Civic Intelligence

Incharge Financial Solutions

990 • Fiscal year 2018 • EIN 33-0770440

Jan 01, 2018 to Dec 31, 2018 • Filed on Sep 06, 2019

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.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

45th percentile

0.19x

Higher debt load relative to revenue than 45% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Net Margin

52nd percentile

3.7%

Higher net margin than 52% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

85th percentile

$370,473

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Asset Growth

85th percentile

20%

Faster asset growth than 85% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Revenue Growth

55th percentile

5.8%

Faster revenue growth than 55% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Assets

Up

$6,405,414

Up $1,072,984 (+20%) from 2017

Net Assets

Up

$3,351,484

Up $590,311 (+21%) from 2017

Liabilities

Up

$3,053,930

Up $482,673 (+19%) from 2017

Revenue

Up

$16,065,326

Up $878,329 (+5.8%) from 2017

Expenses

Up

$15,466,298

Up $413,208 (+2.7%) from 2017

Net Income

Up

$599,028

Up $465,121 (+347%) from 2017

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

2018

Assets$6,405,414
Liabilities$3,053,930
Net Assets$3,351,484

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

2018

Revenue$16,065,326
Expenses$15,466,298
Net Income$599,028
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Sep 6, 2019
Return Version
2018v3.1
Gross Receipts
$16,464,946
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
Savings and Temporary Cash Investments$1,050,344$1,836,750▲ $786,406
Investments in Publicly Traded Securities$1,920,227$1,821,636▼ $98,591
Land, Buildings, and Equipment, Net$605,751$652,298▲ $46,547
Accounts Receivable$171,886$227,263▲ $55,377
Investments Other Securities$52,778$171,093▲ $118,315
Prepaid Expenses and Deferred Charges$102,084$62,623▼ $39,461
Pledges and Grants Receivable$66,100$56,759▼ $9,341
Inventories for Sale or Use$1,549--
Total Assets$5,332,430$6,405,414▲ $1,072,984
Other Assets Total$1,361,711$1,576,992▲ $215,281
Liabilities
Accounts Payable and Accrued Expenses$983,553$1,298,691▲ $315,138
Escrow Account Liability$993,964$1,119,911▲ $125,947
Other Liabilities$367,747$457,081▲ $89,334
Deferred Revenue$225,993$178,247▼ $47,746
Total Liabilities$2,571,257$3,053,930▲ $482,673
Net Assets / Fund Balance
Unrestricted Net Assets$2,761,173$3,351,484▲ $590,311
Total Net Assets Fund Balance$2,761,173$3,351,484▲ $590,311
Total Liabilities and Net Assets / Fund Balance$5,332,430$6,405,414▲ $1,072,984

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$652,298$8,312,287$8,964,585
Other Assets Org$52,753--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Etta W MoneyPresident & CEOFT$298,101$53,848$351,949
Soraia DearaujoV.p. of OperationsFT$175,180$43,748$218,928
William MalseedSecretary/treasurerFT$167,271$41,782$209,053
Chris HenningsenV.p. of Consumer AwarenessFT$175,470$23,797$199,267
Michael WalkerSr. Dir,of Info.itFT$144,220$19,748$163,968
Robert DarrochSenior Software Engineer/dFT$118,067$5,878$123,945
Nidia MercadoDirector of Industry RelatFT$109,066$6,388$115,454
Ahmed MoyeenSenior Software Engineer/dFT$103,804$6,125$109,929
Robert SessionsSenior Software Engineer/dFT$101,765$6,046$107,811
Billy SextonMgr., It InfrastructureFT$101,765$6,023$107,788
James HarrisTrustee-$750$750$1,500
Carey TarbellTrustee-$1,050-$1,050
Jeff TasseyTrustee-$1,050-$1,050
Kristen SolesTrustee-$1,050-$1,050
Patricia WexlerTrustee-$1,050-$1,050
Robert RuizTrustee-$1,050-$1,050
Veronica WhitelawTrustee-$1,050-$1,050
Bhavesh VadhaniTrustee-$575-$575

