Liabilities / Assets
57th percentile
Higher debt load relative to assets than 57% of similar nonprofits.
990 • Fiscal year 2014 • EIN 33-0770440
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
57th percentile
Higher debt load relative to assets than 57% of similar nonprofits.
Liabilities / Revenue
30th percentile
Higher debt load relative to revenue than 30% of similar nonprofits.
Net Margin
13th percentile
Higher net margin than 13% of similar nonprofits.
Top Officer Pay
94th percentile
Higher top officer pay than 94% of similar nonprofits.
Top officer pay equals 6.6% of source-year revenue.
Asset Growth
2nd percentile
Faster asset growth than 2% of similar nonprofits.
Revenue Growth
15th percentile
Faster revenue growth than 15% of similar nonprofits.
Assets
Down$6,378,131
Down $1,740,268 (-21%) from 2013
Net Assets
Down$4,114,017
Down $1,480,421 (-26%) from 2013
Liabilities
Down$2,264,114
Down $259,847 (-10%) from 2013
Revenue
Down$14,933,759
Down $2,015,022 (-12%) from 2013
Expenses
Down$16,393,416
Down $417,354 (-2.5%) from 2013
Net Income
Down-$1,459,657
Down $1,597,668 (-1158%) from 2013
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, pre-purchase housing counseling, and other financial literacy activities for the benefit of the general public.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments in Publicly Traded Securities | $1,319,801 | $1,825,363 | ▲ $505,562 |
| Land, Buildings, and Equipment, Net | $1,646,066 | $1,513,331 | ▼ $132,735 |
| Savings and Temporary Cash Investments | $1,444,710 | $877,563 | ▼ $567,147 |
| Investments Other Securities | $704,290 | $594,044 | ▼ $110,246 |
| Prepaid Expenses and Deferred Charges | $360,825 | $310,456 | ▼ $50,369 |
| Pledges and Grants Receivable | $154,240 | $141,543 | ▼ $12,697 |
| Accounts Receivable | $476,650 | $70,307 | ▼ $406,343 |
| Inventories for Sale or Use | $2,518 | $3,191 | ▲ $673 |
| Total Assets | $8,118,399 | $6,378,131 | ▼ $1,740,268 |
| Other Assets Total | $2,009,299 | $1,042,333 | ▼ $966,966 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $414,662 | $1,071,781 | ▲ $657,119 |
| Escrow Account Liability | $1,033,571 | $857,905 | ▼ $175,666 |
| Other Liabilities | $975,728 | $184,428 | ▼ $791,300 |
| Deferred Revenue | $100,000 | $150,000 | ▲ $50,000 |
| Total Liabilities | $2,523,961 | $2,264,114 | ▼ $259,847 |
| Net Assets / Fund Balance | |||
| Unrestricted Net Assets | $5,388,129 | $3,970,042 | ▼ $1,418,087 |
| Temporarily Rstr Net Assets | $206,309 | $143,975 | ▼ $62,334 |
| Total Net Assets Fund Balance | $5,594,438 | $4,114,017 | ▼ $1,480,421 |
| Total Liabilities and Net Assets / Fund Balance | $8,118,399 | $6,378,131 | ▼ $1,740,268 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $1,513,331 | $7,281,531 | $8,794,862 |
| Other Assets Org | $184,428 | - | - |
| Other Securities | $544,057 | - | - |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Etta W Money | President & CEO | FT | $245,144 | $698,202 | $943,346 |
| Jodi Mcgregor | Secretary | FT | $155,362 | $330,656 | $486,018 |
| Soraia Dearaujo | V.p. of Operations | FT | $165,099 | $31,118 | $196,217 |
| William Malseed | Treasurer | FT | $146,575 | $29,238 | $175,813 |
| Chris Henningsen | V.p. of Consumer Awareness | FT | $152,844 | $14,763 | $167,607 |
| Robert Darroch | Software Engineer | FT | $109,607 | $5,655 | $115,262 |
| Richard Anderson | Trustee | - | $8,533 | $17,067 | $25,600 |
