Civic Intelligence

Incharge Financial Solutions

990 • Fiscal year 2013 • EIN 33-0770440

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 07, 2014

Organization ProfileWWW.INCHARGE.ORG
5750 Major Blvd No 30032819

(407) 291-7770

Siviq Scores

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

Liabilities / Assets

56th percentile

0.31x

Higher debt load relative to assets than 56% of similar nonprofits.

2013 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

38th percentile

0.15x

Higher debt load relative to revenue than 38% of similar nonprofits.

2013 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2013

Net Margin

41st percentile

0.8%

Higher net margin than 41% of similar nonprofits.

2013 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

80th percentile

$314,117

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2013 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2013

Asset Growth

50th percentile

3.6%

Faster asset growth than 50% of similar nonprofits.

2013 filings • 501(c)3 • $10M-$25M 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 / Assets56th percentile

Assets

Up

$8,118,399

Up $283,412 (+3.6%) from 2012

Net Assets

Up

$5,594,438

Up $121,422 (+2.2%) from 2012

Liabilities

Up

$2,523,961

Up $161,990 (+6.9%) from 2012

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin41st percentile

Revenue

$16,948,781

No earlier filing loaded for comparison.

Expenses

Down

$16,810,770

Down $3,500,397 (-17%) from 2012

Net Income

$138,011

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth50th 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

2013

Assets$8,118,399
Liabilities$2,523,961
Net Assets$5,594,438
Open 2013 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

2013

Revenue$16,948,781
Expenses$16,810,770
Net Income$138,011
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 7, 2014
Return Version
2013v3.0
Gross Receipts
$16,948,781
Mission and Program Overview

Mission

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

Incharge 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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$3,836,896$2,024,091▼ $1,812,805
Land, Buildings, and Equipment, Net$2,667$1,646,066▲ $1,643,399
Savings and Temporary Cash Investments$2,251,776$1,444,710▼ $807,066
Accounts Receivable$87,393$476,650▲ $389,257
Prepaid Expenses and Deferred Charges$216,259$360,825▲ $144,566
Pledges and Grants Receivable$149,076$154,240▲ $5,164
Inventories for Sale or Use$1,208$2,518▲ $1,310
Total Assets$7,834,987$8,118,399▲ $283,412
Other Assets Total$1,289,712$2,009,299▲ $719,587
Liabilities
Escrow Account Liability$1,226,575$1,033,571▼ $193,004
Other Liabilities$60,270$975,728▲ $915,458
Accounts Payable and Accrued Expenses$1,075,126$414,662▼ $660,464
Deferred Revenue-$100,000-
Total Liabilities$2,361,971$2,523,961▲ $161,990
Net Assets / Fund Balance
Unrestricted Net Assets$5,084,381$5,388,129▲ $303,748
Temporarily Rstr Net Assets$388,635$206,309▼ $182,326
Total Net Assets Fund Balance$5,473,016$5,594,438▲ $121,422
Total Liabilities and Net Assets / Fund Balance$7,834,987$8,118,399▲ $283,412

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,646,066$7,098,568$8,744,634
Other Assets Org$975,728--
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Etta W MoneyPresident & CEOFT$215,563$89,131$304,694
Soraia DearaujoV.p. of OperationsFT$155,695$55,325$211,020
Jodi McgregorSecretaryFT$161,032$48,936$209,968
William MalseedTreasurerFT$130,203$43,853$174,056
Chris HenningsenV.p. of Consumer AwarenessFT$147,595$26,044$173,639
Florrie YeeSenior Director of ItFT$129,740$7,318$137,058
Robert DarrochSoftware EngineerFT$111,523$6,130$117,653
James BondManager, Software EngineerFT$110,388$6,464$116,852
Richard AndersonTrustee-$8,540$17,080$25,620
Maxine SweetTrustee-$1,047-$1,047
Dara DuguayTrustee-$620-$620
Florence WatfordTrustee-$620-$620
Patricia WexlerTrustee-$620-$620
Peter KennedyTrustee-$620-$620
Robert RuizTrustee-$620-$620
Veronica WhitelawTrustee-$620-$620
Lonnie RitzerTrustee-$207$413$620
Dr Joseph ChavezTrustee-$383-$383

