Civic Intelligence

Advantage Debt Management of America Inc

EIN 31-1328837 • 501(c)3

Profile

Debt counseling and education of participants and general public through seminars and individual education programs. Us bankruptcy trustee certification of individuals in need of pre bankruptcy counseling and post bankruptcy education services.

4015 Executive Park DriveRoom/Suite St 15045241

helpwithbills.org

Siviq Scores

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

Liabilities / Assets

89th percentile

0.66x

Higher debt load relative to assets than 89% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2013

Liabilities / Revenue

69th percentile

0.09x

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

501(c)3 • $500k-$1M nonprofits • Source year 2013

Net Margin

32nd percentile

-3.7%

Higher net margin than 32% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2013

Top Officer Pay

83rd percentile

$89,735

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 9.3% of source-year revenue.

501(c)3 • $500k-$1M nonprofits • Source year 2013

Asset Growth

9th percentile

-34%

Faster asset growth than 9% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets89th percentile

Assets

Down

$135,243

Down $69,049 (-34%) from 2012

Liabilities

Down

$89,630

Down $33,082 (-27%) from 2012

Net Assets

Down

$45,613

Down $35,967 (-44%) from 2012

Operations
Liabilities / Revenue69th percentileNet Margin32nd percentile

Revenue

$960,595

No earlier filing loaded for comparison.

Expenses

Down

$996,563

Down $147,144 (-13%) from 2012

Net Income

-$35,968

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth9th percentile

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

$300K$200K$100K$0Assets 2010: $205,211Liabilities 2010: $108,541Net Assets 2010: $96,6702010Assets 2011: $158,825Liabilities 2011: $88,563Net Assets 2011: $70,2622011Assets 2012: $204,292Liabilities 2012: $122,712Net Assets 2012: $81,5802012Assets 2013: $135,243Liabilities 2013: $89,630Net Assets 2013: $45,6132013

Highlighted filing

2013

Assets$135,243
Liabilities$89,630
Net Assets$45,613
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,647,7952010Expenses 2011: $1,273,3752011Expenses 2012: $1,143,7072012Revenue 2013: $960,595Expenses 2013: $996,563Net Income 2013: -$35,9682013

Highlighted filing

2013

Revenue$960,595
Expenses$996,563
Net Income-$35,968
Open 2013 Filing

Filings

Most recent year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$135,243
Liabilities
$89,630
Net assets
$45,613
Revenue
$960,595
Expenses
$996,563
Net income
-$35,968
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$0.14$0.09$0.05$0.96$1.00$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.20$0.12$0.08$1.14
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.16$0.09$0.07$1.27
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.21$0.11$0.10$1.65
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 14, 2014
Return Version
2013v3.1
Gross Receipts
$960,595
Mission and Program Overview

Mission

Debt counseling and education of participants and general public through seminars and individual education programs. Us bankruptcy trustee certification of individuals in need of pre bankruptcy counseling and post bankruptcy education services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$204,293$135,243▼ $69,050
Total Assets$204,293$135,243▼ $69,050
Liabilities
Other Liabilities$122,712$89,630▼ $33,082
Total Liabilities$122,712$89,630▼ $33,082
Net Assets / Fund Balance
Unrestricted Net Assets$81,581$45,613▼ $35,968
Total Net Assets Fund Balance$81,581$45,613▼ $35,968
Total Liabilities and Net Assets / Fund Balance$204,293$135,243▼ $69,050
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Darren BeighleExec. DirectFT$85,251$4,484$89,735
James LucasVP SecFT$40,800$2,341$43,141

Board Members and Trustees

NameTitle
Douglas S KecmanChairman
Harold G ClarkstonTrustee
Jerome J DonnellonTrustee
Randy SuerTrustee
Robert SupeTrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$630,352
Program Service Revenue
$330,243
Investment Income
$0
Other Revenue
$0
All Other Contributions
$630,352
Change in Net Assets
$-35,968

Audited Revenue Reconciliation

Revenue per Audited Statements
$960,595
Total Revenue per Audited Statements
$960,595
Total Revenue per Form 990
$960,595
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$643,326
Other Expenses$353,237
Total Fundraising Expense$31,575
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$373,839-$3,776$377,615
Office Expenses$133,017$6,301$700$140,018
Current Officers, Directors, Trustees, and Key Employees$34,680$72,281$19,090$126,051
Other Employee Benefits$44,756$7,321$1,956$54,033
Comp Disqual Persons$39,375$2,625$1,750$43,750
Payroll Taxes$34,687$5,674$1,516$41,877
Occupancy$28,930$2,544$310$31,784
Other Expenses$17,835$1,981$220$19,816
Insurance$12,730$3,264$326$16,320
Advertising$13,687--$13,687
Information Technology$12,220$643-$12,863
Conferences and Meetings$962$152$59$1,173
Fees for Services Legal$935$49-$984
Travel$822$91-$913
Total Functional Expenses$852,074$112,914$31,575$996,563

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$996,938
Expenses per Audited Statements$996,563
Total Expenses per Form 990$996,563
Expenses Not Reported on Form 990$375
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
Client Escrow Funds$89,630
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 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, Page 6, Part VI, Line 9

“Bradley wood (employment terminated)”

Form 990, Page 6, Part VI, Line 10B

“The company maintains formal policies and procedures to be followed by branch offices.”

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

“990 is prepared by cpa firm and reviewed by management prior to filing. It is subsequently reviewed with the entire governing body.”

Form 990, Page 6, Part VI, Line 12C

“Management and the governing board has the responsibilty to monitor and identify possible transactions which could result in a conflict of interest. Further each board member and officer signs an annual representation that they are not aware of any conflicts of interest.”

