Civic Intelligence

Incharge Financial Solutions

990 • Fiscal year 2012 • EIN 33-0770440

Jan 01, 2012 to Dec 31, 2012 • Filed on Aug 13, 2013

Organization ProfileWWW.INCHARGE.ORG
5750 Major Blvd No 30032819
Siviq Scores

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

Liabilities / Assets

54th percentile

0.30x

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

2012 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

77th percentile

11%

Faster asset growth than 77% of similar nonprofits.

2012 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets54th percentile

Assets

Up

$7,834,987

Up $798,881 (+11%) from 2011

Net Assets

Up

$5,473,016

Up $351,127 (+6.9%) from 2011

Liabilities

Up

$2,361,971

Up $447,754 (+23%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$20,311,167

Down $553,921 (-2.7%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth77th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$15M$10M$5.0M$0Assets 2010: $8,448,465Liabilities 2010: $1,162,263Net Assets 2010: $7,286,2022010Assets 2011: $7,036,106Liabilities 2011: $1,914,217Net Assets 2011: $5,121,8892011Assets 2012: $7,834,987Liabilities 2012: $2,361,971Net Assets 2012: $5,473,0162012Assets 2013: $8,118,399Liabilities 2013: $2,523,961Net Assets 2013: $5,594,4382013Assets 2014: $6,378,131Liabilities 2014: $2,264,114Net Assets 2014: $4,114,0172014Assets 2015: $5,035,758Liabilities 2015: $1,870,420Net Assets 2015: $3,165,3382015Assets 2017: $5,332,430Liabilities 2017: $2,571,257Net Assets 2017: $2,761,1732017Assets 2018: $6,405,414Liabilities 2018: $3,053,930Net Assets 2018: $3,351,4842018Assets 2021: $11,087,223Liabilities 2021: $2,099,857Net Assets 2021: $8,987,3662021Assets 2024: $8,464,175Liabilities 2024: $2,299,213Net Assets 2024: $6,164,9622024

Highlighted filing

2012

Assets$7,834,987
Liabilities$2,361,971
Net Assets$5,473,016
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0-$10MExpenses 2010: $20,001,4552010Expenses 2011: $20,865,0882011Expenses 2012: $20,311,1672012Revenue 2013: $16,948,781Expenses 2013: $16,810,770Net Income 2013: $138,0112013Revenue 2014: $14,933,759Expenses 2014: $16,393,416Net Income 2014: -$1,459,6572014Revenue 2015: $15,026,293Expenses 2015: $15,977,232Net Income 2015: -$950,9392015Revenue 2017: $15,186,997Expenses 2017: $15,053,090Net Income 2017: $133,9072017Revenue 2018: $16,065,326Expenses 2018: $15,466,298Net Income 2018: $599,0282018Revenue 2021: $18,359,238Expenses 2021: $14,381,236Net Income 2021: $3,978,0022021Revenue 2024: $15,025,410Expenses 2024: $15,018,843Net Income 2024: $6,5672024

Highlighted filing

2012

Revenue-
Expenses$20,311,167
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Aug 13, 2013
Return Version
2012v2.1
Gross Receipts
$21,202,705
Mission and Program Overview

Mission

Incharge debt solutions helps consumers achieve financial balance and move closer to their dreams.

Major Activities

Activity 2
Debt management - ids offers debt management programs to assist consumers in paying off their unsecured debts and to better manage their financial obligations in the future. Ids processes debt payments, attempts to secure a reduction in interest rates, and attempts to establish affordable monthly payments on the clients' behalf. Clients are provided initial and continuing educational assistance through financial educational materials and guidance in financial matters as determined by the client's needs.
Activity 3
Bankruptcy counseling and debtor education - bankruptcy legislation enacted by congress in 2005 requires individuals filing for bankruptcy to complete a bankruptcy credit counseling session prior to filing, and an instructional course in personal financial management (debtor education) prior to receiving a bankruptcy discharge. To offer convenient, on-demand access to this required content, ids provides interactive web-based and telephonic bankruptcy credit counseling and debtor education programs. Both programs issue certificates to individuals who complete each program as required by the title 11 bankruptcy code. During 2012, over 135,000 certificates were issued to bankruptcy petitioners evidencing their successful completion of the bankruptcy credit counseling session and the personal financial management course.
Filing and Contact Details

