Civic Intelligence

Incharge Financial Solutions

990 • Fiscal year 2017 • EIN 33-0770440

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 12, 2018

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

71st percentile

0.48x

Higher debt load relative to assets than 71% of similar nonprofits.

2017 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

42nd percentile

0.17x

Higher debt load relative to revenue than 42% of similar nonprofits.

2017 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2017

Net Margin

41st percentile

0.9%

Higher net margin than 41% of similar nonprofits.

2017 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

85th percentile

$362,439

Higher top officer pay than 85% of similar nonprofits.

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

2017 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2017

Asset Growth

64th percentile

8.7%

Faster asset growth than 64% of similar nonprofits.

2017 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

39th percentile

1.5%

Faster revenue growth than 39% of similar nonprofits.

2017 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Assets

Up

$5,332,430

Up $296,672 (+5.9%) from 2015

Net Assets

Down

$2,761,173

Down $404,165 (-13%) from 2015

Liabilities

Up

$2,571,257

Up $700,837 (+37%) from 2015

Revenue

Up

$15,186,997

Up $160,704 (+1.1%) from 2015

Expenses

Down

$15,053,090

Down $924,142 (-5.8%) from 2015

Net Income

Up

$133,907

Up $1,084,846 (+114%) 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 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

2017

Assets$5,332,430
Liabilities$2,571,257
Net Assets$2,761,173

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 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

2017

Revenue$15,186,997
Expenses$15,053,090
Net Income$133,907
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 12, 2018
Return Version
2017v2.3
Gross Receipts
$15,424,274
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, pre-purchasing housing counseling, student loan counseling, and other financial literacy activities for the benefit of the general public.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$1,783,639$1,920,227▲ $136,588
Savings and Temporary Cash Investments$639,519$1,050,344▲ $410,825
Land, Buildings, and Equipment, Net$885,824$605,751▼ $280,073
Accounts Receivable$95,321$171,886▲ $76,565
Prepaid Expenses and Deferred Charges$155,328$102,084▼ $53,244
Pledges and Grants Receivable$108,138$66,100▼ $42,038
Investments Other Securities$165,548$52,778▼ $112,770
Inventories for Sale or Use$1,635$1,549▼ $86
Total Assets$4,903,973$5,332,430▲ $428,457
Other Assets Total$1,069,021$1,361,711▲ $292,690
Liabilities
Escrow Account Liability$817,053$993,964▲ $176,911
Accounts Payable and Accrued Expenses$974,139$983,553▲ $9,414
Other Liabilities$251,968$367,747▲ $115,779
Deferred Revenue$225,000$225,993▲ $993
Total Liabilities$2,268,160$2,571,257▲ $303,097
Net Assets / Fund Balance
Unrestricted Net Assets$2,635,813$2,761,173▲ $125,360
Total Net Assets Fund Balance$2,635,813$2,761,173▲ $125,360
Total Liabilities and Net Assets / Fund Balance$4,903,973$5,332,430▲ $428,457

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$605,751$8,116,542$8,722,293
Other Assets Org$367,747--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Etta W MoneyPresident & CEOFT$290,873$53,444$344,317
Soraia DearaujoV.p. of OperationsFT$171,741$40,868$212,609
William MalseedSecretary/treasurerFT$163,984$41,782$205,766
Chris HenningsenV.p. of Consumer AwarenessFT$171,987$21,979$193,966
Michael WalkerSr. Director of InformatioFT$142,086$7,641$149,727
Robert DarrochSenior Software Engineer/dFT$116,250$5,813$122,063
Nidia MercadoDirector of Industry RelatFT$105,440$6,232$111,672
Curtis HendersonSr. Director Business AnalysisFT$102,823$6,218$109,041
Robert SessionsSenior Software Engineer/dFT$101,722$6,046$107,768
Patricia WexlerTrustee-$700-$700
James HarrisTrustee-$350$350$700
Carey TarbellTrustee-$650-$650
Jeff TasseyTrustee-$650-$650
Kristen SolesTrustee-$650-$650
Robert RuizTrustee-$650-$650
Veronica WhitelawTrustee-$650-$650
Dr Joseph ChavezTrustee-$625-$625

Board Members and Trustees

NameTitle
Bhavesh VadhaniTrustee

Highest Paid Contractors

ContractorServicesLocationCompensation
GooglePublic Service Announcement13169 COLLECTION CENTER DRIVE, Chicago, IL 60693$2,704,248
Microsoft BingPublic Service AnnouncementPO BOX 13684, Newark, NJ 07189$420,000
3c IncorporatedPublic Service Announcement9755 PATUXENT WOODS DRIVE, Columbia, MD 21046$333,650
Equifax Authentication ServicesCredit Bureau ServicePO BOX 4472, Atlanta, GA 30302$180,586
Knucklepuck Holding LLCWeb Consulting189 S ORANGE AVENUE, Orlando, FL 32801$174,000
Revenue and Support