Form 990, Page 6, Part VI, Line 15A

“The governing body as a whole reviews and approves compensation levels for the executive director on an annual basis. Salary comparability data is derived from the industry association in which the company is a member.”

Form 990, Page 6, Part VI, Line 15B

“The governing body as a whole reviews and approves compensation levels for the officers on an annual basis. Salary comparability data is derived from the industry association in which the company is a member.”

Form 990, Page 6, Part VI, Line 19

“The organization's governing documents, conflict of interest policy and financial statements are available to the public upon request.”

Filing and Contact Details

Filer

EIN
31-1328837
Phone
5139471234

Signing Officer

Name
Darren Beighle
Title
Executive Director
Phone
5139471234
Signed
2014-11-14

Organization Details

Principal Officer
Darren Beighle
Formed
1994
Legal Domicile
Oh
Voting Board Members
6
Independent Board Members
5
Employees
13

Preparer

Preparer
William B Donlin
Phone
8597819800
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Debt counseling and education of participants and general public through seminars and individual education programs. Us bankruptcy trustee certification of individuals in need of pre bankruptcy counseling and post bankruptcy education services.”

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

“NO OTHER PROGRAMS”

Form 990, Part XI, Line 9

“Accrual to cash adjustments -375”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Cash funds are provided to the entity by debt management participants. Funds are used to pay the creditors of the individuals in accordance with the agreed-upon payment terms.”

Schedule D, Page 4, Part XII, Line 2D

“Accrual to cash adjustments 375”

Raw XML AppendixShowing 400 of 415 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/TitleTxt0EXEC. DIRECT
IRS990/Form990PartVIISectionAGrp/TitleTxt1TRUSTEE
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IRS990/Form990PartVIISectionAGrp/TitleTxt4TRUSTEE
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IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0267
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IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0551168
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0595124
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0962348
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt01122953
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IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt01875246
IRS990ScheduleA/Total509Grp/TotalAmt06915415
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0960595
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IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt01875246
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt06915682
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IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
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IRS990ScheduleD/ExpensesSubtotalAmt0996563
IRS990ScheduleD/ExplanationProvidedInd0X
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IRS990ScheduleD/OtherExpensesIncludedAmt0375
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt089630
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CLIENT ESCROW FUNDS
IRS990ScheduleD/RevenueSubtotalAmt0960595
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0CASH FUNDS ARE PROVIDED TO THE ENTITY BY DEBT MANAGEMENT PARTICIPANTS. FUNDS ARE USED TO PAY THE CREDITORS OF THE INDIVIDUALS IN ACCORDANCE WITH THE AGREED-UPON PAYMENT TERMS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1ACCRUAL TO CASH ADJUSTMENTS 375
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 2D
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IRS990ScheduleD/TotalLiabilityAmt089630
IRS990ScheduleD/TotalRevenuePerForm990Amt0960595
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0960595
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0996938
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DEBT COUNSELING AND EDUCATION OF PARTICIPANTS AND GENERAL PUBLIC THROUGH SEMINARS AND INDIVIDUAL EDUCATION PROGRAMS. US BANKRUPTCY TRUSTEE CERTIFICATION OF INDIVIDUALS IN NEED OF PRE BANKRUPTCY COUNSELING AND POST BANKRUPTCY EDUCATION SERVICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NO OTHER PROGRAMS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BRADLEY WOOD (EMPLOYMENT TERMINATED)
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE COMPANY MAINTAINS FORMAL POLICIES AND PROCEDURES TO BE FOLLOWED BY BRANCH OFFICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4990 IS PREPARED BY CPA FIRM AND REVIEWED BY MANAGEMENT PRIOR TO FILING. IT IS SUBSEQUENTLY REVIEWED WITH THE ENTIRE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MANAGEMENT AND THE GOVERNING BOARD HAS THE RESPONSIBILTY TO MONITOR AND IDENTIFY POSSIBLE TRANSACTIONS WHICH COULD RESULT IN A CONFLICT OF INTEREST. FURTHER EACH BOARD MEMBER AND OFFICER SIGNS AN ANNUAL REPRESENTATION THAT THEY ARE NOT AWARE OF ANY CONFLICTS OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE GOVERNING BODY AS A WHOLE REVIEWS AND APPROVES COMPENSATION LEVELS FOR THE EXECUTIVE DIRECTOR ON AN ANNUAL BASIS. SALARY COMPARABILITY DATA IS DERIVED FROM THE INDUSTRY ASSOCIATION IN WHICH THE COMPANY IS A MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE GOVERNING BODY AS A WHOLE REVIEWS AND APPROVES COMPENSATION LEVELS FOR THE OFFICERS ON AN ANNUAL BASIS. SALARY COMPARABILITY DATA IS DERIVED FROM THE INDUSTRY ASSOCIATION IN WHICH THE COMPANY IS A MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9ACCRUAL TO CASH ADJUSTMENTS -375
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 10B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0852074
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IRS990/TotalGrossUBIAmt00
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IRS990/TotalOtherCompensationAmt06825
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IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0204293
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0135243
IRS990/TravelGrp/ManagementAndGeneralAmt091
IRS990/TravelGrp/ProgramServicesAmt0822
IRS990/TravelGrp/TotalAmt0913
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IRS990/TypeOfOrganizationCorpInd0X
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IRS990/USAddress/State0OH
IRS990/USAddress/ZIPCode045241
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IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0HELPWITHBILLS.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DARREN BEIGHLE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum05139471234
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10ADVANTAGE DEBT MANAGEMENT OF
ReturnHeader/Filer/BusinessName/BusinessNameLine20AMERICA INC
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ReturnHeader/Filer/EIN0311328837
ReturnHeader/Filer/PhoneNum05139471234
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ReturnHeader/Filer/USAddress/City0CINCINNATI

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