Liabilities / Assets
65th percentile
Higher debt load relative to assets than 65% of similar nonprofits.
Consumer Credit of Des Moines
EIN 42-1301505 • 501(c)3 • Des Moines, IA
Profile
Assist and educate clients in developing plans to repay & reduce excessive personal indebtedness.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.18x
Liabilities / Revenue
73rd percentile
Higher debt load relative to revenue than 73% of similar nonprofits.
Net Margin
62nd percentile
Higher net margin than 62% of similar nonprofits.
Top Officer Pay
80th percentile
Higher top officer pay than 80% of similar nonprofits.
Top officer pay equals 9.5% of source-year revenue.
Asset Growth
64th percentile
Faster asset growth than 64% of similar nonprofits.
Revenue Growth
76th percentile
Faster revenue growth than 76% of similar nonprofits.
Balance Sheet
Assets
Up$2,340,899
Up $193,300 (+9.0%) from 2023
Liabilities
Down$415,872
Down $6,361 (-1.5%) from 2023
Net Assets
Up$1,925,027
Up $199,661 (+12%) from 2023
Revenue
Up$1,462,736
Up $364,470 (+33%) from 2023
Expenses
Up$1,300,327
Up $1,795 (+0.1%) from 2023
Net Income
Up$162,409
Up $362,675 (+181%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $2,340,899
- Liabilities
- $415,872
- Net assets
- $1,925,027
- Revenue
- $1,462,736
- Expenses
- $1,300,327
- Net income
- $162,409
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- May 9, 2025
- Return Version
- 2024v5.1
- Gross Receipts
- $1,462,736
Mission and Program Overview
Mission
Assist and educate clients in developing plans to repay & reduce excessive personal indebtedness.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Cash and Non-Interest-Bearing Accounts | $1,486,666 | $1,720,438 | ▲ $233,772 |
| Investments in Publicly Traded Securities | $159,460 | $196,712 | ▲ $37,252 |
| Savings and Temporary Cash Investments | $80,762 | $175,811 | ▲ $95,049 |
| Accounts Receivable | $109,564 | $35,300 | ▼ $74,264 |
| Prepaid Expenses and Deferred Charges | $22,018 | $18,365 | ▼ $3,653 |
| Land, Buildings, and Equipment, Net | $13,618 | $9,453 | ▼ $4,165 |
| Total Assets | $2,147,599 | $2,340,899 | ▲ $193,300 |
| Other Assets Total | $275,511 | $184,820 | ▼ $90,691 |
| Liabilities | |||
| Other Liabilities | $274,838 | $184,147 | ▼ $90,691 |
| Escrow Account Liability | $80,762 | $175,811 | ▲ $95,049 |
| Accounts Payable and Accrued Expenses | $66,633 | $55,914 | ▼ $10,719 |
| Total Liabilities | $422,233 | $415,872 | ▼ $6,361 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $1,725,366 | $1,925,027 | ▲ $199,661 |
| Total Net Assets Fund Balance | $1,725,366 | $1,925,027 | ▲ $199,661 |
| Total Liabilities and Net Assets / Fund Balance | $2,147,599 | $2,340,899 | ▲ $193,300 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Leasehold Improvements | $7,173 | $258,584 | $265,757 |
| Equipment | $2,280 | $25,498 | $27,778 |
| Other Assets Org | $184,820 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Thomas Coates | President | FT | $109,360 | $29,458 | $138,818 |
| Katie Ochanpaugh | Treasurer | PT | $67,541 | $20,291 | $87,832 |
| Lee Ann Coates | Secretary | PT | $18,487 | - | $18,487 |
| Richard Piatt | Director | - | $3,949 | - | $3,949 |
Board Members and Trustees
| Name | Title |
|---|---|
| David Shelledy | Chairman |
| Linda Jacob | Director |
| Mark Kirkland | Director |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $155,541
- Program Service Revenue
- $1,266,167
- Investment Income
- $41,028
- Other Revenue
- $0
- All Other Contributions
- $155,541
- Change in Net Assets
- $162,409
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $1,462,736
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $37,252
- Total Revenue per Audited Statements
- $1,499,988