Revenue Composition

Contributions and Grants
$4,979,081
Program Service Revenue
$10,166,881
Investment Income
$41,035
Other Revenue
$0
All Other Contributions
$4,979,081
Change in Net Assets
$133,907

Audited Revenue Reconciliation

Revenue per Audited Statements
$15,186,997
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-8,547
Total Revenue per Audited Statements
$15,178,450
Total Revenue per Form 990
$15,186,997
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,163,126
Salaries, Compensation, and Employee Benefits$4,885,964
Total Fundraising Expense$26,388
Grants and Similar Amounts Paid$4,000
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,691,890$309,871$5,645$3,007,406
Current Officers, Directors, Trustees, and Key Employees$855,020$105,601$962$961,583
Other Employee Benefits$436,899$50,360$927$488,186
Fees for Services Other$312,744$36,581$590$349,915
Depreciation Depletion$297,007$34,741$560$332,308
Payroll Taxes$272,049$31,820$513$304,382
Occupancy$202,526$23,689$382$226,597
All Other Expenses$132,150$15,457$249$147,856
Information Technology$117,033$13,688$221$130,942
Fees for Services Legal$70,614$8,260$133$79,007
Other Expenses$60,086$7,028$113$67,227
Fees for Services Accounting$56,485$6,607$106$63,198
Pension Plan Contributions$56,129$6,875$63$63,067
Comp Disqual Persons$54,905$6,318$117$61,340
Travel$24,031$2,756$50$26,837
Grants to Domestic Orgs$4,000--$4,000
Insurance$1,608$189$3$1,800
Office Expenses$42$5-$47
Total Functional Expenses$14,002,948$1,023,754$26,388$15,053,090

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$15,053,090
Total Expenses per Audited Statements$15,053,090
Total Expenses per Form 990$15,053,090
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
William MalseedSecretary/treasurerWILLIAM MALSEED'S DAUGHTER RACHEL MALSEED WAS EMPLOYED BY IDS DURING 2017 AS A CUSTOMER SUPPORT REPRESENTATIVE.No$24,591
Soraia DearaujoV.p. of OperationsSORAIA DEARAUJO'S DAUGHTER, BIANCA BADILLO-DEARAUJO WAS EMPLOYED BY IDS DURING 2017 AS A CLIENT SERVICES REPRESENTATIVE.No$24,112
Etta MoneyPresident and CEOETTA MONEY'S DAUGHTER, SARAH MONEY WAS EMPLOYED BY IDS DURING 2017 AS A CUSTOMER SUPPORT REPRESENTATIVENo$12,637
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deferred Compensation$367,747
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
Yes
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/march 2018.

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
William Malseed
Title
Treasurer/secretary
Phone
4072917770
Signed
2018-11-12
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
129
Volunteers
8

Preparer

Firm
Jones Maresca & Mcquade Pa
Address
10500 LITTLE PATUXENT PKWY SUITE, 770, COLUMBIA, MD 21044
Preparer
Lisa Cheifetz
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 2014 are no longer subject to examination by the internal revenue service.