Filer

EIN
33-0770440
Raw XML AppendixShowing 400 of 783 raw XML fields

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IRS990/Activity2/Description0DEBT MANAGEMENT - IDS OFFERS DEBT MANAGEMENT PROGRAMS TO ASSIST CONSUMERS IN PAYING OFF THEIR UNSECURED DEBTS AND TO BETTER MANAGE THEIR FINANCIAL OBLIGATIONS IN THE FUTURE. IDS PROCESSES DEBT PAYMENTS, ATTEMPTS TO SECURE A REDUCTION IN INTEREST RATES, AND ATTEMPTS TO ESTABLISH AFFORDABLE MONTHLY PAYMENTS ON THE CLIENTS' BEHALF. CLIENTS ARE PROVIDED INITIAL AND CONTINUING EDUCATIONAL ASSISTANCE THROUGH FINANCIAL EDUCATIONAL MATERIALS AND GUIDANCE IN FINANCIAL MATTERS AS DETERMINED BY THE CLIENT'S NEEDS.
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IRS990/Activity3/Description0BANKRUPTCY COUNSELING AND DEBTOR EDUCATION - BANKRUPTCY LEGISLATION ENACTED BY CONGRESS IN 2005 REQUIRES INDIVIDUALS FILING FOR BANKRUPTCY TO COMPLETE A BANKRUPTCY CREDIT COUNSELING SESSION PRIOR TO FILING, AND AN INSTRUCTIONAL COURSE IN PERSONAL FINANCIAL MANAGEMENT (DEBTOR EDUCATION) PRIOR TO RECEIVING A BANKRUPTCY DISCHARGE. TO OFFER CONVENIENT, ON-DEMAND ACCESS TO THIS REQUIRED CONTENT, IDS PROVIDES INTERACTIVE WEB-BASED AND TELEPHONIC BANKRUPTCY CREDIT COUNSELING AND DEBTOR EDUCATION PROGRAMS. BOTH PROGRAMS ISSUE CERTIFICATES TO INDIVIDUALS WHO COMPLETE EACH PROGRAM AS REQUIRED BY THE TITLE 11 BANKRUPTCY CODE. DURING 2012, OVER 135,000 CERTIFICATES WERE ISSUED TO BANKRUPTCY PETITIONERS EVIDENCING THEIR SUCCESSFUL COMPLETION OF THE BANKRUPTCY CREDIT COUNSELING SESSION AND THE PERSONAL FINANCIAL MANAGEMENT COURSE.
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IRS990/ActivityOrMissionDescription0INCHARGE DEBT SOLUTIONS (IDS) PROVIDES CREDIT, BANKRUPTCY AND HOUSING COUNSELING SERVICES TO THE GENERAL PUBLIC. THESE SERVICES INCLUDE EDUCATIONAL MATERIALS AND RESOURCES, SOLUTIONS-BASED COUNSELING, CLIENT DEBT MANAGEMENT PROGRAMS, BANKRUPTCY CREDIT COUNSELING AND PRE-DISCHARGE DEBTOR EDUCATION SERVICES, FORECLOSURE PREVENTION, HOMEBUYER EDUCATION, AND OTHER FINANCIAL LITERACY ACTIVITIES FOR THE BENEFIT OF THE GENERAL PUBLIC.
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IRS990/FSAuditedBasis/FinancialStatementBoth0X
IRS990/FundraisingActivities00
IRS990/FundsToPayPremiums00
IRS990/GainOrLoss/Securities0-935
IRS990/Gaming00
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsAndSimilarAmntsPriorYear00
IRS990/GrantsToIndividuals00
IRS990/GrantsToOrganizations00
IRS990/GrantToRelatedPerson00
IRS990/GrossAmountSalesAssets/Securities0559968
IRS990/GrossReceipts021202705
IRS990/GroupReturnForAffiliates00
IRS990/Hospital00
IRS990/IndependentAuditFinancialStmt01
IRS990/IndoorTanningServices00
IRS990/InfoInScheduleOPartIII0X
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXII0X