Highest Paid Contractors

ContractorServicesLocationCompensation
GooglePublic Service Announcement13169 COLLECTION CENTER DRIVE, Chicago, IL 60693$2,836,864
Microsoft BingPublic Service AnnouncementONE MICROSOFT WAY, Redmond, WA 98052$330,000
3c IncorporatedCommunications9755 PATUXENT WOODS DRIVE, Columbia, MD 21046$206,520
Knucklepuck Holding LLCWeb Consulting189 S ORANGE AVENUE, Orlando, FL 32801$174,000
Stericycle CommunicationsCommunications26604 NETWORK PLACE, Chicago, IL 60673$172,822
Revenue and Support

Revenue Composition

Contributions and Grants
$5,069,604
Program Service Revenue
$10,937,460
Investment Income
$31,021
Other Revenue
$27,241
All Other Contributions
$5,069,604
Change in Net Assets
$599,028

Audited Revenue Reconciliation

Revenue per Audited Statements
$16,065,326
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-8,717
Total Revenue per Audited Statements
$16,056,609
Total Revenue per Form 990
$16,065,326
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,200,228
Salaries, Compensation, and Employee Benefits$5,261,865
Total Fundraising Expense$21,142
Grants and Similar Amounts Paid$4,205
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Payments to Affiliates$2,852,715$443,879$2,089$3,298,683
Other Salaries and Wages$3,214,113$37,786$9,620$3,261,519
Current Officers, Directors, Trustees, and Key Employees$473,198$680,795-$1,153,993
Other Employee Benefits$439,251$3,553$1,168$443,972
Fees for Services Other$319,260$47,249$846$367,355
Information Technology$285,883$49,137$758$335,778
Depreciation Depletion$260,632$44,797$691$306,120
Payroll Taxes$256,875$44,152$681$301,708
Occupancy$128,044$22,009$339$150,392
All Other Expenses$88,694$15,247$235$104,176
Pension Plan Contributions$90,043$10,241$389$100,673
Fees for Services Accounting$53,524$9,199$142$62,865
Other Expenses$50,968$8,760$135$59,863
Fees for Services Legal$43,660$7,504$116$51,280
Travel$32,853$5,647$87$38,587
Insurance$5,614$965$15$6,594
Grants to Domestic Orgs$4,205--$4,205
Office Expenses$1,074$192$3$1,269
Total Functional Expenses$14,004,459$1,440,697$21,142$15,466,298

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$15,466,298
Total Expenses per Audited Statements$15,466,298
Total Expenses per Form 990$15,466,298
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
Michael WalkerSr. Dir. of I.t.MICHAEL WALKER'S SON, CHRISTOPHER WALKER WAS EMPLOYED BY IDS DURING 2018 AS A CREDIT COUNSELOR.No$32,818
William MalseedSecretary/treasurerWILLIAM MALSEED'S DAUGHTER RACHEL MALSEED WAS EMPLOYED BY IDS DURING 2018 AS A CUSTOMER SUPPORT REPRESENTATIVE.No$26,480
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deferred Compensation$404,328
Funds Held on Behalf of Others$52,753
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
Yes
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 A, Line 4

During 2018, ids proposed changes to its bylaws to state that the board may delegate power of any offficer position that reports to the board (i.e. President & ceo, secretary and treasurer) in which that officer is absent or unable to serve to another officer, trustee or person selected, among other changes. The board approved the amendments to the bylaws in 2019.

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 2019.

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
2019-09-06
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
122
Volunteers
8

Preparer

Firm
Jones Maresca & Mcquade Pa
Address
10500 LITTLE PATUXENT PARKWAY 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 2015 are no longer subject to examination by the internal revenue service.