Board Members and Trustees

NameTitle
Kristen SolesTrustee

Highest Paid Contractors

ContractorServicesLocationCompensation
GooglePublic Service Announcement-$3,507,957
YahooPublic Service Announcement-$463,000
Diane Meiller & AssociatesIt Support-$248,618
Equifax Authentication ServicesCredit Bureau Services-$121,099
Brown & BrownInsurance-$118,845
Revenue and Support

Revenue Composition

Contributions and Grants
$7,156,163
Program Service Revenue
$9,732,611
Investment Income
$25,513
Other Revenue
$34,494
All Other Contributions
$7,156,163
Change in Net Assets
$138,011

Audited Revenue Reconciliation

Revenue per Audited Statements
$16,948,781
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$16,948,781
Total Revenue per Form 990
$16,948,781
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,395,683
Salaries, Compensation, and Employee Benefits$6,362,253
Grants and Similar Amounts Paid$52,834
Total Fundraising Expense$37,079
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$3,886,804$327,172$8,982$4,222,958
Current Officers, Directors, Trustees, and Key Employees$870,621$86,758$2,382$959,761
Other Employee Benefits$651,445$56,682$1,556$709,683
Occupancy$430,331$37,440$1,029$468,800
Payroll Taxes$378,919$32,967$905$412,791
Depreciation Depletion$301,471$26,231$720$328,422
Information Technology$205,083$17,844$489$223,416
Fees for Services Other$202,088$17,501$564$220,153
Other Expenses$149,030$12,967$356$162,353
All Other Expenses$123,043$14,578$400$138,021
Pension Plan Contributions$52,378$4,557$125$57,060
Grants to Domestic Orgs$52,834--$52,834
Travel$44,706$3,889$107$48,702
Fees for Services Accounting$34,155$3,053-$37,208
Office Expenses$6,034$525$15$6,574
Insurance$1,473$129$4$1,606
Total Functional Expenses$15,531,335$1,242,356$37,079$16,810,770

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$16,810,770
Total Expenses per Audited Statements$16,810,770
Total Expenses per Form 990$16,810,770
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
20-0152720-501(c)(3)To Conduct Financial Educational Outreach for the Purpose of Educating Consumers on Money$44,510
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

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Richard F AndersonBoard TrusteeConsulting Services on Legislative MattersNo$25,620
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deferred Compensation$975,728
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
Yes
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 B, Line 11

“The treasurer, audit committee, and the president & ceo of incharge debt solutions review and approve the form 990 prior to its filing.”

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

“Officers, directors, trustees and key employees are required to disclose any potential conflicts of interest on a conflict of interest form that is completed annually. Potential conflicts are to be reported to the organization as soon as known. Follow up is performed to ensure all conflict of interest forms are received.”

Form 990, Part VI, Section B, Line 15

“The organization has a separate board appointed compensation committee that determines the salary of the officers on an annual basis. Salary comparability data and performance is reviewed for officers annually. On a regular basis, an independent compensation consultant may be used to perform a compensation survey or study. Key employees may receive increases and are eligible for increases based on performance. Periodically, key employees' salaries are compared to market data. The last compensation review was conducted in january - february 2014.”

Form 990, Part VI, Section C, Line 18

“The organization makes its form 1023 and form 990 available to the public upon request. The organization's form 990 is also available on guidestar.org.”

Form 990, Part VI, Section C, Line 19

“The organization provides copies of its governing documents, conflict of interest policy, and financial statements as valid requests are received.”