IRS990/InformationTechnology/Fundraising0284
IRS990/InformationTechnology/ManagementAndGeneral08415
IRS990/InformationTechnology/ProgramServices0159441
IRS990/InformationTechnology/Total0168140
IRS990/Insurance/Fundraising03
IRS990/Insurance/ManagementAndGeneral081
IRS990/Insurance/ProgramServices01521
IRS990/Insurance/Total01605
IRS990/InventoriesForSaleOrUse/BOY06872
IRS990/InventoriesForSaleOrUse/EOY01208
IRS990/InvestmentIncomeCurrentYear034558
IRS990/InvestmentIncome/ExclusionAmount035493
IRS990/InvestmentIncomePriorYear024225
IRS990/InvestmentIncome/TotalRevenueColumn035493
IRS990/InvestmentInJointVenture00
IRS990/InvestmentsPubTradedSecurities/BOY02381156
IRS990/InvestmentsPubTradedSecurities/EOY03836896
IRS990/LandBldgEquipmentAccumDeprec06368657
IRS990/LandBuildingsEquipmentBasis06371324
IRS990/LandBuildingsEquipmentBasisNet/BOY06667
IRS990/LandBuildingsEquipmentBasisNet/EOY02667
IRS990/LessCostOthBasisSalesExpenses/Securities0560903
IRS990/LoanToOfficerOrDQP00
IRS990/LobbyingActivities00
IRS990/LocalChapters00
IRS990/MaterialDiversionOrMisuse00
IRS990/MembersOrStockholders00
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees01
IRS990/MinutesOfGoverningBody01
IRS990/MissionDescription0INCHARGE DEBT SOLUTIONS PROVIDES CREDIT, BANKRUPTCY AND HOUSING COUNSELING SERVICES TO THE GENERAL PUBLIC. THESE SERVICES INCLUDE EDUCATIONAL MATERIALS AND RESOURCES, SOLUTIONS-BASED COUNSELING, CLIENT DEBT MANAGEMENT PROGRAMS, BANKRUPTCY CREDIT COUNSELING AND PRE-DISCHARGE DEBTOR EDUCATION SERVICES, FORECLOSURE PREVENTION, HOMEBUYER EDUCATION, AND OTHER FINANCIAL LITERACY ACTIVITIES FOR THE BENEFIT OF THE GENERAL PUBLIC.
IRS990/MoreThan5000KToIndividuals00
IRS990/MoreThan5000KToOrganizations00
IRS990/NameOfPrincipalOfficerPerson0ETTA W MONEY
IRS990/NbrIndependentVotingMembers09
IRS990/NbrVotingGoverningBodyMembers010
IRS990/NbrVotingMembersGoverningBody010
IRS990/NetAssetsOrFundBalancesBOY05121889
IRS990/NetAssetsOrFundBalancesEOY05473016
IRS990/NetGainOrLossInvestments/ExclusionAmount0-935
IRS990/NetGainOrLossInvestments/TotalRevenueColumn0-935
IRS990/NetUnrelatedBusinessTxblIncome00
IRS990/NonDeductibleContributions00
IRS990/NumberFormsTransmittedWith1096015
IRS990/NumberIndependentVotingMembers09
IRS990/NumberIndividualsGT100K08
IRS990/NumberOfContractorsGT100K06
IRS990/NumberOfEmployees0154
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Fundraising0707
IRS990/Occupancy/ManagementAndGeneral020963
IRS990/Occupancy/ProgramServices0397186
IRS990/Occupancy/Total0418856
IRS990/OfficeExpenses/Fundraising09
IRS990/OfficeExpenses/ManagementAndGeneral0299
IRS990/OfficeExpenses/ProgramServices05629
IRS990/OfficeExpenses/Total05937
IRS990/OfficerEntityWithBsnssRltnshp00
IRS990/OfficerMailingAddress00
IRS990/Organization501c30X
