Civic Intelligence

Incharge Financial Solutions

990 • Fiscal year 2015 • EIN 33-0770440

Jan 01, 2015 to Dec 31, 2015 • Filed on Aug 12, 2016

Organization ProfileWWW.INCHARGE.ORG
5750 Major Blvd No 300Orlando, FL 32819

(407) 291-7770

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.37x

Higher debt load relative to assets than 62% of similar nonprofits.

2015 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

33rd percentile

0.12x

Higher debt load relative to revenue than 33% of similar nonprofits.

2015 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2015

Net Margin

19th percentile

-6.3%

Higher net margin than 19% of similar nonprofits.

2015 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

80th percentile

$311,221

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

2015 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2015

Asset Growth

4th percentile

-21%

Faster asset growth than 4% of similar nonprofits.

2015 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

40th percentile

0.6%

Faster revenue growth than 40% of similar nonprofits.

2015 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Down

$5,035,758

Down $1,342,373 (-21%) from 2014

Net Assets

Down

$3,165,338

Down $948,679 (-23%) from 2014

Liabilities

Down

$1,870,420

Down $393,694 (-17%) from 2014

Revenue And Expenses
Liabilities / Revenue33rd percentileNet Margin19th percentile

Revenue

Up

$15,026,293

Up $92,534 (+0.6%) from 2014

Expenses

Down

$15,977,232

Down $416,184 (-2.5%) from 2014

Net Income

Up

-$950,939

Up $508,718 (+35%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth4th 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

2015

Assets$5,035,758
Liabilities$1,870,420
Net Assets$3,165,338
Open 2015 Filing

Operations Trend

Revenue Growth40th percentile

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

2015

Revenue$15,026,293
Expenses$15,977,232
Net Income-$950,939
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 12, 2016
Return Version
2015v2.1
Gross Receipts
$17,339,745
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, pre-purchase housing counseling, and other financial literacy activities for the benefit of the general public.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$1,825,363$1,792,751▼ $32,612
Land, Buildings, and Equipment, Net$1,513,331$1,152,839▼ $360,492
Savings and Temporary Cash Investments$877,563$706,657▼ $170,906
Investments Other Securities$594,044$497,818▼ $96,226
Prepaid Expenses and Deferred Charges$310,456$232,070▼ $78,386
Accounts Receivable$70,307$145,410▲ $75,103
Pledges and Grants Receivable$141,543$96,780▼ $44,763
Inventories for Sale or Use$3,191$2,189▼ $1,002
Total Assets$6,378,131$5,035,758▼ $1,342,373
Other Assets Total$1,042,333$409,244▼ $633,089
Liabilities
Accounts Payable and Accrued Expenses$1,071,781$1,286,176▲ $214,395
Escrow Account Liability$857,905$259,816▼ $598,089
Deferred Revenue$150,000$175,000▲ $25,000
Other Liabilities$184,428$149,428▼ $35,000
Total Liabilities$2,264,114$1,870,420▼ $393,694
Net Assets / Fund Balance
Unrestricted Net Assets$3,970,042$3,155,338▼ $814,704
Temporarily Rstr Net Assets$143,975$10,000▼ $133,975
Total Net Assets Fund Balance$4,114,017$3,165,338▼ $948,679
Total Liabilities and Net Assets / Fund Balance$6,378,131$5,035,758▼ $1,342,373

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,152,839$7,834,844$8,987,683
Other Assets Org$149,428--
Other Securities$497,818--
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Etta W MoneyPresident & CEOFT$248,675$46,985$295,660
Soraia DearaujoV.p. of OperationsFT$167,169$116,081$283,250
William MalseedSecretary/treasurerFT$148,340$35,002$183,342
Chris HenningsenV.p. of Consumer AwarenessFT$153,256$21,007$174,263
Michael WalkerSr. Director of Information TechnologyFT$131,864$7,350$139,214
Robert DarrochSoftware EngineerFT$109,607$5,760$115,367
Richard AndersonTrustee-$8,575$17,150$25,725
Patricia WexlerTrustee-$827-$827
Robert RuizTrustee-$725-$725
Carey TarbellTrustee-$675-$675
Kristen SolesTrustee-$675-$675
Michael KochTrustee-$675-$675
Peter KennedyTrustee-$675-$675
Veronica WhitelawTrustee-$675-$675
Lonnie RitzerTrustee-$125$250$375

Board Members and Trustees

NameTitle
Dr Joseph ChavezTrustee
Maxine SweetTrustee

Highest Paid Contractors

ContractorServicesLocationCompensation
GooglePublic Service Announcement13169 COLLECTION CENTER DRIVE, Chicago, IL 60693$2,600,441
YahooPublic Service AnnouncementPO BOX 13683, Newark, NJ 07188$427,247
Microsoft BingPublic Service AnnouncementPO BOX 13684, Newark, NJ 07189$367,000
Envoy Media GroupPublic Service Announcement19350 BUSINESS CENTER DRIVE SUITE, Northridge, CA 91324$352,280
Equifax Authentication ServicesCredit Bureau ServicePO BOX 4472, Atlanta, GA 30302$188,103
Revenue and Support

