Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on the latest valid filing.
Community Action Credit Counseling Inc
EIN 26-4003450 • 501(c)3 • Traverse City, MI
Profile
Community action credit counseling, inc. Is organized for the purpose of providing educational opportunities and professional counseling to families and individuals in credit crisis and in need of guidance in the management of their professional finances, budgeting and in the wise use of personal credit, and in appropriate cases, to arrange for a program of orderly debt liquidation within a framework of community action initiatives, and to educate the general public in the wise and proper use of consumer credit and to conduct outreach activities to aid in the accomplishment of the foregoing objectives. The organization accomplishes their purpose by assessing client's financial position, developing debt solutions, and conducting community education addressing issues related to consumer credit and money management.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
No value available
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on the latest valid filing.
Top Officer Pay
81st percentile
Higher top officer pay than 81% of similar nonprofits.
Asset Growth
Score unavailable
A valid growth rate could not be computed from the available filing history.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Flat$0
Flat from 2023
Liabilities
Up$1,930
Up $770 (+66%) from 2023
Net Assets
Down-$1,930
Down $770 (-66%) from 2023
Revenue
-
No earlier filing loaded for comparison.
Expenses
$770
No earlier filing loaded for comparison.
Net Income
-
No earlier filing loaded for comparison.
Trend Graphs
Filings
Most recent year
2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $0
- Liabilities
- $1,930
- Net assets
- -$1,930
- Revenue
- -
- Expenses
- $770
- Net income
- -
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Oct 1, 2023 to Sep 30, 2024
- Signed
- Aug 6, 2025
- Return Version
- 2023v6.0
- Gross Receipts
- $0
Mission and Program Overview
Mission
Community action credit counseling, inc. Is organized for the purpose of providing educational opportunities and professional counseling to families and individuals in credit crisis and in need of guidance in the management of their professional finances, budgeting and in the wise use of personal credit, and in appropriate cases, to arrange for a program of orderly debt liquidation within a framework of community action initiatives, and to educate the general public in the wise and proper use of consumer credit and to conduct outreach activities to aid in the accomplishment of the foregoing objectives. The organization accomplishes their purpose by assessing client's financial position, developing debt solutions, and conducting community education addressing issues related to consumer credit and money management.
Program Services
| Description | Grants | Expenses |
|---|---|---|
| ASSESSING CLIENT'S FINANCIAL POSITION PROVIDES ASSISTANCE IN IDENTIFYING A FINANCIAL POSITION OF THE CLIENT THAT IS USED AS A TOOL FOR MUTUAL UNDERSTANDING AND EDUCATION FOR DEBT SOLUTION OPTIONS. DEVELOPING DEBT SOLUTIONS ALLOWS THE CLIENT TO WORK WITH THE CASE MANAGER TO MAKE UNBIASED DECISIONS ABOUT THE BEST PLAN FOR THE GIVEN FINANCIAL POSITION. REVIEWING THE FINANCIAL STANDING REPORT WITH CLIENTS PROVIDES FURTHER FINANCIAL EDUCATION AND GUIDANCE FOR CLIENTS FREE OF CHARGE. WHEN APPROPRIATE, DEBT MANAGEMENT PLANS ARE ESTABLISHED ON A FOR FEE BASIS TO HELP CLIENTS WORK THEIR WAY OUT OF DEBT AND INTO A POSITION OF FINANCIAL SELF-SUFFICIENCY. THE ORGANIZATION CONDUCTS COMMUNITY EDUCATION THROUGH GROUP PRESENTATIONS THAT PROVIDES PROFESSIONAL COUNSELING TO FAMILIES AND INDIVIDUALS IN CREDIT CRISIS AND IN NEED OF FINANCIAL GUIDANCE. | $0 | $0 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| KERRY BAUGHMAN | Chairperson | - | $0 | - | - |
| ART JEANNOT | Vice Chairperson | - | $0 | - | - |
| MEREDITH GAFILL | Secretary/Treasurer | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Community Action Credit Counseling Inc
- EIN
- 26-4003450
- Phone
- 2319473780
- Address
- 3963 THREE MILE ROAD, TRAVERSE CITY, MI 49686
Signing Officer
- Name
- Kerry Baughman
- Title
- Chairperson
- Phone
- 2319473780
- Signed
- 2025-08-06
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Wipfli Llp
- Address
- 2501 W BELTLINE HWY STE 501, MADISON, WI 53713
- Preparer
- Quinn Dugan
- Phone
- 6082741980
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 16 - Other Expenses
“Description: indirect expenses. Amount: 70.”
Form 990-ez, Part II, Line 26 - Other Liabilities
“Description: accounts payable. Beg. Of year amount: 1,160. End of year amount: 1,930.”
