Liabilities / Assets
52nd percentile
Higher debt load relative to assets than 52% of similar nonprofits.
Incharge Financial Solutions
990 • Fiscal year 2021 • EIN 33-0770440
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.19x
Liabilities / Revenue
34th percentile
Higher debt load relative to revenue than 34% of similar nonprofits.
Net Margin
66th percentile
Higher net margin than 66% of similar nonprofits.
Top Officer Pay
90th percentile
Higher top officer pay than 90% of similar nonprofits.
Top officer pay equals 2.4% of source-year revenue.
Asset Growth
55th percentile
Faster asset growth than 55% of similar nonprofits.
Revenue Growth
37th percentile
Faster revenue growth than 37% of similar nonprofits.
Balance Sheet
Assets
Up$11,087,223
Up $4,681,809 (+73%) from 2018
Net Assets
Up$8,987,366
Up $5,635,882 (+168%) from 2018
Liabilities
Down$2,099,857
Down $954,073 (-31%) from 2018
Revenue And Expenses
Revenue
Up$18,359,238
Up $2,293,912 (+14%) from 2018
Expenses
Down$14,381,236
Down $1,085,062 (-7.0%) from 2018
Net Income
Up$3,978,002
Up $3,378,974 (+564%) from 2018
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2021 to Dec 31, 2021
- Signed
- Sep 15, 2022
- Return Version
- 2021v4.2
- Gross Receipts
- $21,533,694
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 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, and other financial literacy activities for the benefit of the general public.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments in Publicly Traded Securities | $4,722,891 | $6,464,911 | ▲ $1,742,020 |
| Cash and Non-Interest-Bearing Accounts | $2,257,609 | $1,812,334 | ▼ $445,275 |
| Investments Other Securities | $203,494 | $909,783 | ▲ $706,289 |
| Land, Buildings, and Equipment, Net | $1,381,944 | $611,958 | ▼ $769,986 |
| Savings and Temporary Cash Investments | $105,795 | $105,816 | ▲ $21 |
| Pledges and Grants Receivable | $103,438 | $61,582 | ▼ $41,856 |
| Prepaid Expenses and Deferred Charges | $226,623 | $58,073 | ▼ $168,550 |
| Accounts Receivable | $39,889 | $49,798 | ▲ $9,909 |
| Total Assets | $9,899,257 | $11,087,223 | ▲ $1,187,966 |
| Other Assets Total | $857,574 | $1,012,968 | ▲ $155,394 |
| Liabilities | |||
| Unsecured Notes Loans Payable | $1,523,367 | - | - |
| Accounts Payable and Accrued Expenses | $1,243,482 | $878,264 | ▼ $365,218 |
| Other Liabilities | $635,412 | $785,714 | ▲ $150,302 |
| Escrow Account Liability | $222,162 | $227,254 | ▲ $5,092 |
| Deferred Revenue | $355,167 | $208,625 | ▼ $146,542 |
| Total Liabilities | $3,979,590 | $2,099,857 | ▼ $1,879,733 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $5,919,667 | $8,087,366 | ▲ $2,167,699 |
| Net Assets With Donor Restrictions | - | $900,000 | - |
| Total Net Assets Fund Balance | $5,919,667 | $8,987,366 | ▲ $3,067,699 |
| Total Liabilities and Net Assets / Fund Balance | $9,899,257 | $11,087,223 | ▲ $1,187,966 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Other Land Buildings | $611,958 | $6,559,562 | $7,171,520 |
| Equipment | $0 | $2,080,565 | $2,080,565 |
| Other Assets Org | $785,714 | - | - |
| Other Securities | $909,783 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Etta W Money | President & CEO | FT | $334,768 | $113,606 | $448,374 |
| William Malseed | Secretary/treasurer | FT | $200,602 | $83,343 | $283,945 |
| Soraia Dearaujo | V.p. of Operations | FT | $189,491 | $66,951 | $256,442 |
| Shawn Walsh | Sr. Director of Business Dev. | PT | $116,855 | $22,252 | $139,107 |
| Robert Darroch | Senior Software Engineer | FT | - | $135,400 | $135,400 |
| Ahmed Moyeen | Sr. Software Engineer | FT | - | $123,702 | $123,702 |
| Billy Sexton | Network Administrator | FT | - | $122,372 | $122,372 |
| Sherana Bakhsh | Bus. Sys. Analyst/qa Lead | FT | - | $116,898 | $116,898 |
Board Members and Trustees
| Name | Title |
|---|---|
| Patricia Wexler | Board Chair |
| Karen Carlson | Sr. Director of Educ/dig Mkt |
| Sally Ericksen | Sr. Director of It |
| Bhavesh Vadhani | Trustee |
| Carey Tarbell | Trustee |
| Jake Davidow | Trustee |
| James Harris | Trustee |