Revenue Composition

Contributions and Grants
$5,811,438
Program Service Revenue
$9,195,511
Investment Income
$19,344
Other Revenue
$0
All Other Contributions
$5,811,438
Change in Net Assets
$-950,939

Audited Revenue Reconciliation

Revenue per Audited Statements
$15,026,293
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$2,260
Total Revenue per Audited Statements
$15,028,553
Total Revenue per Form 990
$15,026,293
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$11,313,503
Salaries, Compensation, and Employee Benefits$4,659,060
Total Fundraising Expense$24,438
Grants and Similar Amounts Paid$4,669
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,502,835$301,337$3,824$2,807,996
Current Officers, Directors, Trustees, and Key Employees$753,571$90,496$1,692$845,759
Depreciation Depletion$502,835$60,504$852$564,191
Other Employee Benefits$470,554$56,052$1,091$527,697
Occupancy$299,349$36,020$507$335,876
Payroll Taxes$251,718$30,289$426$282,433
Fees for Services Other$229,226$27,240$676$257,142
Pension Plan Contributions$173,706$21,469-$195,175
Fees for Services Legal$124,601$15,243-$139,844
Information Technology$104,240$12,542$177$116,959
All Other Expenses$96,070$11,562$162$107,794
Other Expenses$69,099$8,314$117$77,530
Fees for Services Accounting$45,249$5,536-$50,785
Travel$29,054$3,495$49$32,598
Grants to Domestic Orgs$4,669--$4,669
Insurance$1,739$208$3$1,950
Office Expenses$468$55$1$524
Total Functional Expenses$14,430,137$1,522,657$24,438$15,977,232

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$15,977,232
Total Expenses per Audited Statements$15,977,232
Total Expenses per Form 990$15,977,232
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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$25,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deferred Compensation$149,428
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, the president & ceo of incharge debt solutions, and the full board 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 february 2016.”

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

Filer Name
Incharge Debt Solutions
EIN
33-0770440
Phone
4072917770
Address
5750 MAJOR BLVD NO 300, ORLANDO, FL 32819

Signing Officer

Name
Etta W Money
Title
President & CEO
Phone
4072917770
Signed
2016-08-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Etta W Money
Formed
1997
Legal Domicile
Nv
Voting Board Members
11
Independent Board Members
10
Employees
100
Volunteers
10

Preparer

Firm
Jones Maresca & Mcquade Pa
Address
10500 LITTLE PATUXENT PKWY SUITE, 770, COLUMBIA, MD 21044
Preparer
David Jones
Phone
4108840220
Supplemental Narrative

Additional Explanations

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 been 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. Tax years prior to 2012 are no longer subject to examination by the internal revenue service.”