Raw XML AppendixShowing 400 of 763 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0974139
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0983553
IRS990/AccountsReceivableGrp/BOYAmt095321
IRS990/AccountsReceivableGrp/EOYAmt0171886
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0INCHARGE 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, PRE-PURCHASING HOUSING COUNSELING, STUDENT LOAN COUNSELING, AND OTHER FINANCIAL LITERACY ACTIVITIES FOR THE BENEFIT OF THE GENERAL PUBLIC.
IRS990/AllOtherContributionsAmt04979081
IRS990/AllOtherExpensesGrp/FundraisingAmt0249
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt015457
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0132150
IRS990/AllOtherExpensesGrp/TotalAmt0147856
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0INCHARGE DEBT SOLUTIONS
IRS990/BooksInCareOfDetail/PhoneNum04072917770
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt05750 MAJOR BLVD SUITE 300
IRS990/BooksInCareOfDetail/USAddress/CityNm0ORLANDO
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd032819
IRS990/BusinessRlnWithFamMemInd01
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt07
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt0962
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0105601
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0855020
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0961583
IRS990/CompDisqualPersonsGrp/FundraisingAmt0117
IRS990/CompDisqualPersonsGrp/ManagementAndGeneralAmt06318
IRS990/CompDisqualPersonsGrp/ProgramServicesAmt054905
IRS990/CompDisqualPersonsGrp/TotalAmt061340
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt02704248
IRS990/ContractorCompensationGrp/CompensationAmt1420000
IRS990/ContractorCompensationGrp/CompensationAmt2333650
IRS990/ContractorCompensationGrp/CompensationAmt3180586
IRS990/ContractorCompensationGrp/CompensationAmt4174000
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt013169 COLLECTION CENTER DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1PO BOX 13684
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt29755 PATUXENT WOODS DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3PO BOX 4472
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt4189 S ORANGE AVENUE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0CHICAGO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1NEWARK
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2COLUMBIA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3ATLANTA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4ORLANDO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1NJ
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2MD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3GA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4FL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd060693
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd107189
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd221046
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd330302
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd432801
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0GOOGLE
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1MICROSOFT BING
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt23C INCORPORATED
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3EQUIFAX AUTHENTICATION SERVICES
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4KNUCKLEPUCK HOLDING LLC
IRS990/ContractorCompensationGrp/ServicesDesc0PUBLIC SERVICE ANNOUNCEMENT
IRS990/ContractorCompensationGrp/ServicesDesc1PUBLIC SERVICE ANNOUNCEMENT
IRS990/ContractorCompensationGrp/ServicesDesc2PUBLIC SERVICE ANNOUNCEMENT
IRS990/ContractorCompensationGrp/ServicesDesc3CREDIT BUREAU SERVICE
IRS990/ContractorCompensationGrp/ServicesDesc4WEB CONSULTING
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt04979081
IRS990/CYGrantsAndSimilarPaidAmt04000
IRS990/CYInvestmentIncomeAmt041035
IRS990/CYOtherExpensesAmt010163126
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt010166881
IRS990/CYRevenuesLessExpensesAmt0133907
IRS990/CYSalariesCompEmpBnftPaidAmt04885964
IRS990/CYTotalExpensesAmt015053090
IRS990/CYTotalFundraisingExpenseAmt026388
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt015186997
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt0225000
IRS990/DeferredRevenueGrp/EOYAmt0225993
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/FundraisingAmt0560
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt034741
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0297007
IRS990/DepreciationDepletionGrp/TotalAmt0332308
IRS990/Desc0CREDIT 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 60,000 FINANCIALLY DISTRESSED INDIVIDUALS RECEIVED CREDIT COUNSELING, AND FINANCIAL EDUATIONAL MATERIALS DURING 2017. 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/DescribedInSection501c3Ind01
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt0129
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EngagedInExcessBenefitTransInd00
IRS990/EscrowAccountLiabilityGrp/BOYAmt0817053
IRS990/EscrowAccountLiabilityGrp/EOYAmt0993964
IRS990/ExpenseAmt09229745
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/FundraisingAmt0106
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt06607
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt056485
IRS990/FeesForServicesAccountingGrp/TotalAmt063198
IRS990/FeesForServicesLegalGrp/FundraisingAmt0133
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt08260
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt070614
IRS990/FeesForServicesLegalGrp/TotalAmt079007
IRS990/FeesForServicesOtherGrp/FundraisingAmt0590
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt036581
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt0312744
IRS990/FeesForServicesOtherGrp/TotalAmt0349915
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt948.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1043.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1145.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1245.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1345.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1445.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1545.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1645.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1745.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt935257
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1028579
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1126281
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt129412
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt137641
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt145813
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt156232
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt166046
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt176218
IRS990/Form990PartVIISectionAGrp/PersonNm0DR JOSEPH CHAVEZ
IRS990/Form990PartVIISectionAGrp/PersonNm1BHAVESH VADHANI
IRS990/Form990PartVIISectionAGrp/PersonNm2ROBERT RUIZ
IRS990/Form990PartVIISectionAGrp/PersonNm3KRISTEN SOLES
IRS990/Form990PartVIISectionAGrp/PersonNm4VERONICA WHITELAW
IRS990/Form990PartVIISectionAGrp/PersonNm5CAREY TARBELL
IRS990/Form990PartVIISectionAGrp/PersonNm6PATRICIA WEXLER
