Civic Intelligence

Credit Card Management Services Inc

EIN 31-1483386 • 501(c)3 • West Palm Beach, FL

View Organization Page

Profile

To educate, advise and empower youth to seniors to handle debt, credit & housing and to provide affordable housing opportunities through the acquisition and rehabilitation of residential properties. Debthelper.com partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their community.

1325 N Congress Ave 201West Palm Beach, FL 33401

www.debthelper.com

Siviq Scores

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

Liabilities / Assets

50th percentile

0.13x

Higher debt load relative to assets than 50% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

54th percentile

0.19x

Higher debt load relative to revenue than 54% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Net Margin

60th percentile

9.2%

Higher net margin than 60% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

85th percentile

$270,730

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 6.0% of source-year revenue.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Asset Growth

51st percentile

4.4%

Faster asset growth than 51% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

70th percentile

22%

Faster revenue growth than 70% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$6,796,466

Up $287,798 (+4.4%) from 2024

Liabilities

Down

$853,429

Down $125,435 (-13%) from 2024

Net Assets

Up

$5,943,037

Up $413,233 (+7.5%) from 2024

Operations
Liabilities / Revenue54th percentileNet Margin60th percentile

Revenue

Up

$4,502,566

Up $811,501 (+22%) from 2024

Expenses

Up

$4,089,333

Up $547,670 (+15%) from 2024

Net Income

Up

$413,233

Up $263,831 (+177%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth51st percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2019: $2,968,631Liabilities 2019: $240,941Net Assets 2019: $2,727,6902019Assets 2020: $3,651,126Liabilities 2020: $93,163Net Assets 2020: $3,557,9632020Assets 2021: $5,178,189Liabilities 2021: $277,069Net Assets 2021: $4,901,1202021Assets 2022: $6,354,828Liabilities 2022: $1,083,563Net Assets 2022: $5,271,2652022Assets 2023: $6,356,815Liabilities 2023: $976,413Net Assets 2023: $5,380,4022023Assets 2024: $6,508,668Liabilities 2024: $978,864Net Assets 2024: $5,529,8042024Assets 2025: $6,796,466Liabilities 2025: $853,429Net Assets 2025: $5,943,0372025

Highlighted filing

2025

Assets$6,796,466
Liabilities$853,429
Net Assets$5,943,037
Open 2025 Filing

Operations Trend

Revenue Growth70th percentile

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

$6.0M$4.0M$2.0M$0Revenue 2019: $3,653,894Expenses 2019: $3,396,535Net Income 2019: $257,3592019Revenue 2020: $4,210,895Expenses 2020: $3,380,622Net Income 2020: $830,2732020Revenue 2021: $4,430,577Expenses 2021: $3,087,420Net Income 2021: $1,343,1572021Revenue 2022: $4,043,282Expenses 2022: $3,673,137Net Income 2022: $370,1452022Revenue 2023: $3,414,473Expenses 2023: $3,305,336Net Income 2023: $109,1372023Revenue 2024: $3,691,065Expenses 2024: $3,541,663Net Income 2024: $149,4022024Revenue 2025: $4,502,566Expenses 2025: $4,089,333Net Income 2025: $413,2332025

Highlighted filing

2025

Revenue$4,502,566
Expenses$4,089,333
Net Income$413,233
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$6,796,466
Liabilities
$853,429
Net assets
$5,943,037
Revenue
$4,502,566
Expenses
$4,089,333
Net income
$413,233
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$6.80$0.85$5.94$4.50$4.09$0.41
2024Detailed filing. Detailed filing data is available for this year.$6.51$0.98$5.53$3.69$3.54$0.15
2023Detailed filing. Detailed filing data is available for this year.$6.36$0.98$5.38$3.41$3.31$0.11
2022Detailed filing. Detailed filing data is available for this year.$6.35$1.08$5.27$4.04$3.67$0.37
2021Detailed filing. Detailed filing data is available for this year.$5.18$0.28$4.90$4.43$3.09$1.34
2020Detailed filing. Detailed filing data is available for this year.$3.65$0.09$3.56$4.21$3.38$0.83
2019Detailed filing. Detailed filing data is available for this year.$2.97$0.24$2.73$3.65$3.40$0.26
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 6, 2026
Return Version
2025v4.0
Gross Receipts
$4,502,566
Mission and Program Overview

Mission

To educate, advise and empower youth to seniors to handle debt, credit & housing and to provide affordable housing opportunities through the acquisition and rehabilitation of residential properties. Debthelper.com partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their community.

LMI; credit counseling, budget and debt management; Comprehensive HUD approved housing counseling and EOUST credit counseling and debtor education prior to consumer bankruptcy. To partner in affordable housing opportunities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$1,998,326$2,264,289▲ $265,963
Savings and Temporary Cash Investments$2,294,441$2,183,423▼ $111,018
Investments in Publicly Traded Securities$848,529$1,028,881▲ $180,352
Cash and Non-Interest-Bearing Accounts$449,695$482,447▲ $32,752
Accounts Receivable$222,037$269,041▲ $47,004
Prepaid Expenses and Deferred Charges$14,071$14,680▲ $609
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$6,508,668$6,796,466▲ $287,798
Other Assets Total$681,569$553,705▼ $127,864
Liabilities
Accounts Payable and Accrued Expenses$405,138$452,524▲ $47,386
Other Liabilities$573,726$400,905▼ $172,821
Total Liabilities$978,864$853,429▼ $125,435
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$5,529,804$5,943,037▲ $413,233
Total Net Assets Fund Balance$5,529,804$5,943,037▲ $413,233
Total Liabilities and Net Assets / Fund Balance$6,508,668$6,796,466▲ $287,798