Filing and Contact Details

Filer

EIN
33-0770440
Phone
4072917770

Signing Officer

Name
Etta W Money
Title
President & CEO
Phone
4072917770
Signed
2014-08-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Etta W Money
Formed
1997
Legal Domicile
Nv
Voting Board Members
9
Independent Board Members
8
Employees
156
Volunteers
0

Preparer

Preparer
David Jones
Phone
4108840220
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Loss on disposal of fixed assets -134.”

FORM 990, PART XII, LINE 2C:

“The organization's audit committee is responsible for selecting an independent accountant and overseeing the audit of its financial statements on an annual basis. The process has not changed during the tax year.”

Financial Statement Notes

PART IV, LINE 2B:

“Funds received from clients participating in the debt management program are held in various separate fbo bank accounts until they are distributed to creditors and contributions and fees are disbursed to ids. Certain states require that cash accounts be held in the same state that funds are received. All restricted cash accounts are not available for ids' operating expenses or creditors of ids.”

PART X, LINE 2:

“Ids believes that it has appropriate support for any tax positions taken, and as such, does not have any uncertain tax positions that are material to the financial statements.”

Raw XML AppendixShowing 400 of 795 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/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1229989
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1348208
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt158444
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt166130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt178131
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt186464
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IRS990/Form990PartVIISectionAGrp/PersonNm1VERONICA WHITELAW
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IRS990/Form990PartVIISectionAGrp/PersonNm3MAXINE SWEET
IRS990/Form990PartVIISectionAGrp/PersonNm4PATRICIA WEXLER
IRS990/Form990PartVIISectionAGrp/PersonNm5RICHARD ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm6PETER KENNEDY
IRS990/Form990PartVIISectionAGrp/PersonNm7DR JOSEPH CHAVEZ
IRS990/Form990PartVIISectionAGrp/PersonNm8FLORENCE WATFORD
IRS990/Form990PartVIISectionAGrp/PersonNm9ROBERT RUIZ
IRS990/Form990PartVIISectionAGrp/PersonNm10DARA DUGUAY
IRS990/Form990PartVIISectionAGrp/PersonNm11WILLIAM MALSEED
IRS990/Form990PartVIISectionAGrp/PersonNm12JODI MCGREGOR
IRS990/Form990PartVIISectionAGrp/PersonNm13ETTA W MONEY
IRS990/Form990PartVIISectionAGrp/PersonNm14SORAIA DEARAUJO
IRS990/Form990PartVIISectionAGrp/PersonNm15CHRIS HENNINGSEN
IRS990/Form990PartVIISectionAGrp/PersonNm16ROBERT DARROCH
IRS990/Form990PartVIISectionAGrp/PersonNm17FLORRIE YEE
IRS990/Form990PartVIISectionAGrp/PersonNm18JAMES BOND
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0207
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1620
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt31047
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4620
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt58540
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6620
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7383
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8620
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9620
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10620
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11152856
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12182978
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13257932
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14186283
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15165195
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16111523
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17129740
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18110388
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt0413
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt517080
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt1116984
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt1220330
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt137977
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt1714416
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/TitleTxt0TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt1TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt2TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt3TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt6TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt8TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt11TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt13PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt14V.P. OF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt15V.P. OF CONSUMER AWARENESS
IRS990/Form990PartVIISectionAGrp/TitleTxt16SOFTWARE ENGINEER
IRS990/Form990PartVIISectionAGrp/TitleTxt17SENIOR DIRECTOR OF IT
IRS990/Form990PartVIISectionAGrp/TitleTxt18MANAGER, SOFTWARE ENGINEER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01997
