and approval prior to filing. If any changes thereto are approved by the full board, a copy of the final form 990 as ultimately filed is provided to each voting member of the board prior to its filing.”

Form 990, Part VI, Section B, Line 12C

“Annually, and more frequently in the event of changes in said statement all board members, officers and key employees are required to complete a written conflict of interest disclosure statement. Determinations of whether a conflict exists are made by the president. Actual conflicts are reviewed by the full board, which may at its discretion impose appropriate restrictions on persons with a conflict, including but not limited to prohibitions on participating in committee or full board deliberations and decisions in the transaction.”

Form 990, Part VI, Section B, Line 15

“Annually and from time to time as the board deems necessary, for such officers and key employees as the board, or as related to key employees, as the president, deems appropriate, the board or the president investigates compensation packages of peer agencies, reviews the interplay and dollar value of all compensation arrangements, reviews the organizations capacity to support particular compensation levels, obtains legal advice as to legal restrictions on compensation and, if necessary hire specialists, review cost of living considerations and financial conditions of the organization. This process was last undertaken for the president in the fourth quarter of 2024. The compensation process for officers is identical to that for the top official. This process was last undertaken for officers in the fourth quarter of 2024.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy and finanical statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Advantage Credit Counseling
EIN
25-1201741
Phone
4123901300
Address
2403 SIDNEY STREET SUITE 250, PITTSBURGH, PA 15203

Signing Officer

Name
Gary J Vollmer
Title
President & CEO
Phone
4123901300
Signed
2025-06-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gary J Vollmer
Formed
1968
Legal Domicile
Pa
Voting Board Members
12
Independent Board Members
10
Employees
30
Volunteers
0

Preparer

Firm
Louis Plung & Company Llp
Address
20 STANWIX ST SUITE 901, PITTSBURGH, PA 15222
Preparer
Lindsay Andrews
Phone
4122818771
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The organization arranges for monthly payments to the organization from its clients. The organization acts as a trustee for these funds and is responsible for the disbursement of these funds to the creditors of these clients.”

PART X, LINE 2:

“Income tax benefits are recognized for income tax positions taken or expected to be taken in a tax return, only when it is determined that the income tax position will more-likely-than-not be sustained upon examination by taxing authorities. The organization has analyzed tax positions taken for filing with the internal revenue service and all state jurisdictions where it operates. The organization believes that income tax filing positions will be sustained upon examination and does not anticipate any adjustments that would result in a material adverse effect on the organization's financial condition, results of operations or cash flows. Accordingly, the organization has not recorded any reserves, or related accruals for interest and penalties for uncertain income tax positions at december 31, 2024 and 2023. The organization's policy is to classify any income tax related interest and penalties to interest expense and other expenses, respectively.”

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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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IRS990/Desc0ADVANTAGE CREDIT COUNSELING SERVICE, INC. PROVIDES CREDIT-COUNSELING AND EDUCATIONAL SERVICES TO THE PUBLIC. SINCE ITS INCEPTION, THE AGENCY HAS ASSISTED THOUSANDS OF CLIENTS IN DEVELOPING A BUDGET, DETERMINING OPTIONS FOR REPAYING DEBTS AND WHEN APPROPRIATE, ADMINISTERING A DEBT MANAGEMENT PROGRAM. THE AGENCY ALSO PROVIDES FINANCIAL LITERACY EDUCATION TO ITS CLIENTS AND THE PUBLIC. ADDITIONALLY, THE AGENCY IS APPROVED BY HUD AND THE PENNSYLVANIA HOUSING FINANCE AGENCY TO PROVIDE COMPREHENSIVE HOUSING COUNSELING SERVICES. THIS INCLUDES COUNSELING PENNSYLVANIA HOMEOWNERS IN THREAT OF FORCLOSURE ON VARIOUS LOSS MITIGATION OPTIONS, INTERVENING WITH THEIR MORTGAGE LENDERS, AND ASSISTING WITH APPLICATIONS FOR THE STATE'S HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM. THE AGENCY COUNSELS FIRST TIME HOMEBUYERS ON THE ENTIRE HOME BUYING PROCESS AND PROVIDES REVERSE MORTGAGE COUNSELING TO SENIOR HOMEOWNERS.
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IRS990/Form990PartVIISectionAGrp/PersonNm6DAVID COLSON
IRS990/Form990PartVIISectionAGrp/PersonNm7CHRISTOPHER L CULLEN
IRS990/Form990PartVIISectionAGrp/PersonNm8WARREN T KING
IRS990/Form990PartVIISectionAGrp/PersonNm9FREDERICK P O'BRIEN
IRS990/Form990PartVIISectionAGrp/PersonNm10EVAN C OGRODNIK
IRS990/Form990PartVIISectionAGrp/PersonNm11DONALD E PRINGLE
IRS990/Form990PartVIISectionAGrp/PersonNm12BRYAN K WARD
IRS990/Form990PartVIISectionAGrp/PersonNm13HEATHER MURRAY
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR / VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR / TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13SECRETARY
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IRS990/FormationYr01968
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IRS990/GamingActivitiesInd00
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
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IRS990/InsuranceGrp/ProgramServicesAmt015294
IRS990/InsuranceGrp/TotalAmt029965
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt048619
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IRS990/LegalDomicileStateCd0PA
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0AS A NONPROFIT ORGANIZATION, THE AGENCY PROVIDES MEANINGFUL, PROFESSIONAL AND CONFIDENTIAL CONSUMER EDUCATION AND BUDGET/CREDIT COUNSELING AND DEVELOPS EFFECTIVE DEBT REDUCTION PROGRAMS FOR ALL SEGMENTS OF THE COMMUNITY. THE AGENCY EDUCATES CONSUMERS ABOUT WISE MONEY MANAGEMENT AND THE RESPONSIBLE USE OF CREDIT.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetUnrelatedBusTxblIncmAmt00
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IRS990/NondeductibleContributionsInd00
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IRS990/OccupancyGrp/ManagementAndGeneralAmt07810
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IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt06328
IRS990/OfficeExpensesGrp/ProgramServicesAmt017581
IRS990/OfficeExpensesGrp/TotalAmt023909
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt089926
IRS990/OtherAssetsTotalGrp/EOYAmt0157460
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt0771
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt020091
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0101206
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0122068
IRS990/OtherExpensesGrp/Desc0CONTRACT SERVICES
IRS990/OtherExpensesGrp/Desc1LICENSE, REG. & BOND FE
IRS990/OtherExpensesGrp/Desc2MEMBERSHIP & SUBSCRIPTI
IRS990/OtherExpensesGrp/Desc3DATA & VOICE COMMUNICAT
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt124362
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt216109
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt33266
IRS990/OtherExpensesGrp/ProgramServicesAmt0143738
IRS990/OtherExpensesGrp/ProgramServicesAmt120049
IRS990/OtherExpensesGrp/ProgramServicesAmt219354
IRS990/OtherExpensesGrp/ProgramServicesAmt323216
IRS990/OtherExpensesGrp/TotalAmt0166653
IRS990/OtherExpensesGrp/TotalAmt144411
IRS990/OtherExpensesGrp/TotalAmt235463
IRS990/OtherExpensesGrp/TotalAmt326482
IRS990/OtherLiabilitiesGrp/BOYAmt094271
IRS990/OtherLiabilitiesGrp/EOYAmt0195802
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt06907
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IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt0509
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt025526
IRS990/PayrollTaxesGrp/ProgramServicesAmt074766
IRS990/PayrollTaxesGrp/TotalAmt0100801
IRS990/PensionPlanContributionsGrp/FundraisingAmt0190
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt05058
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt025135
IRS990/PensionPlanContributionsGrp/TotalAmt030383
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt074999
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt070943
IRS990/PrincipalOfficerNm0GARY J VOLLMER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0541990
IRS990/ProgramServiceRevenueGrp/BusinessCd1541990
IRS990/ProgramServiceRevenueGrp/Desc0CLIENT FEES
IRS990/ProgramServiceRevenueGrp/Desc1BANKRUPTCY COUNSELING
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt149772
IRS990/ProgSrvcAccomActy2Grp/Desc0THE AGENCY IS APPROVED BY THE PENNSYLVANIA HOUSING AND FINANCE AGENCY AND HUD TO CONDUCT COMPREHENSIVE HOUSING COUNSELING SERVICES. THE AGENCY PROVIDES COUNSELING AND EDUCATION FOR HOMEOWNERS IN THREAT OF FORECLOSURE, AS WELL AS INTERVENTION WITH LENDERS REGARDING LOSS MITIGATION OPTIONS SUCH AS LOAN MODIFICATIONS. THE AGENCY ALSO ASSISTS PENNSYLVANIA HOMEOWNERS WITH APPLYING FOR STATE EMERGENCY LOANS. THE AGENCY COUNSELS POTENTIAL HOMEBUYERS WHO HAVE BARRIERS THEY MUST OVERCOME TO QUALIFY FOR MORTGAGE LOANS. THE AGENCY ALSO COUNSELS INDIVIDUALS WHO HAVE QUALIFIED FOR A MORTGAGE BUT ARE REQUIRED TO PARTICIPATE IN COUNSELING AND EDUCATION.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0582171
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt00
IRS990/ProgSrvcAccomActy3Grp/Desc0THE AGENCY IS APPROVED BY THE EXECUTIVE OFFICE FOR THE UNITED STATES TRUSTEES TO PROVIDE PRE-FILING BANKRUPTCY COUNSELING AND PRE-DISCHARGE BANKRUPTCY EDUCATION. CONSUMERS CONTEMPLATING BANKRUPTCY MUST FIRST HAVE COUNSELING THROUGH AN APPROVED NON-PROFIT PROVIDER AS PRESCRIBED BY THE BANKRUPTCY ABUSE PREVENTION AND CONSUMER PROTECTION ACT OF 2005.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0135710
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt049772
IRS990/ProgSrvcAccomActyOtherGrp/Desc0THE AGENCY PROVIDES EDUCATIONAL AND ADMINISTRATIVE SUPPORT FOR UTILITY COMPANIES ENERGY ASSISTANCE PROGRAMS; THESE PROGRAMS ARE GEARED TO LOW AND MODERATE INCOME CONSUMERS.
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt07314
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt01620423
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
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IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0549287
IRS990/PYRevenuesLessExpensesAmt057215
IRS990/PYSalariesCompEmpBnftPaidAmt01575116
IRS990/PYTotalExpensesAmt02143461
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02200676
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-37064
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
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IRS990/ReportOtherAssetsInd01
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt01133857
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01351697
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IRS990ScheduleA/PublicSupportPY170Pct00.88750
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IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt0148194
IRS990ScheduleD/DonatedServicesUseFcltsAmt0148194
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IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
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IRS990ScheduleD/FootnoteTextInd0X
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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt13539
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0RIGHT OF USE ASSET
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1SECURITY DEPOSIT
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1153921
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ADVANCED PROGRAM FUNDS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1LEASE LIABILITY
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION ARRANGES FOR MONTHLY PAYMENTS TO THE ORGANIZATION FROM ITS CLIENTS. THE ORGANIZATION ACTS AS A TRUSTEE FOR THESE FUNDS AND IS RESPONSIBLE FOR THE DISBURSEMENT OF THESE FUNDS TO THE CREDITORS OF THESE CLIENTS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1INCOME TAX BENEFITS ARE RECOGNIZED FOR INCOME TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN, ONLY WHEN IT IS DETERMINED THAT THE INCOME TAX POSITION WILL MORE-LIKELY-THAN-NOT BE SUSTAINED UPON EXAMINATION BY TAXING AUTHORITIES. THE ORGANIZATION HAS ANALYZED TAX POSITIONS TAKEN FOR FILING WITH THE INTERNAL REVENUE SERVICE AND ALL STATE JURISDICTIONS WHERE IT OPERATES. THE ORGANIZATION BELIEVES THAT INCOME TAX FILING POSITIONS WILL BE SUSTAINED UPON EXAMINATION AND DOES NOT ANTICIPATE ANY ADJUSTMENTS THAT WOULD RESULT IN A MATERIAL ADVERSE EFFECT ON THE ORGANIZATION'S FINANCIAL CONDITION, RESULTS OF OPERATIONS OR CASH FLOWS. ACCORDINGLY, THE ORGANIZATION HAS NOT RECORDED ANY RESERVES, OR RELATED ACCRUALS FOR INTEREST AND PENALTIES FOR UNCERTAIN INCOME TAX POSITIONS AT DECEMBER 31, 2024 AND 2023. THE ORGANIZATION'S POLICY IS TO CLASSIFY ANY INCOME TAX RELATED INTEREST AND PENALTIES TO INTEREST EXPENSE AND OTHER EXPENSES, RESPECTIVELY.

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