| Jeff Tassey | Trustee |
| Kristen Soles | Trustee |
| Robert Ruiz | Trustee |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Public Service Announcements | 13169 COLLECTION CENTER DRIVE, Chicago, IL 60693 | $1,776,303 | |
| Knucklepuck Holding LLC | Consultants | 189 S ORANGE AVENUE, Orlando, FL 32801 | $174,000 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $8,010,019
- Program Service Revenue
- $10,315,386
- Investment Income
- $33,104
- Other Revenue
- $729
- All Other Contributions
- $6,486,652
- Change in Net Assets
- $3,978,002
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $18,359,238
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $-910,303
- Total Revenue per Audited Statements
- $17,448,935
- Total Revenue per Form 990
- $18,359,238
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $8,926,071 |
| Salaries, Compensation, and Employee Benefits | $5,455,165 |
| Total Fundraising Expense | $20,995 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Payments to Affiliates | $3,981,221 | $489,723 | $1,954 | $4,472,898 |
| Other Salaries and Wages | $2,887,714 | $354,179 | $7,250 | $3,249,143 |
| Current Officers, Directors, Trustees, and Key Employees | $1,087,699 | $133,435 | $2,731 | $1,223,865 |
| Other Employee Benefits | $464,621 | $56,785 | $1,170 | $522,576 |
| Payroll Taxes | $277,506 | $34,034 | $697 | $312,237 |
| Pension Plan Contributions | $130,801 | $16,217 | $326 | $147,344 |
| Fees for Services Other | $143,172 | - | $589 | $143,761 |
| Occupancy | $118,649 | $14,553 | $298 | $133,500 |
| Information Technology | $63,323 | $7,765 | $159 | $71,247 |
| Fees for Services Legal | $69,799 | - | - | $69,799 |
| Fees for Services Accounting | $21,763 | $28,791 | - | $50,554 |
| Other Expenses | $41,225 | $5,055 | $104 | $46,384 |
| All Other Expenses | $37,575 | $4,610 | $95 | $42,280 |
| Depreciation Depletion | $11,424 | $1,401 | $29 | $12,854 |
| Insurance | $10,618 | $1,302 | $27 | $11,947 |
| Office Expenses | $9,768 | $1,197 | $24 | $10,989 |
| Travel | $750 | $91 | $2 | $843 |
| Total Functional Expenses | $13,203,250 | $1,156,991 | $20,995 | $14,381,236 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $14,381,236 |
| Total Expenses per Audited Statements | $14,381,236 |
| Total Expenses per Form 990 | $14,381,236 |
| 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 Item | Amount |
|---|---|
| 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 Party | Relationship | Description | Shared Revenue | Amount |
|---|---|---|---|---|
| William Malseed | Secretary/treasurer | WILLIAM MALSEED'S DAUGHTER RACHEL MALSEED WAS EMPLOYED BY IDS DURING 2021 AS A CUSTOMER SUPPORT REPRESENTATIVE. | No | $32,334 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Deferred Compensation | $785,714 |
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 35% controlled entity
- No
- 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 2022.”
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.”
FORM 990, PART VII, SECTION B AND PART IX, LINE 24A AND 24B:
“A portion of amounts paid for public awareness in 2021 have been allocated to educational services and materials due to educational content received and counseling services provided that resulted from amounts expended.”
Filing and Contact Details
Filer
- Filer Name
- Incharge Debt Solutions
- EIN
- 33-0770440
- Phone
- 4072917770
- Address
- 5750 MAJOR BLVD 300, ORLANDO, FL 32819
Signing Officer
- Name
- Etta W Money
- Title
- President & CEO
- Phone
- 4072917770
- Signed
- 2022-09-15
- 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
- 99
- Volunteers
- 8
Preparer
- Firm
- Jm&m
- Address
- 10500 LITTLE PATUXENT PARKWAY SUITE, 770, COLUMBIA, MD 21044
- Phone
- 4108840220
Supplemental Narrative
Additional Explanations
Form 990, Part III, Line 3
“The organization ceased its student loan counseling program service in 2021.”
FORM 990, PART XI, LINE 9:
“Software project writeoff -825,539.”
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.”
PART XI, LINE 2D - OTHER ADJUSTMENTS:
“Software project writeoff -825,539.”
Raw XML AppendixShowing 400 of 770 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/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 878264 |
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| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 49798 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | INCHARGE DEBT SOLUTIONS (IDS) PROVIDES CREDIT, BANKRUPTCY, AND HOUSING 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, AND OTHER FINANCIAL LITERACY ACTIVITIES FOR THE BENEFIT OF THE GENERAL PUBLIC. |
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| IRS990/AllOtherExpensesGrp/FundraisingAmt | 0 | 95 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 4610 |
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| IRS990/Desc | 0 | CREDIT COUNSELING AND EDUCATION - THIS PROGRAM ASSISTS CONSUMERS IN MANAGING THEIR PERSONAL FINANCES THROUGH THE PROVISION OF SOLUTIONS-BASED CREDIT COUNSELING, BUDGET PLANNING AND FINANCIAL EDUCATIONAL MATERIALS. SOLUTIONS-BASED COUNSELING IS DESIGNED TO FIND THE RIGHT SOLUTION FOR EACH DEBT DISTRESSED CONSUMER. OVER 30,000 FINANCIALLY DISTRESSED INDIVIDUALS RECEIVED CREDIT COUNSELING, AND FINANCIAL EDUCATIONAL MATERIALS DURING 2021. 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. |
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| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 30464 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 14425 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 23270 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 22972 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 22909 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 7629 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 22252 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 13694 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 13618 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 17 | 7793 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | PATRICIA WEXLER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | CAREY TARBELL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JEFF TASSEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | JAMES HARRIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JAKE DAVIDOW |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | BHAVESH VADHANI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | ROBERT RUIZ |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | KRISTEN SOLES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | ETTA W MONEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | WILLIAM MALSEED |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | SORAIA DEARAUJO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | KAREN CARLSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | SALLY ERICKSEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | ROBERT DARROCH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | SHAWN WALSH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | AHMED MOYEEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 16 | BILLY SEXTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 17 | SHERANA BAKHSH |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 417910 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 269520 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 233172 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 116855 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 150097 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 155994 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 127771 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 110008 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 108754 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 17 | 109105 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | BOARD CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | PRESIDENT & CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | SECRETARY/TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | V.P. OF OPERATIONS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | SR. DIR. OF EDUC/DIG MKT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | SR. DIR. OF IT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | SENIOR SOFTWARE ENGINEER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | SR. DIR. OF BUSINESS DEV. |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | SR. SOFTWARE ENGINEER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | NETWORK ADMINISTRATOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | BUS. SYS. ANALYST/QA LEAD |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1997 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | -12286 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 8 |
| IRS990/GovernmentGrantsAmt | 0 | 1523367 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 3162170 |
| IRS990/GrossReceiptsAmt | 0 | 21533694 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 8 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 5 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/FundraisingAmt | 0 | 159 |
| IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt | 0 | 7765 |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 63323 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 71247 |
| IRS990/InsuranceGrp/FundraisingAmt | 0 | 27 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 1302 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 10618 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 11947 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 45390 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 45390 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 203494 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 909783 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 4722891 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 6464911 |
| IRS990/IRPDocumentCnt | 0 | 13 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 8640127 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1381944 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 611958 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 9252085 |
| IRS990/LegalDomicileStateCd | 0 | NV |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 3174456 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LobbyingActivitiesInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 0 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | INCHARGE DEBT SOLUTIONS HELPS CONSUMERS ACHIEVE FINANCIAL BALANCE AND MOVE CLOSER TO THEIR DREAMS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 5919667 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 8987366 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | -12286 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -12286 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -84764 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | 5919667 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | 8087366 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/FundraisingAmt | 0 | 298 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 14553 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 118649 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 133500 |