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolAndSepBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantAmt044510
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt052834
IRS990/GrantsToDomesticOrgsGrp/TotalAmt052834
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt016948781
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt08
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt0489
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt017844
IRS990/InformationTechnologyGrp/ProgramServicesAmt0205083
IRS990/InformationTechnologyGrp/TotalAmt0223416
IRS990/InsuranceGrp/FundraisingAmt04
IRS990/InsuranceGrp/ManagementAndGeneralAmt0129
IRS990/InsuranceGrp/ProgramServicesAmt01473
IRS990/InsuranceGrp/TotalAmt01606
IRS990/InventoriesForSaleOrUseGrp/BOYAmt01208
IRS990/InventoriesForSaleOrUseGrp/EOYAmt02518
IRS990/InvestmentIncomeGrp/ExclusionAmt025513
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt025513
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt03836896
IRS990/InvestmentsPubTradedSecGrp/EOYAmt02024091
IRS990/IRPDocumentCnt038
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07098568
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02667
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01646066
IRS990/LandBldgEquipCostOrOtherBssAmt08744634
IRS990/LegalDomicileStateCd0NV
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0INCHARGE 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/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt05473016
IRS990/NetAssetsOrFundBalancesEOYAmt05594438
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-16455
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt01029
IRS990/OccupancyGrp/ManagementAndGeneralAmt037440
IRS990/OccupancyGrp/ProgramServicesAmt0430331
IRS990/OccupancyGrp/TotalAmt0468800
IRS990/OfficeExpensesGrp/FundraisingAmt015
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0525
IRS990/OfficeExpensesGrp/ProgramServicesAmt06034
IRS990/OfficeExpensesGrp/TotalAmt06574
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01289712
IRS990/OtherAssetsTotalGrp/EOYAmt02009299
IRS990/OtherChangesInNetAssetsAmt0-134
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt01556
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt056682
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0651445
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0709683
IRS990/OtherExpensesGrp/Desc0PUBLIC AWARENESS
IRS990/OtherExpensesGrp/Desc1OVERHEAD SUPPORT
IRS990/OtherExpensesGrp/Desc2EDUCATIONAL SERVICES &
IRS990/OtherExpensesGrp/Desc3STATE LICENSING & PERMI
IRS990/OtherExpensesGrp/FundraisingAmt010048
IRS990/OtherExpensesGrp/FundraisingAmt16426
IRS990/OtherExpensesGrp/FundraisingAmt22971
IRS990/OtherExpensesGrp/FundraisingAmt3356
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0366011
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1234052
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt212967
IRS990/OtherExpensesGrp/ProgramServicesAmt04206683
IRS990/OtherExpensesGrp/ProgramServicesAmt12690032
IRS990/OtherExpensesGrp/ProgramServicesAmt21244205
IRS990/OtherExpensesGrp/ProgramServicesAmt3149030
IRS990/OtherExpensesGrp/TotalAmt04582742
IRS990/OtherExpensesGrp/TotalAmt12930510
IRS990/OtherExpensesGrp/TotalAmt21247176
IRS990/OtherExpensesGrp/TotalAmt3162353
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt060270
IRS990/OtherLiabilitiesGrp/EOYAmt0975728
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
IRS990/OtherRevenueMiscGrp/ExclusionAmt034494
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt034494
IRS990/OtherRevenueTotalAmt034494
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt08982
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0327172
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt03886804
IRS990/OtherSalariesAndWagesGrp/TotalAmt04222958
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt0905
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt032967
IRS990/PayrollTaxesGrp/ProgramServicesAmt0378919
IRS990/PayrollTaxesGrp/TotalAmt0412791
IRS990/PensionPlanContributionsGrp/FundraisingAmt0125
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt04557
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt052378
IRS990/PensionPlanContributionsGrp/TotalAmt057060
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0149076
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0154240
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0216259
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0360825
IRS990/PrincipalOfficerNm0ETTA W MONEY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0CLIENT PROCESSING FEES
IRS990/ProgramServiceRevenueGrp/Desc1BANKRUPTCY COUNSELING AND DEBTOR
IRS990/ProgramServiceRevenueGrp/Desc2HOUSING COUNSELING FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07685511
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11614402
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2432698
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07685511
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11614402

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$8,118,399
Liabilities
$2,523,961
Net assets
$5,594,438
Revenue
$16,948,781
Expenses
$16,810,770
Net income
$138,011
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