| Maxine Sweet | Trustee | - | $695 | - | $695 |
| Kristen Soles | Trustee | - | $600 | - | $600 |
| Patricia Wexler | Trustee | - | $600 | - | $600 |
| Peter Kennedy | Trustee | - | $600 | - | $600 |
| Robert Ruiz | Trustee | - | $600 | - | $600 |
| Veronica Whitelaw | Trustee | - | $600 | - | $600 |
| Lonnie Ritzer | Trustee | - | $150 | $300 | $450 |
| Name | Title |
|---|---|
| Carey Tarbell | Trustee |
| Dr Joseph Chavez | Trustee |
| Michael Koch | Trustee |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Public Service Announcement | 13169 COLLECTION CENTER DRIVE, Chicago, IL 60693 | $3,057,524 | |
| Yahoo | Public Service Announcement | PO BOX 13683, Newark, NJ 07188 | $601,000 |
| Public Service Announcement | 1 HACKER WAY, Menlo Park, CA 94205 | $412,388 | |
| Envoy Media Group | Public Service Announcement | 19350 BUSINESS CENTER DRIVE SUITE, Northridge, CA 91324 | $315,178 |
| Equifax Authentication Services | Credit Bureau Service | PO BOX 4472, Atlanta, GA 30302 | $141,603 |
| Line Item | Amount |
|---|---|
| Other Expenses | $11,490,799 |
| Salaries, Compensation, and Employee Benefits | $4,902,617 |
| Total Fundraising Expense | $22,977 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $2,697,011 | $263,600 | $5,513 | $2,966,124 |
| Current Officers, Directors, Trustees, and Key Employees | $897,081 | $105,791 | - | $1,002,872 |
| Depreciation Depletion | $503,755 | $51,774 | $773 | $556,302 |
| Other Employee Benefits | $433,122 | $38,218 | $852 | $472,192 |
| Occupancy | $300,896 | $30,924 | $462 | $332,282 |
| Payroll Taxes | $290,121 | $29,817 | $445 | $320,383 |
| Pension Plan Contributions | $122,191 | $18,855 | - | $141,046 |
| Fees for Services Other | $116,762 | $11,584 | $256 | $128,602 |
| All Other Expenses | $113,616 | $11,675 | $175 | $125,466 |
| Information Technology | $90,715 | $9,323 | $139 | $100,177 |
| Other Expenses | $62,498 | $6,423 | $96 | $69,017 |
| Fees for Services Accounting | $43,560 | $4,840 | - | $48,400 |
| Travel | $41,789 | $4,295 | $64 | $46,148 |
| Fees for Services Legal | $6,421 | $713 | - | $7,134 |
| Insurance | $1,528 | $157 | $2 | $1,687 |
| Office Expenses | $1,166 | $120 | $2 | $1,288 |
| Total Functional Expenses | $14,978,147 | $1,392,292 | $22,977 | $16,393,416 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $16,393,416 |
| Total Expenses per Audited Statements | $16,393,416 |
| Total Expenses per Form 990 | $16,393,416 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Interested Party | Relationship | Description | Shared Revenue | Amount |
|---|---|---|---|---|
| Richard F Anderson | Board Trustee | Consulting Services on Legislative Matters | No | $25,000 |
| Liability | Amount |
|---|---|
| Deferred Compensation | $184,428 |
“The treasurer, audit committee, the president & ceo of incharge debt solutions, and the full board review and approve the form 990 prior to its filing.”
“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.”
“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 2015.”
“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.”
“The organization provides copies of its governing documents, conflict of interest policy, and financial statements as valid requests are received.”
“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 been changed during the tax year.”
“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.”