Raw XML AppendixShowing 400 of 744 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/PersonNm0RICHARD ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm1DR JOSEPH CHAVEZ
IRS990/Form990PartVIISectionAGrp/PersonNm2PETER KENNEDY
IRS990/Form990PartVIISectionAGrp/PersonNm3LONNIE RITZER
IRS990/Form990PartVIISectionAGrp/PersonNm4ROBERT RUIZ
IRS990/Form990PartVIISectionAGrp/PersonNm5KRISTEN SOLES
IRS990/Form990PartVIISectionAGrp/PersonNm6MAXINE SWEET
IRS990/Form990PartVIISectionAGrp/PersonNm7VERONICA WHITELAW
IRS990/Form990PartVIISectionAGrp/PersonNm8CAREY TARBELL
IRS990/Form990PartVIISectionAGrp/PersonNm9PATRICIA WEXLER
IRS990/Form990PartVIISectionAGrp/PersonNm10MICHAEL KOCH
IRS990/Form990PartVIISectionAGrp/PersonNm11ETTA W MONEY
IRS990/Form990PartVIISectionAGrp/PersonNm12WILLIAM MALSEED
IRS990/Form990PartVIISectionAGrp/PersonNm13SORAIA DEARAUJO
IRS990/Form990PartVIISectionAGrp/PersonNm14CHRIS HENNINGSEN
IRS990/Form990PartVIISectionAGrp/PersonNm15ROBERT DARROCH
IRS990/Form990PartVIISectionAGrp/PersonNm16MICHAEL WALKER
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8675
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9827
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10675
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11264998
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12159117
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13256445
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15109607
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
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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/TitleTxt11PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt13V.P. OF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt14V.P. OF CONSUMER AWARENESS
IRS990/Form990PartVIISectionAGrp/TitleTxt15SOFTWARE ENGINEER
IRS990/Form990PartVIISectionAGrp/TitleTxt16SR. DIRECTOR OF INFORMATION TECHNOLOGY
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01997
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IRS990/FSAuditedInd01
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IRS990/GainOrLossGrp/SecuritiesAmt0-22638
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantAmt04669
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt04669
IRS990/GrantsToDomesticOrgsGrp/TotalAmt04669
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt0177
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt012542
IRS990/InformationTechnologyGrp/ProgramServicesAmt0104240
IRS990/InformationTechnologyGrp/TotalAmt0116959
IRS990/InsuranceGrp/FundraisingAmt03
IRS990/InsuranceGrp/ManagementAndGeneralAmt0208
IRS990/InsuranceGrp/ProgramServicesAmt01739
IRS990/InsuranceGrp/TotalAmt01950
IRS990/InventoriesForSaleOrUseGrp/BOYAmt03191
IRS990/InventoriesForSaleOrUseGrp/EOYAmt02189
IRS990/InvestmentIncomeGrp/ExclusionAmt041982
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt041982
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0594044
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0497818
IRS990/InvestmentsPubTradedSecGrp/BOYAmt01825363
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01792751
IRS990/IRPDocumentCnt024
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07834844
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01513331
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01152839
IRS990/LandBldgEquipCostOrOtherBssAmt08987683
IRS990/LegalDomicileStateCd0NV
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt02313452
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0INCHARGE DEBT SOLUTIONS HELPS PEOPLE ACHIEVE AND MAINTAIN A BETTER FINANCIAL FUTURE THROUGH HIGH QUALITY, RESPONSIVE COUNSELING AND PERSONALIZED EDUCATION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt04114017
IRS990/NetAssetsOrFundBalancesEOYAmt03165338
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-22638
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-22638
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt02260
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt0507
IRS990/OccupancyGrp/ManagementAndGeneralAmt036020
IRS990/OccupancyGrp/ProgramServicesAmt0299349
IRS990/OccupancyGrp/TotalAmt0335876
IRS990/OfficeExpensesGrp/FundraisingAmt01
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt055
IRS990/OfficeExpensesGrp/ProgramServicesAmt0468
IRS990/OfficeExpensesGrp/TotalAmt0524
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01042333
IRS990/OtherAssetsTotalGrp/EOYAmt0409244
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt01091
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt056052
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0470554
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0527697
IRS990/OtherExpensesGrp/Desc0PUBLIC AWARENESS
IRS990/OtherExpensesGrp/Desc1OVERHEAD SUPPORT
IRS990/OtherExpensesGrp/Desc2EDUC. SERV. & MATERIALS
IRS990/OtherExpensesGrp/Desc3DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/FundraisingAmt06175
IRS990/OtherExpensesGrp/FundraisingAmt15683
IRS990/OtherExpensesGrp/FundraisingAmt23003
IRS990/OtherExpensesGrp/FundraisingAmt3117
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0438627
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1403668
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt28314
IRS990/OtherExpensesGrp/ProgramServicesAmt03645307
IRS990/OtherExpensesGrp/ProgramServicesAmt13354765
IRS990/OtherExpensesGrp/ProgramServicesAmt21771082
IRS990/OtherExpensesGrp/ProgramServicesAmt369099
IRS990/OtherExpensesGrp/TotalAmt04090109
IRS990/OtherExpensesGrp/TotalAmt13764116
IRS990/OtherExpensesGrp/TotalAmt21774085
IRS990/OtherExpensesGrp/TotalAmt377530
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt0184428
IRS990/OtherLiabilitiesGrp/EOYAmt0149428
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt03824
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0301337
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt02502835
IRS990/OtherSalariesAndWagesGrp/TotalAmt02807996
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt0426
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt030289
IRS990/PayrollTaxesGrp/ProgramServicesAmt0251718
IRS990/PayrollTaxesGrp/TotalAmt0282433
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt021469
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0173706
IRS990/PensionPlanContributionsGrp/TotalAmt0195175
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0141543
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt096780
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0310456
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0232070
IRS990/PrincipalOfficerNm0ETTA W MONEY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/Desc0CLIENT PROCESSING FEES
IRS990/ProgramServiceRevenueGrp/Desc1BANKRUPTCY COUNSEL. & DEBTOR ED.
IRS990/ProgramServiceRevenueGrp/Desc2HOUSING COUNSELING FEES
IRS990/ProgramServiceRevenueGrp/Desc3STUDENT LOAN COUNSELING
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08036528
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1665845
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2481168
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt311970
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08036528
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1665845
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2481168
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt311970
IRS990/ProgSrvcAccomActy2Grp/Desc0DEBT 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/ExpenseAmt03741757
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt08036528
IRS990/ProgSrvcAccomActy3Grp/Desc0BANKRUPTCY 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 2015, APPROXIMATELY 36,000 CERTIFICATES WERE ISSUED TO BANKRUPTCY PETITIONERS EVIDENCING THEIR SUCCESSFUL COMPLETION OF THE BANKRUPTCY CREDIT COUNSELING SESSION AND THE PERSONAL FINANCIAL MANAGEMENT COURSE.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt01192865
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0665845
IRS990/ProgSrvcAccomActyOtherGrp/Desc0HOUSING 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 HOME OWNERSHIP 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 2015, APPROXIMATELY 8,500 HOUSING COUNSELING SESSIONS WERE CONDUCTED.

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,035,758
Liabilities
$1,870,420
Net assets
$3,165,338
Revenue
$15,026,293
Expenses
$15,977,232
Net income
-$950,939
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