| IRS990/OfficeExpensesGrp/FundraisingAmt | 0 | 24 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 1197 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 9768 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 10989 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 857574 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1012968 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -825539 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 1170 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 56785 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 464621 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 522576 |
| IRS990/OtherExpensesGrp/Desc | 0 | EDUC. SERV. & MATERIALS |
| IRS990/OtherExpensesGrp/Desc | 1 | PUBLIC AWARENESS |
| IRS990/OtherExpensesGrp/Desc | 2 | DUES AND SUBSCRIPTIONS |
| IRS990/OtherExpensesGrp/Desc | 3 | TRAINING AND DEVELOPMEN |
| IRS990/OtherExpensesGrp/FundraisingAmt | 0 | 5379 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 1 | 161 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 2 | 104 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 7853 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 5055 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 2142368 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 1639233 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 64021 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 41225 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 2147747 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 1639233 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 72035 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 46384 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 635412 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 785714 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER MISC. INCOME |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 729 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 729 |
| IRS990/OtherRevenueTotalAmt | 0 | 729 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 7250 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 354179 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 2887714 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 3249143 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/FundraisingAmt | 0 | 1954 |
| IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt | 0 | 489723 |
| IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt | 0 | 3981221 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 4472898 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 697 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 34034 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 277506 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 312237 |
| IRS990/PensionPlanContributionsGrp/FundraisingAmt | 0 | 326 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 16217 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 130801 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 147344 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 103438 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 61582 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 226623 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 58073 |
| IRS990/PrincipalOfficerNm | 0 | ETTA W MONEY |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 900099 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | CLIENT PROCESSING FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | HOUSING COUNSELING FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | BANKRUPTCY COUNSEL. & DEBTOR ED. |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | CREDIT REPORT COUNSELING |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 9149835 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 991068 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 152922 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 21561 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 9149835 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 991068 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 152922 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 21561 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | DEBT MANAGEMENT - IDS OFFERS DEBT MANAGEMENT PROGRAMS TO ASSIST CONSUMERS IN PAYING OFF THEIR UNSECURED DEBTS AND TO BETTER MANAGE THEIR FINANCIAL OBLIGATIONS IN THE FUTURE. IDS PROCESSES DEBT PAYMENTS, ATTEMPTS TO SECURE A REDUCTION IN INTEREST RATES, AND ATTEMPTS TO ESTABLISH AFFORDABLE MONTHLY PAYMENTS ON THE CLIENTS' BEHALF. CLIENTS ARE PROVIDED INITIAL AND CONTINUING EDUCATIONAL ASSISTANCE THROUGH FINANCIAL EDUCATIONAL MATERIALS AND GUIDANCE IN FINANCIAL MATTERS AS DETERMINED BY THEIR NEEDS. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 3728380 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 9149835 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | BANKRUPTCY COUNSELING AND DEBTOR EDUCATION - BANKRUPTCY LEGISLATION ENACTED BY CONGRESS IN 2005 REQUIRES INDIVIDUALS FILING FOR BANKRUPTCY TO COMPLETE A BANKRUPTCY CREDIT COUNSELING SESSION PRIOR TO FILING, AND AN INSTRUCTIONAL COURSE IN PERSONAL FINANCIAL MANAGEMENT (DEBTOR EDUCATION) PRIOR TO RECEIVING A BANKRUPTCY DISCHARGE. TO OFFER CONVENIENT, ON-DEMAND ACCESS TO THIS REQUIRED CONTENT, IDS PROVIDES INTERACTIVE WEB-BASED AND TELEPHONIC BANKRUPTCY CREDIT COUNSELING AND WEB-BASED DEBTOR EDUCATION PROGRAMS. BOTH PROGRAMS ISSUE CERTIFICATES TO INDIVIDUALS WHO COMPLETE EACH PROGRAM AS REQUIRED BY THE TITLE 11 BANKRUPTCY CODE. DURING 2021, APPROXIMATELY 7,900 CERTIFICATES WERE ISSUED TO BANKRUPTCY PETITIONERS EVIDENCING THEIR SUCCESSFUL COMPLETION OF THE BANKRUPTCY CREDIT COUNSELING SESSION AND THE PERSONAL FINANCIAL MANAGEMENT COURSE. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 805173 |
| IRS990/ProgSrvcAccomActy3Grp/RevenueAmt | 0 | 152922 |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | HOUSING COUNSELING AND EDUCATION - IDS IS A LOCAL U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT ("HUD") APPROVED AGENCY IN THE STATE OF FLORIDA AND A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING ("NFCC"), WHICH ENABLES IDS TO SERVE CONSUMERS ON A NATIONWIDE BASIS. HOUSING COUNSELING SERVICES INCLUDE FORECLOSURE PREVENTION AND MORTGAGE DELINQUENCY COUNSELING, HOMEBUYER EDUCATION, AND PRE-PURCHASE HOMEBUYER COUNSELING. FORECLOSURE PREVENTION AND MORTGAGE DELINQUENCY COUNSELING IS DESIGNED TO PROVIDE EXISTING BORROWERS WITH INFORMATION AND ASSISTANCE NEEDED TO AVOID FORECLOSURE. PROGRAM HIGHLIGHTS INCLUDE BUDGET PLANNING, EVALUATION OF ELIGIBILITY FOR LOAN MODIFICATION, ASSESSMENT OF ABILITY TO SUSTAIN 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 2021, APPROXIMATELY 8,700 HOUSING COUNSELING SESSIONS WERE CONDUCTED. |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 1 | FINANCIAL LITERACY OUTREACH - IDS, IN CONJUNCTION WITH ITS SUPPORTING ORGANIZATION, INCHARGE EDUCATION FOUNDATION, CONDUCTS NUMEROUS FINANCIAL LITERACY WORKSHOPS, AND HOME BUYER EDUCATION CLASSES FOR THE GENERAL PUBLIC. THE GOAL OF EACH OUTREACH EVENT IS TO IMPROVE THE FINANCIAL CAPABILITIES OF ATTENDEES BY PROVIDING RELEVANT INFORMATION AND TOOLS CONCERNING PERSONAL FINANCE, MONEY MANAGEMENT, THE RESPONSIBLE USE OF CREDIT, AND THE HOME BUYING PROCESS. |
| IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt | 0 | 380938 |
| IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt | 0 | 991068 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2021 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $11,087,223
- Liabilities
- $2,099,857
- Net assets
- $8,987,366
- Revenue
- $18,359,238
- Expenses
- $14,381,236
- Net income
- $3,978,002