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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/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/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
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/OtherCompensationAmt835682
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt928381
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1027248
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt117748
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt129597
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt135878
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt146388
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt156046
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt166125
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt176023
IRS990/Form990PartVIISectionAGrp/PersonNm0BHAVESH VADHANI
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/PersonNm11MICHAEL WALKER
IRS990/Form990PartVIISectionAGrp/PersonNm12CHRIS HENNINGSEN
IRS990/Form990PartVIISectionAGrp/PersonNm13ROBERT DARROCH
IRS990/Form990PartVIISectionAGrp/PersonNm14NIDIA MERCADO
IRS990/Form990PartVIISectionAGrp/PersonNm15ROBERT SESSIONS
IRS990/Form990PartVIISectionAGrp/PersonNm16AHMED MOYEEN
IRS990/Form990PartVIISectionAGrp/PersonNm17BILLY SEXTON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0575
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11050
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21050
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt31050
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt41050
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt51050
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt61050
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8318051
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9182091
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10191680
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11156220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12189670
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13118067
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14109066
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15101765
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16103804
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17101765
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt7750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt816740
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt99584
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
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/TitleTxt8PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt10V.P. OF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt11SR. DIR,OF INFO.IT
IRS990/Form990PartVIISectionAGrp/TitleTxt12V.P. OF CONSUMER AWARENESS
IRS990/Form990PartVIISectionAGrp/TitleTxt13SENIOR SOFTWARE ENGINEER/D
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR OF INDUSTRY RELAT
IRS990/Form990PartVIISectionAGrp/TitleTxt15SENIOR SOFTWARE ENGINEER/D
IRS990/Form990PartVIISectionAGrp/TitleTxt16SENIOR SOFTWARE ENGINEER/D
IRS990/Form990PartVIISectionAGrp/TitleTxt17MGR., IT INFRASTRUCTURE
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IRS990/FormationYr01997
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0-12865
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantAmt04205
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt04205
IRS990/GrantsToDomesticOrgsGrp/TotalAmt04205
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0386755
IRS990/GrossReceiptsAmt016464946
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt011
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InformationTechnologyGrp/FundraisingAmt0758
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt049137
IRS990/InformationTechnologyGrp/ProgramServicesAmt0285883
IRS990/InformationTechnologyGrp/TotalAmt0335778
IRS990/InsuranceGrp/FundraisingAmt015
IRS990/InsuranceGrp/ManagementAndGeneralAmt0965
IRS990/InsuranceGrp/ProgramServicesAmt05614
IRS990/InsuranceGrp/TotalAmt06594
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IRS990/LegalDomicileStateCd0NV
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0399620
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
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IRS990/NondeductibleContributionsInd00
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IRS990/OccupancyGrp/ManagementAndGeneralAmt022009
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IRS990/OfficeExpensesGrp/FundraisingAmt03
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0192
IRS990/OfficeExpensesGrp/ProgramServicesAmt01074
IRS990/OfficeExpensesGrp/TotalAmt01269
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt01576992
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IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt03553
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IRS990/OtherExpensesGrp/Desc0PUBLIC AWARENESS
IRS990/OtherExpensesGrp/Desc1EDUC. SERV. & MATERIALS
IRS990/OtherExpensesGrp/Desc2DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc3TRAINING AND DEVELOPMEN
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IRS990/OtherExpensesGrp/FundraisingAmt1148
IRS990/OtherExpensesGrp/FundraisingAmt2135
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IRS990/OtherExpensesGrp/ProgramServicesAmt03959547
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IRS990/OtherExpensesGrp/ProgramServicesAmt255771
IRS990/OtherExpensesGrp/ProgramServicesAmt350968
IRS990/OtherExpensesGrp/TotalAmt03959547
IRS990/OtherExpensesGrp/TotalAmt11392215
IRS990/OtherExpensesGrp/TotalAmt265504
IRS990/OtherExpensesGrp/TotalAmt359863
IRS990/OtherInd0X
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IRS990/OtherLiabilitiesGrp/EOYAmt0457081
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0LEGAL SETTLEMENT AND OTHER INCOME
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IRS990/OtherSalariesAndWagesGrp/FundraisingAmt09620
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt037786
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt03214113
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IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt02852715
IRS990/PaymentsToAffiliatesGrp/TotalAmt03298683
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt0681
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt044152
IRS990/PayrollTaxesGrp/ProgramServicesAmt0256875
IRS990/PayrollTaxesGrp/TotalAmt0301708
IRS990/PensionPlanContributionsGrp/FundraisingAmt0389
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt010241
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt090043
IRS990/PensionPlanContributionsGrp/TotalAmt0100673
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt066100
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt056759
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0102084
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt062623
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

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