“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. Tax years prior to 2011 are no longer subject to examination by the internal revenue service.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 414662 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 1071781 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 476650 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 70307 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | 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, PRE-PURCHASE HOUSING COUNSELING, AND OTHER FINANCIAL LITERACY ACTIVITIES FOR THE BENEFIT OF THE GENERAL PUBLIC. |
| IRS990/AllOtherContributionsAmt | 0 | 5868896 |
| IRS990/AllOtherExpensesGrp/FundraisingAmt | 0 | 175 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 11675 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 113616 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 125466 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | INCHARGE DEBT SOLUTIONS |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4072917770 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 5750 MAJOR BLVD SUITE 300 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | ORLANDO |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | FL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 32819 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 1 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 6 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 105791 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 897081 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 1002872 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 3057524 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 601000 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 412388 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 3 | 315178 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 4 | 141603 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 13169 COLLECTION CENTER DRIVE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | PO BOX 13683 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | 1 HACKER WAY |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 3 | 19350 BUSINESS CENTER DRIVE SUITE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 4 | PO BOX 4472 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | CHICAGO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | NEWARK |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | MENLO PARK |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 3 | NORTHRIDGE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 4 | ATLANTA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | NJ |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 3 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 4 | GA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 60693 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 07188 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 2 | 94205 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 3 | 91324 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 4 | 30302 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | YAHOO |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 2 | |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 3 | ENVOY MEDIA GROUP |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 4 | EQUIFAX AUTHENTICATION SERVICES |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | PUBLIC SERVICE ANNOUNCEMENT |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | PUBLIC SERVICE ANNOUNCEMENT |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | PUBLIC SERVICE ANNOUNCEMENT |
| IRS990/ContractorCompensationGrp/ServicesDesc | 3 | PUBLIC SERVICE ANNOUNCEMENT |
| IRS990/ContractorCompensationGrp/ServicesDesc | 4 | CREDIT BUREAU SERVICE |
| IRS990/CreditCounselingInd | 0 | 1 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 6368896 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 30988 |
| IRS990/CYOtherExpensesAmt | 0 | 11490799 |
| IRS990/CYOtherRevenueAmt | 0 | 38483 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 8495392 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -1459657 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 4902617 |
| IRS990/CYTotalExpensesAmt | 0 | 16393416 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 22977 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 14933759 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 100000 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 150000 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/FundraisingAmt | 0 | 773 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 51774 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 503755 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 556302 |
| IRS990/Desc | 0 | CREDIT COUNSELING AND EDUCATION - THIS PROGRAM ASSISTS CONSUMERS IN MANAGING THEIR PERSONAL FINANCES THROUGH THE PROVISION OF SOLUTIONS-BASED CREDIT COUNSELING, BUDGET PLANNING AND FINANCIAL EDUCATIONAL MATERIALS. SOLUTIONS-BASED COUNSELING IS DESIGNED TO FIND THE RIGHT SOLUTION FOR EACH DEBT DISTRESSED CONSUMER. NEARLY 50,000 FINANCIALLY DISTRESSED INDIVIDUALS RECEIVED CREDIT COUNSELING AND FINANCIAL EDUCATIONAL MATERIALS DURING 2014. FINANCIAL EDUCATIONAL MATERIALS ASSIST CONSUMERS IN ACQUIRING AND IMPROVING MONEY MANAGEMENT SKILLS AND MANAGING CREDIT. CREDIT COUNSELING SERVICES ARE OFFERED IN PERSON FOR INDIVIDUALS RESIDING IN THE CENTRAL FLORIDA AREA, AND NATIONALLY OVER THE TELEPHONE AND THROUGH THE INTERNET. |
| IRS990/DescribedInSection501c3Ind | 0 | 1 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 0 |
| IRS990/EmployeeCnt | 0 | 111 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 1033571 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 857905 |
| IRS990/ExpenseAmt | 0 | 9161928 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 4840 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 43560 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 48400 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 713 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 6421 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 7134 |