Raw XML Appendix121 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.
| Path | # | Value |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | 0 |
| IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | KERRY BAUGHMAN |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 2319473780 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3963 THREE MILE ROAD |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | TRAVERSE CITY |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 49686 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | -770 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 700 |
| IRS990EZ/FiledScheduleAInd | 0 | 1 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 0 |
| IRS990EZ/GrossReceiptsAmt | 0 | 0 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVInd | 0 | X |
| IRS990EZ/LobbyingActivitiesInd | 0 | 0 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | -1160 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | -1930 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | -1160 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | -1930 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | KERRY BAUGHMAN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | ART JEANNOT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | MEREDITH GAFILL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | CHAIRPERSON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | VICE CHAIRPERSON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | SECRETARY/TREASURER |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 0 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990EZ/OtherEmployeePaidOver100kCnt | 0 | 0 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 70 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | COMMUNITY ACTION CREDIT COUNSELING, INC. IS ORGANIZED FOR THE PURPOSE OF PROVIDING EDUCATIONAL OPPORTUNITIES AND PROFESSIONAL COUNSELING TO FAMILIES AND INDIVIDUALS IN CREDIT CRISIS AND IN NEED OF GUIDANCE IN THE MANAGEMENT OF THEIR PROFESSIONAL FINANCES, BUDGETING AND IN THE WISE USE OF PERSONAL CREDIT, AND IN APPROPRIATE CASES, TO ARRANGE FOR A PROGRAM OF ORDERLY DEBT LIQUIDATION WITHIN A FRAMEWORK OF COMMUNITY ACTION INITIATIVES, AND TO EDUCATE THE GENERAL PUBLIC IN THE WISE AND PROPER USE OF CONSUMER CREDIT AND TO CONDUCT OUTREACH ACTIVITIES TO AID IN THE ACCOMPLISHMENT OF THE FOREGOING OBJECTIVES. THE ORGANIZATION ACCOMPLISHES THEIR PURPOSE BY ASSESSING CLIENT'S FINANCIAL POSITION, DEVELOPING DEBT SOLUTIONS, AND CONDUCTING COMMUNITY EDUCATION ADDRESSING ISSUES RELATED TO CONSUMER CREDIT AND MONEY MANAGEMENT. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | ASSESSING CLIENT'S FINANCIAL POSITION PROVIDES ASSISTANCE IN IDENTIFYING A FINANCIAL POSITION OF THE CLIENT THAT IS USED AS A TOOL FOR MUTUAL UNDERSTANDING AND EDUCATION FOR DEBT SOLUTION OPTIONS. DEVELOPING DEBT SOLUTIONS ALLOWS THE CLIENT TO WORK WITH THE CASE MANAGER TO MAKE UNBIASED DECISIONS ABOUT THE BEST PLAN FOR THE GIVEN FINANCIAL POSITION. REVIEWING THE FINANCIAL STANDING REPORT WITH CLIENTS PROVIDES FURTHER FINANCIAL EDUCATION AND GUIDANCE FOR CLIENTS FREE OF CHARGE. WHEN APPROPRIATE, DEBT MANAGEMENT PLANS ARE ESTABLISHED ON A FOR FEE BASIS TO HELP CLIENTS WORK THEIR WAY OUT OF DEBT AND INTO A POSITION OF FINANCIAL SELF-SUFFICIENCY. THE ORGANIZATION CONDUCTS COMMUNITY EDUCATION THROUGH GROUP PRESENTATIONS THAT PROVIDES PROFESSIONAL COUNSELING TO FAMILIES AND INDIVIDUALS IN CREDIT CRISIS AND IN NEED OF FINANCIAL GUIDANCE. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 0 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | 0 |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 1160 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 1930 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TaxImposedOnOrganizationMgrAmt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4911Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4912Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4955Amt | 0 | 0 |
| IRS990EZ/TaxReimbursedByOrganizationAmt | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 770 |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | 0 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY170Pct | 0 | 0.00000 |
| IRS990ScheduleA/PublicSupportPY170Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 0 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsPY170Ind | 0 | X |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 0 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DESCRIPTION: INDIRECT EXPENSES. AMOUNT: 70. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: ACCOUNTS PAYABLE. BEG. OF YEAR AMOUNT: 1,160. END OF YEAR AMOUNT: 1,930. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | KERRY BAUGHMAN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CHAIRPERSON |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2319473780 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-08-06 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | COMMUNITY ACTION CREDIT COUNSELING INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | COMM |
| ReturnHeader/Filer/EIN | 0 | 264003450 |
| ReturnHeader/Filer/PhoneNum | 0 | 2319473780 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 3963 THREE MILE ROAD |
| ReturnHeader/Filer/USAddress/CityNm | 0 | TRAVERSE CITY |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 49686 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | 1 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 390758449 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | WIPFLI LLP |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 2501 W BELTLINE HWY STE 501 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | MADISON |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | WI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 53713 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 6082741980 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-08-06 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | QUINN DUGAN |
| ReturnHeader/ReturnTs | 0 | 2025-08-15T13:25:09-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2023-10-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-09-30 |
| ReturnHeader/TaxYr | 0 | 2023 |
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