IRS990/Form990PartVIISectionAGrp/PersonNm7JEFF TASSEY
IRS990/Form990PartVIISectionAGrp/PersonNm8JAMES HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm9ETTA W MONEY
IRS990/Form990PartVIISectionAGrp/PersonNm10WILLIAM MALSEED
IRS990/Form990PartVIISectionAGrp/PersonNm11SORAIA DEARAUJO
IRS990/Form990PartVIISectionAGrp/PersonNm12CHRIS HENNINGSEN
IRS990/Form990PartVIISectionAGrp/PersonNm13MICHAEL WALKER
IRS990/Form990PartVIISectionAGrp/PersonNm14ROBERT DARROCH
IRS990/Form990PartVIISectionAGrp/PersonNm15NIDIA MERCADO
IRS990/Form990PartVIISectionAGrp/PersonNm16ROBERT SESSIONS
IRS990/Form990PartVIISectionAGrp/PersonNm17CURTIS HENDERSON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0625
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2650
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3650
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4650
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5650
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6700
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7650
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8350
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9310823
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10178616
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11186328
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12184554
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13142086
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14116250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15105440
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16101722
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17102823
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt8350
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt916359
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt109401
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
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/TitleTxt9PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt11V.P. OF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt12V.P. OF CONSUMER AWARENESS
IRS990/Form990PartVIISectionAGrp/TitleTxt13SR. DIRECTOR OF INFORMATIO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SENIOR SOFTWARE ENGINEER/D
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR OF INDUSTRY RELAT
IRS990/Form990PartVIISectionAGrp/TitleTxt16SENIOR SOFTWARE ENGINEER/D
IRS990/Form990PartVIISectionAGrp/TitleTxt17SR. DIRECTOR BUSINESS ANALYSIS
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01997
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0-4177
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantAmt04000
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt04000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt04000
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0233100
IRS990/GrossReceiptsAmt015424274
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt0221
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt013688
IRS990/InformationTechnologyGrp/ProgramServicesAmt0117033
IRS990/InformationTechnologyGrp/TotalAmt0130942
IRS990/InsuranceGrp/FundraisingAmt03
IRS990/InsuranceGrp/ManagementAndGeneralAmt0189
IRS990/InsuranceGrp/ProgramServicesAmt01608
IRS990/InsuranceGrp/TotalAmt01800
IRS990/InventoriesForSaleOrUseGrp/BOYAmt01635
IRS990/InventoriesForSaleOrUseGrp/EOYAmt01549
IRS990/InvestmentIncomeGrp/ExclusionAmt045212
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt045212
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0165548
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt052778
IRS990/InvestmentsPubTradedSecGrp/BOYAmt01783639
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01920227
IRS990/IRPDocumentCnt025
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08116542
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0885824
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0605751
IRS990/LandBldgEquipCostOrOtherBssAmt08722293
IRS990/LegalDomicileStateCd0NV
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0237277
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/NetAssetsOrFundBalancesBOYAmt02635813
IRS990/NetAssetsOrFundBalancesEOYAmt02761173
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-4177
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-4177
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-8547
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt0382
IRS990/OccupancyGrp/ManagementAndGeneralAmt023689
IRS990/OccupancyGrp/ProgramServicesAmt0202526
IRS990/OccupancyGrp/TotalAmt0226597
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt05
IRS990/OfficeExpensesGrp/ProgramServicesAmt042
IRS990/OfficeExpensesGrp/TotalAmt047
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01069021
IRS990/OtherAssetsTotalGrp/EOYAmt01361711
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt0927
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt050360
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0436899
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0488186
IRS990/OtherExpensesGrp/Desc0PUBLIC AWARENESS
IRS990/OtherExpensesGrp/Desc1OVERHEAD SUPPORT
IRS990/OtherExpensesGrp/Desc2EDUC. SERV. & MATERIALS
IRS990/OtherExpensesGrp/Desc3DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/FundraisingAmt07337
IRS990/OtherExpensesGrp/FundraisingAmt15864
IRS990/OtherExpensesGrp/FundraisingAmt22553
IRS990/OtherExpensesGrp/FundraisingAmt3113
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1363908
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt27028
IRS990/OtherExpensesGrp/ProgramServicesAmt03892540
IRS990/OtherExpensesGrp/ProgramServicesAmt13111134
IRS990/OtherExpensesGrp/ProgramServicesAmt21354056
IRS990/OtherExpensesGrp/ProgramServicesAmt360086
IRS990/OtherExpensesGrp/TotalAmt03899877
IRS990/OtherExpensesGrp/TotalAmt13480906
IRS990/OtherExpensesGrp/TotalAmt21356609
IRS990/OtherExpensesGrp/TotalAmt367227
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt0251968
IRS990/OtherLiabilitiesGrp/EOYAmt0367747
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt05645
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0309871
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt02691890
IRS990/OtherSalariesAndWagesGrp/TotalAmt03007406
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt0513
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt031820
IRS990/PayrollTaxesGrp/ProgramServicesAmt0272049
IRS990/PayrollTaxesGrp/TotalAmt0304382
IRS990/PensionPlanContributionsGrp/FundraisingAmt063
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt06875
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt056129
IRS990/PensionPlanContributionsGrp/TotalAmt063067
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0108138
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt066100
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0155328
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0102084
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/Desc1HOUSING COUNSELING FEES
IRS990/ProgramServiceRevenueGrp/Desc2BANKRUPTCY COUNSEL. & DEBTOR ED.
IRS990/ProgramServiceRevenueGrp/Desc3STUDENT LOAN COUNSELING
IRS990/ProgramServiceRevenueGrp/Desc4CREDIT REPORT COUNSELING
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt09091388

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings