Civic Intelligence

Incharge Financial Solutions

990 • Fiscal year 2016 • EIN 33-0770440

Jan 01, 2016 to Dec 31, 2016 • Filed on Aug 09, 2017

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

69th percentile

0.46x

Higher debt load relative to assets than 69% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

38th percentile

0.15x

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

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Net Margin

26th percentile

-3.5%

Higher net margin than 26% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

85th percentile

$362,060

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Asset Growth

27th percentile

-2.6%

Faster asset growth than 27% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

38th percentile

-0.4%

Faster revenue growth than 38% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Assets

Down

$4,903,973

Down $131,785 (-2.6%) from 2015

Net Assets

Down

$2,635,813

Down $529,525 (-17%) from 2015

Liabilities

Up

$2,268,160

Up $397,740 (+21%) from 2015

Revenue

Down

$14,962,356

Down $63,937 (-0.4%) from 2015

Expenses

Down

$15,490,135

Down $487,097 (-3.0%) from 2015

Net Income

Up

-$527,779

Up $423,160 (+44%) from 2015

Historical Trend

Balance Sheet Trend

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 2016: $4,903,973Liabilities 2016: $2,268,160Net Assets 2016: $2,635,8132016Assets 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

2016

Assets$4,903,973
Liabilities$2,268,160
Net Assets$2,635,813

Operations Trend

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 2016: $14,962,356Expenses 2016: $15,490,135Net Income 2016: -$527,7792016Revenue 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

2016

Revenue$14,962,356
Expenses$15,490,135
Net Income-$527,779
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Aug 9, 2017
Return Version
2016v3.0
Gross Receipts
$16,896,266
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, housing, and student loan 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$1,792,751$1,783,639▼ $9,112
Land, Buildings, and Equipment, Net$1,152,839$885,824▼ $267,015
Savings and Temporary Cash Investments$706,657$639,519▼ $67,138
Investments Other Securities$497,818$165,548▼ $332,270
Prepaid Expenses and Deferred Charges$232,070$155,328▼ $76,742
Pledges and Grants Receivable$96,780$108,138▲ $11,358
Accounts Receivable$145,410$95,321▼ $50,089
Inventories for Sale or Use$2,189$1,635▼ $554
Total Assets$5,035,758$4,903,973▼ $131,785
Other Assets Total$409,244$1,069,021▲ $659,777
Liabilities
Accounts Payable and Accrued Expenses$1,286,176$974,139▼ $312,037
Escrow Account Liability$259,816$817,053▲ $557,237
Other Liabilities$149,428$251,968▲ $102,540
Deferred Revenue$175,000$225,000▲ $50,000
Total Liabilities$1,870,420$2,268,160▲ $397,740
Net Assets / Fund Balance
Unrestricted Net Assets$3,155,338$2,635,813▼ $519,525
Temporarily Rstr Net Assets$10,000$0▼ $10,000
Total Net Assets Fund Balance$3,165,338$2,635,813▼ $529,525
Total Liabilities and Net Assets / Fund Balance$5,035,758$4,903,973▼ $131,785

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$885,824$7,825,397$8,711,221
Other Assets Org$251,968--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Etta W MoneyPresident & CEOFT$281,888$62,069$343,957
Soraia DearaujoV.p. of OperationsFT$170,779$39,260$210,039
William MalseedSecretary/treasurerFT$161,132$35,291$196,423
Chris HenningsenV.p. of Consumer AwarenessFT$168,985$22,868$191,853
Michael WalkerSr. Director of InformatioFT$138,982$7,486$146,468
Robert DarrochSoftware EngineerFT$116,750$5,813$122,563
Nidia MercadoDirector of Industry Relations/customer SupportFT$103,137$6,117$109,254
Ahmed MoyeenSenior Software Engineer/dbaFT$100,795$5,120$105,915
Robert SessionsSenior Software Engineer/dbaFT$100,795$2,620$103,415
James HarrisTrustee-$598$598$1,196
Jeff TasseyTrustee-$812-$812
Carey TarbellTrustee-$625-$625
Kristen SolesTrustee-$625-$625
Patricia WexlerTrustee-$625-$625
Robert RuizTrustee-$625-$625
Veronica WhitelawTrustee-$275$275$550
Dr Joseph ChavezTrustee-$320-$320

Highest Paid Contractors

ContractorServicesLocationCompensation
GooglePublic Service Announcement13169 COLLECTION CENTER DRIVE, Chicago, IL 60693$3,399,073
Microsoft BingPublic Service AnnouncementPO BOX 13684, Newark, NJ 07189$450,000
Equifax Authentication ServicesCredit Bureau ServicePO BOX 4472, Atlanta, GA 30302$196,421
Cathedral CorporationPrinting And Fulfillment6851 TPC DRIVE, Orlando, FL 32822$133,344
Jim Hathaway & AssociatesWeb Consulting4242 ILENE COURT, Orlando, FL 32806$107,900
Revenue and Support

Revenue Composition

Contributions and Grants
$5,329,067
Program Service Revenue
$9,614,731
Investment Income
$18,558
Other Revenue
$0
All Other Contributions
$5,329,067
Change in Net Assets
$-527,779

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,962,356
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-1,746
Total Revenue per Audited Statements
$14,960,610
Total Revenue per Form 990
$14,962,356
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,721,569
Salaries, Compensation, and Employee Benefits$4,764,566
Total Fundraising Expense$25,067
Grants and Similar Amounts Paid$4,000
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,581,712$306,737$4,492$2,892,941
Current Officers, Directors, Trustees, and Key Employees$844,919$100,388$1,470$946,777
Other Employee Benefits$428,671$50,921$746$480,338
Depreciation Depletion$420,889$50,007$732$471,628
Fees for Services Other$268,323$31,881$467$300,671
Payroll Taxes$263,539$31,312$459$295,310
Occupancy$231,438$27,497$403$259,338
All Other Expenses$134,261$15,952$234$150,447
Pension Plan Contributions$133,139$15,830$231$149,200
Information Technology$116,542$13,846$203$130,591
Other Expenses$62,437$7,418$109$69,964
Fees for Services Legal$52,352$6,220$91$58,663
Fees for Services Accounting$47,227$5,611$82$52,920
Travel$29,599$3,516$51$33,166
Grants to Domestic Orgs$4,000--$4,000
Insurance$1,607$190$3$1,800
Office Expenses$599$72$1$672
Total Functional Expenses$14,411,743$1,053,325$25,067$15,490,135

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$15,490,135
Total Expenses per Audited Statements$15,490,135
Total Expenses per Form 990$15,490,135
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deferred Compensation$251,968
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
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

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, 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. All noted items on conflict of interest forms received from other than trustees are investigated before providing the forms to the governance committee. Noted items on conflict of interest forms received from trustees are investigated by the governance committee.

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 as the basis for officer compensation annually. On a regular basis, an independent compensation consultant may be used to perform a compensation survey or study. Key employees may receive salary increases based on an evaluation of performance. Periodically, key employees' salaries are compared to market data. The last compensation review was conducted in february 2017.

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
2017-08-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Etta W Money
Formed
1997
Legal Domicile
Nv
Voting Board Members
8
Independent Board Members
8
Employees
118
Volunteers
8

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 2013 are no longer subject to examination by the internal revenue service.

Raw XML AppendixShowing 400 of 751 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/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt834336
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt927365
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1026590
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt119364
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt127486
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt135813
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt146117
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt152620
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt165120
IRS990/Form990PartVIISectionAGrp/PersonNm0DR JOSEPH CHAVEZ
IRS990/Form990PartVIISectionAGrp/PersonNm1ROBERT RUIZ
IRS990/Form990PartVIISectionAGrp/PersonNm2KRISTEN SOLES
IRS990/Form990PartVIISectionAGrp/PersonNm3VERONICA WHITELAW
IRS990/Form990PartVIISectionAGrp/PersonNm4CAREY TARBELL
IRS990/Form990PartVIISectionAGrp/PersonNm5PATRICIA WEXLER
IRS990/Form990PartVIISectionAGrp/PersonNm6JEFF TASSEY
IRS990/Form990PartVIISectionAGrp/PersonNm7JAMES HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm8ETTA W MONEY
IRS990/Form990PartVIISectionAGrp/PersonNm9WILLIAM MALSEED
IRS990/Form990PartVIISectionAGrp/PersonNm10SORAIA DEARAUJO
IRS990/Form990PartVIISectionAGrp/PersonNm11CHRIS HENNINGSEN
IRS990/Form990PartVIISectionAGrp/PersonNm12MICHAEL WALKER
IRS990/Form990PartVIISectionAGrp/PersonNm13ROBERT DARROCH
IRS990/Form990PartVIISectionAGrp/PersonNm14NIDIA MERCADO
IRS990/Form990PartVIISectionAGrp/PersonNm15ROBERT SESSIONS
IRS990/Form990PartVIISectionAGrp/PersonNm16AHMED MOYEEN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0320
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1625
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2625
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3275
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4625
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5625
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6812
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7598
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8311338
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9170426
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10183449
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11182489
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12138982
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13116750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14103137
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15100795
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16100795
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3275
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt7598
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt816386
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt98970
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
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/TitleTxt8PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt10V.P. OF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt11V.P. OF CONSUMER AWARENESS
IRS990/Form990PartVIISectionAGrp/TitleTxt12SR. DIRECTOR OF INFORMATIO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SOFTWARE ENGINEER
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR OF INDUSTRY RELATIONS/CUSTOMER SUPPORT
IRS990/Form990PartVIISectionAGrp/TitleTxt15SENIOR SOFTWARE ENGINEER/DBA
IRS990/Form990PartVIISectionAGrp/TitleTxt16SENIOR SOFTWARE ENGINEER/DBA
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01997
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0-21484
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantAmt04000
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt04000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt04000
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt01912426
IRS990/GrossReceiptsAmt016896266
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt0203
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt013846
IRS990/InformationTechnologyGrp/ProgramServicesAmt0116542
IRS990/InformationTechnologyGrp/TotalAmt0130591
IRS990/InsuranceGrp/FundraisingAmt03
IRS990/InsuranceGrp/ManagementAndGeneralAmt0190
IRS990/InsuranceGrp/ProgramServicesAmt01607
IRS990/InsuranceGrp/TotalAmt01800
IRS990/InventoriesForSaleOrUseGrp/BOYAmt02189
IRS990/InventoriesForSaleOrUseGrp/EOYAmt01635
IRS990/InvestmentIncomeGrp/ExclusionAmt040042
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt040042
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0497818
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0165548
IRS990/InvestmentsPubTradedSecGrp/BOYAmt01792751
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01783639
IRS990/IRPDocumentCnt025
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07825397
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01152839
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0885824
IRS990/LandBldgEquipCostOrOtherBssAmt08711221
IRS990/LegalDomicileStateCd0NV
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01933910
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0INCHARGE DEBT SOLUTIONS HELPS CONSUMERS ACHIEVE FINANCIAL BALANCE AND MOVE CLOSER TO THEIR DREAMS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt03165338
IRS990/NetAssetsOrFundBalancesEOYAmt02635813
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-21484
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-21484
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-1746
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt0403
IRS990/OccupancyGrp/ManagementAndGeneralAmt027497
IRS990/OccupancyGrp/ProgramServicesAmt0231438
IRS990/OccupancyGrp/TotalAmt0259338
IRS990/OfficeExpensesGrp/FundraisingAmt01
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt072
IRS990/OfficeExpensesGrp/ProgramServicesAmt0599
IRS990/OfficeExpensesGrp/TotalAmt0672
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0409244
IRS990/OtherAssetsTotalGrp/EOYAmt01069021
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt0746
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt050921
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0428671
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0480338
IRS990/OtherExpensesGrp/Desc0PUBLIC AWARENESS
IRS990/OtherExpensesGrp/Desc1OVERHEAD SUPPORT
IRS990/OtherExpensesGrp/Desc2EDUC. SERV. & MATERIALS
IRS990/OtherExpensesGrp/Desc3DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/FundraisingAmt06919
IRS990/OtherExpensesGrp/FundraisingAmt15302
IRS990/OtherExpensesGrp/FundraisingAmt23072
IRS990/OtherExpensesGrp/FundraisingAmt3109
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0362069
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt123858
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt27418
IRS990/OtherExpensesGrp/ProgramServicesAmt03977451
IRS990/OtherExpensesGrp/ProgramServicesAmt13047389
IRS990/OtherExpensesGrp/ProgramServicesAmt21765649
IRS990/OtherExpensesGrp/ProgramServicesAmt362437
IRS990/OtherExpensesGrp/TotalAmt03984370
IRS990/OtherExpensesGrp/TotalAmt13414760
IRS990/OtherExpensesGrp/TotalAmt21792579
IRS990/OtherExpensesGrp/TotalAmt369964
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt0149428
IRS990/OtherLiabilitiesGrp/EOYAmt0251968
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt04492
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0306737
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt02581712
IRS990/OtherSalariesAndWagesGrp/TotalAmt02892941
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt0459
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt031312
IRS990/PayrollTaxesGrp/ProgramServicesAmt0263539
IRS990/PayrollTaxesGrp/TotalAmt0295310
IRS990/PensionPlanContributionsGrp/FundraisingAmt0231
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt015830
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0133139
IRS990/PensionPlanContributionsGrp/TotalAmt0149200
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt096780
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0108138
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0232070
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0155328
IRS990/PrincipalOfficerNm0ETTA W MONEY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/BusinessCd4900099
IRS990/ProgramServiceRevenueGrp/Desc0CLIENT PROCESSING FEES
IRS990/ProgramServiceRevenueGrp/Desc1BANKRUPTCY COUNSEL. & DEBTOR ED.
IRS990/ProgramServiceRevenueGrp/Desc2HOUSING COUNSELING FEES
IRS990/ProgramServiceRevenueGrp/Desc3STUDENT LOAN COUNSELING
IRS990/ProgramServiceRevenueGrp/Desc4CREDIT REPORT COUNSELING
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08581317
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1582293
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2416148
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt325685
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt49288
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08581317
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1582293
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2416148
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt325685
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt49288

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