IRS990/OtherAssetsTotal/BOY01191484
IRS990/OtherAssetsTotal/EOY01289712
IRS990/OtherEmployeeBenefits/Fundraising01394
IRS990/OtherEmployeeBenefits/ManagementAndGeneral041342
IRS990/OtherEmployeeBenefits/ProgramServices0783287
IRS990/OtherEmployeeBenefits/Total0826023
IRS990/OtherExpensePriorYear010765779
IRS990/OtherExpensesCurrentYear013361408
IRS990/OtherExpenses/Description0OVERHEAD SUPPORT
IRS990/OtherExpenses/Description1PUBLIC AWARENESS
IRS990/OtherExpenses/Description2EDUCATIONAL SERVICES &
IRS990/OtherExpenses/Description3STATE LICENSING & PERMI
IRS990/OtherExpenses/Fundraising09505
IRS990/OtherExpenses/Fundraising17744
IRS990/OtherExpenses/Fundraising22905
IRS990/OtherExpenses/Fundraising3266
IRS990/OtherExpenses/ManagementAndGeneral0281910
IRS990/OtherExpenses/ManagementAndGeneral1229679
IRS990/OtherExpenses/ManagementAndGeneral20
IRS990/OtherExpenses/ManagementAndGeneral37874
IRS990/OtherExpenses/ProgramServices05341314
IRS990/OtherExpenses/ProgramServices14351701
IRS990/OtherExpenses/ProgramServices21631981
IRS990/OtherExpenses/ProgramServices3149204
IRS990/OtherExpenses/Total05632729
IRS990/OtherExpenses/Total14589124
IRS990/OtherExpenses/Total21634886
IRS990/OtherExpenses/Total3157344
IRS990/OtherExplainInSchO0X
IRS990/OtherLiabilities/BOY00
IRS990/OtherLiabilities/EOY060270
IRS990/OtherRevenueCurrentYear00
IRS990/OtherRevenuePriorYear00
IRS990/OtherSalariesAndWages/ProgramServices04677279
IRS990/OtherSalariesAndWages/Total04677279
IRS990/PartialLiquidation00
IRS990/PayrollTaxes/Fundraising0755
IRS990/PayrollTaxes/ManagementAndGeneral022395
IRS990/PayrollTaxes/ProgramServices0424299
IRS990/PayrollTaxes/Total0447449
IRS990/PensionPlanContributions/Fundraising0269
IRS990/PensionPlanContributions/ManagementAndGeneral07973
IRS990/PensionPlanContributions/ProgramServices0151071

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$7,834,987
Liabilities
$2,361,971
Net assets
$5,473,016
Revenue
-
Expenses
$20,311,167
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.46$2.30$6.16$15.0$15.0$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.1$2.10$8.99$18.4$14.4$3.98
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.41$3.05$3.35$16.1$15.5$0.60
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.33$2.57$2.76$15.2$15.1$0.13
2015Detailed filing. Detailed filing data is available for this year.$5.04$1.87$3.17$15.0$16.0$0.95
2014Detailed filing. Detailed filing data is available for this year.$6.38$2.26$4.11$14.9$16.4$1.46
2013Detailed filing. Detailed filing data is available for this year.$8.12$2.52$5.59$16.9$16.8$0.14
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.83$2.36$5.47$20.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.04$1.91$5.12$20.9
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.45$1.16$7.29$20.0