| IRS990/FeesForServicesOtherGrp/FundraisingAmt | 0 | 256 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 11584 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 116762 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 128602 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 47.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 43.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 43.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 15 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 16 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 31891 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 25677 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 28352 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 25118 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 8988 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 5655 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | RICHARD ANDERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | DR JOSEPH CHAVEZ |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | PETER KENNEDY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | MICHAEL KOCH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | LONNIE RITZER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | ROBERT RUIZ |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | KRISTEN SOLES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | MAXINE SWEET |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | VERONICA WHITELAW |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | CAREY TARBELL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | PATRICIA WEXLER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | ETTA W MONEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | WILLIAM MALSEED |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | JODI MCGREGOR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | SORAIA DEARAUJO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | CHRIS HENNINGSEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 16 | ROBERT DARROCH |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 8533 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 600 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 150 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 600 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 600 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 695 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 600 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 600 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 913050 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 151420 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 459084 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 171099 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 158619 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 109607 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 17067 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 300 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 48055 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 7969 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 24162 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | PRESIDENT & CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | V.P. OF OPERATIONS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | V.P. OF CONSUMER AWARENESS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | SOFTWARE ENGINEER |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1997 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | -3885 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 11 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 11856541 |
| IRS990/GrossReceiptsAmt | 0 | 26794185 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 10 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 6 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/FundraisingAmt | 0 | 139 |
| IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt | 0 | 9323 |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 90715 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 100177 |
| IRS990/InsuranceGrp/FundraisingAmt | 0 | 2 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 157 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 1528 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 1687 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 2518 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 3191 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 34873 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 34873 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 704290 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 594044 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 1319801 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 1825363 |
| IRS990/IRPDocumentCnt | 0 | 24 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 7281531 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1646066 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1513331 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 8794862 |
| IRS990/LegalDomicileStateCd | 0 | NV |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 11860426 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LobbyingActivitiesInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 0 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | INCHARGE DEBT SOLUTIONS HELPS PEOPLE ACHIEVE AND MAINTAIN A BETTER FINANCIAL FUTURE THROUGH HIGH QUALITY, RESPONSIVE COUNSELING AND PERSONALIZED EDUCATION. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 5594438 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 4114017 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | -3885 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -3885 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -20764 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/FundraisingAmt | 0 | 462 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 30924 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 300896 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 332282 |
| IRS990/OfficeExpensesGrp/FundraisingAmt | 0 | 2 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 120 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 1166 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 1288 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 2009299 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1042333 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 852 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 38218 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 433122 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 472192 |