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,993,410-$1,993,410
Other Land Buildings$41,577$252,202$293,779
Land$223,391-$223,391
Equipment-$200,761$200,761
Leasehold Improvements$5,911$18,579$24,490
Other Assets Org$126,275--
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mr Paul Donohue JrPresidentFT$259,000$11,730$270,730
Rajesh BhavsarIT DirectorFT$174,000$6,000$180,000
Mohan LalwaniProgram ManagerFT$139,966-$139,966
Ann-Marie DrapeauOperation DirectorFT$137,510-$137,510

Board Members and Trustees

NameTitle
Dr Kurt StahuraDirector
Mr George Lubeck IIIDirector
Mr James H SutchDirector
Mr Mathew CurranDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$492,742
Program Service Revenue
$3,928,525
Investment Income
$81,299
Other Revenue
$0
All Other Contributions
$168,256
Change in Net Assets
$413,233

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,502,566
Total Revenue per Audited Statements
$4,502,566
Total Revenue per Form 990
$4,502,566
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,462,470
Other Expenses$1,626,863
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,790,563--$1,790,563
Advertising$391,022--$391,022
Current Officers, Directors, Trustees, and Key Employees$150,314$108,686-$259,000
Fees for Services Other$238,564--$238,564
Occupancy$214,113--$214,113
Other Employee Benefits$196,012$4,347-$200,359
Payroll Taxes$155,538$8,151-$163,689
All Other Expenses$138,817--$138,817
Other Expenses$58,964--$58,964
Pension Plan Contributions$48,859--$48,859
Insurance$48,411--$48,411
Travel$29,039--$29,039
Depreciation Depletion$11,774--$11,774
Fees for Services Accounting$10,000--$10,000
Fees for Services Legal$4,270--$4,270
Total Functional Expenses$3,968,149$121,184$0$4,089,333

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,089,333
Total Expenses per Audited Statements$4,089,333
Total Expenses per Form 990$4,089,333
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease Payable$400,905
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“Staff and Board Reviews. Then CPA finalized with staff and Board reviews.”

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

“Officers, Directors and key employees are required to disclose annually any interests that could give rise to conflict. Compliance Questionnaires are completed annually. The questionnaires are filed with the Corporate Records.”

Form 990, Part VI, Section B, Line 15A

“The compensation committee of the Board reviews President's salary and compares with the industry. The compensation committee of the Board review and approves the President's compensation independently of the President (who does not vote on or approve own compensation).”

Form 990, Part VI, Section B, Line 15B

“Top agency employees are reviewed by the compensation committee of the board.”

Form 990, Part VI, Section C, Line 18

“candid.org or upon request to the company's 800#.”

Form 990, Part VI, Section C, Line 19

“Documents, finances and conflict of interest policy are on candid.org or available on request.”

Filing and Contact Details

Filer

Filer Name
Credit Card Management Services Inc
EIN
31-1483386
Phone
5614728000
Address
1325 N Congress Ave 201, West Palm Beach, FL 33401

Signing Officer

Name
Mr Paul Donohue Jr
Title
President
Signed
2026-03-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mr Paul Donohue Jr
Formed
1996
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
4
Employees
45
Volunteers
6

Preparer

Firm
Divine Blalock Martin & Sellari LLC
Address
580 VILLAGE BLVD SUITE 110, WEST PALM BEACH, FL 33409
Preparer
Dustan Brown CPA
Phone
5616861110
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IRS990/Desc0Financial literacy 13,305 served. Approved to issue debt management plans in nearly all 50 states. Licensed bonded and insured. Consumers looking for relief paying back their credit cards are provided assistance with interest rates and repayment terms while on a debt management plan. Plans usually take about four years to repay and generally pay less interest and more toward the principal of the amount owed. Consumers look to improve their personal financial condition, improve credit knowledge, increase asset building and avoid personal bankruptcy.
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IRS990/MissionDesc0To educate, advise and empower youth to seniors to handle debt, credit & housing and to provide affordable housing opportunities through the acquisition and rehabilitation of residential properties. Debthelper.com partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their community.
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IRS990/PrincipalOfficerNm0Mr Paul Donohue Jr
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IRS990/ProgSrvcAccomActy2Grp/Desc0Comprehensive Housing Counseling and Education; 8,433 served. CCMS provides HUD approved housing counseling. Home buyers education, reverse mortgage counseling for seniors looking to convert their home equity to cash; and financial literacy group education. Estimated 250 volunteer hours. Debthelper partners with 1,300 agencies to deliver quality counseling.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt01068064
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IRS990/ProgSrvcAccomActy2Grp/RevenueAmt01041832
IRS990/ProgSrvcAccomActy3Grp/Desc0Credit Counseling and Debtor Education EOUST bankruptcy program; 36,279 served. Approved to issue certificates of completion of credit counseling or debtor education in compliance with the bankruptcy code. Approval does not endorse or guarantee or assure the quality of the provider's services.
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IRS990/ProgSrvcAccomActyOtherGrp/Desc0Debthelper provides safe decent affordable housing as a partner with the NCST program. Debthelper rents 13 affordable home primarily to low to moderate income familes via Property Holdings of CCMS, LLC.
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