| IRS990/OtherExpensesGrp/Desc | 0 | PUBLIC AWARENESS |
| IRS990/OtherExpensesGrp/Desc | 1 | OVERHEAD SUPPORT |
| IRS990/OtherExpensesGrp/Desc | 2 | EDUC. SERV. & MATERIALS |
| IRS990/OtherExpensesGrp/Desc | 3 | DUES AND SUBSCRIPTIONS |
| IRS990/OtherExpensesGrp/FundraisingAmt | 0 | 6481 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 1 | 5512 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 2 | 2205 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 3 | 96 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 434228 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 369307 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 648 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 6423 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 4224958 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 3593274 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 1437683 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 62498 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 4665667 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 3968093 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 1440536 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 69017 |
| IRS990/OtherInd | 0 | X |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 975728 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 184428 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER INCOME |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 38483 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 38483 |
| IRS990/OtherRevenueTotalAmt | 0 | 38483 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 5513 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 263600 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 2697011 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 2966124 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 445 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 29817 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 290121 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 320383 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 18855 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 122191 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 141046 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 154240 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 141543 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 360825 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 310456 |
| IRS990/PrincipalOfficerNm | 0 | ETTA W MONEY |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 900099 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | CLIENT PROCESSING FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | BANKRUPTCY COUNSEL. & DEBTOR ED. |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | HOUSING COUNSELING FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 6960167 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 946297 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 588928 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 6960167 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 946297 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 588928 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | 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 THEIR NEEDS. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 3448641 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 6960167 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | 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 2014, OVER 52,000 CERTIFICATES WERE ISSUED TO BANKRUPTCY PETITIONERS EVIDENCING THEIR SUCCESSFUL COMPLETION OF THE BANKRUPTCY CREDIT COUNSELING SESSION AND THE PERSONAL FINANCIAL MANAGEMENT COURSE. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 1518436 |
| IRS990/ProgSrvcAccomActy3Grp/RevenueAmt | 0 | 946297 |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | HOUSING COUNSELING AND EDUCATION - IDS IS A LOCAL U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT ("HUD") APPROVED AGENCY IN THE STATE OF FLORIDA AND A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING ("NFCC") WHICH ENABLES IDS TO SERVE CONSUMERS ON A NATIONWIDE BASIS. HOUSING COUNSELING SERVICES INCLUDE FORECLOSURE PREVENTION AND MORTGAGE DELINQUENCY COUNSELING, HOMEBUYER EDUCATION AND PRE-PURCHASE HOMEBUYER COUNSELING. FORECLOSURE PREVENTION AND MORTGAGE DELINQUENCY COUNSELING IS DESIGNED TO PROVIDE EXISTING BORROWERS WITH INFORMATION AND ASSISTANCE NEEDED TO AVOID FORECLOSURE. PROGRAM HIGHLIGHTS INCLUDE BUDGET PLANNING, EVALUATION OF ELIGIBILITY FOR LOAN MODIFICATION, ASSESSMENT OF ABILITY TO SUSTAIN A HOME AND ALTERNATIVE HOUSING OPTIONS. HOMEBUYER EDUCATION IS DESIGNED TO BETTER PREPARE POTENTIAL HOMEOWNERS FOR HOMEOWNERSHIP. PARTICIPANTS EXAMINE THEIR HOUSING NEEDS, ANALYZE THEIR FINANCIAL SITUATION AND LEARN STRATEGIES TO IMPROVE FINANCIAL MANAGEMENT IN AN EFFORT TO BETTER PREPARE FOR HOMEOWNERSHIP. PARTICIPANTS ALSO LEARN HOW TO SHOP FOR A HOME, OBTAIN A MORTGAGE AND PREPARE FOR LIFE AS A HOMEOWNER. PRE-PURCHASE HOMEBUYER COUNSELING, A PERSONAL ONE-ON-ONE SESSION, IS OFFERED TO PROVIDE EDUCATION AND TIPS TO ASSIST POTENTIAL HOMEBUYERS IN IMPROVING FINANCIAL MANAGEMENT SKILLS AND UNDERSTANDING ALTERNATIVE SOURCES OF FUNDING AND MORTGAGE OPTIONS. DURING 2014, OVER 9,000 HOUSING COUNSELING SESSIONS WERE CONDUCTED. |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 1 | FINANCIAL LITERACY OUTREACH - IDS, IN CONJUNCTION WITH ITS SUPPORTING ORGANIZATION, INCHARGE EDUCATION FOUNDATION, CONDUCTS NUMEROUS FINANCIAL LITERACY WORKSHOPS, AND HOME BUYER EDUCATION CLASSES FOR THE GENERAL PUBLIC. THE GOAL OF EACH OUTREACH EVENT IS TO IMPROVE THE FINANCIAL CAPABILITIES OF ATTENDEES BY PROVIDING RELEVANT INFORMATION AND TOOLS CONCERNING PERSONAL FINANCE, MONEY MANAGEMENT, THE RESPONSIBLE USE OF CREDIT, AND THE HOME BUYING PROCESS. DURING 2014, OVER 3,900 INDIVDIUALS ATTENDED THE WORKSHOPS INCHARGE PROVIDED. |
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Displayed year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.
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