- Total Revenue per Form 990
- $1,462,736
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $773,048 |
| Other Expenses | $527,279 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $253,499 | $165,785 | - | $419,284 |
| Current Officers, Directors, Trustees, and Key Employees | $150,597 | $98,489 | - | $249,086 |
| Occupancy | $64,598 | $64,598 | - | $129,196 |
| Office Expenses | $84,473 | $9,989 | - | $94,462 |
| Advertising | $70,185 | $3,694 | - | $73,879 |
| Other Employee Benefits | $28,887 | $18,892 | - | $47,779 |
| Payroll Taxes | $28,089 | $18,369 | - | $46,458 |
| Information Technology | $40,190 | $4,466 | - | $44,656 |
| Insurance | $26,049 | $2,894 | - | $28,943 |
| All Other Expenses | $6,497 | $22,173 | - | $28,670 |
| Fees for Services Accounting | - | $22,900 | - | $22,900 |
| Other Expenses | $12,444 | $1,383 | - | $13,827 |
| Pension Plan Contributions | $6,313 | $4,128 | - | $10,441 |
| Travel | $4,648 | $4,648 | - | $9,296 |
| Fees for Services Other | - | $6,125 | - | $6,125 |
| Depreciation Depletion | $2,083 | $2,082 | - | $4,165 |
| Fees for Services Legal | - | $828 | - | $828 |
| Total Functional Expenses | $845,297 | $455,030 | $0 | $1,300,327 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $1,300,327 |
| Total Expenses per Audited Statements | $1,300,327 |
| Total Expenses per Form 990 | $1,300,327 |
| 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 |
|---|---|---|---|---|
| - | THOMAS COATES (PRESIDENT) IS A 50% OWNER IN FINANCIAL MANAGERS, LC | FINANCIAL MANAGEMENT, LC IS A PARTNERSHIP OWNED 50% BY THOMAS COATES AND 50% BY CARL AND NANCY COATES. THE PARTNERSHIP OWNS REAL ESTATE A 6129 SW 63RD STREET, DES MOINES, IA AND LEASES IT TO CONSUMER CREDIT OF DES MOINES FOR USE AS ITS CORPORATE OFFICE. THE RENTAL AMOUNT ITS FIXED AND NOT BASED UPON SHARING OF THE ORGANIZATION'S REVENUES. | No | $75,240 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Lease Liability | $184,147 |
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
- No
- Business relationship with organization members
- Yes
- Material changes to governing documents
- No
- Compensation from other sources disclosed
- No
- CEO compensation reviewed
- Yes
- Other officer compensation reviewed
- No
- 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 2
“Lee ann coates (secretary) is the spouse of thomas coates (president) katie ochanpaugh (treasurer) is daughter or thomas coates (president) katie ochanpaugh (treasurer) is daughter of lee ann coates (secretary)”
Form 990, Part VI, Section A, Line 8B
“The organization has not formed committees with authority to act on behalf of the governing body.”
Form 990, Part VI, Section B, Line 11B
“All members of the board are provided a copy for approval before it is filed.”
Form 990, Part VI, Section B, Line 12C
“The organization adopted its written conflict of interest policy on june 6, 2006. The policy requires that each director and principal officer annually affirm that they have received a copy of the policy, have read and understand the policy, have complied with the policy, and understand that the organization is charitable, and in order to maintain its federal tax exemption under the internal revenue code 501(c)(3) it must engage primarily in activities which accomplish one or more of its tax-exempt purposes.”
Form 990, Part VI, Section B, Line 15A
“The compensation of the organization's president was established after revieweing form 990 of other organizations, compensation surveys and is approved by the organization's governing body.”
Form 990, Part VI, Section C, Line 19
“The organization's articles of incorporation are a matter of public record and can be downloaded, along with various other filings, from the iowa secretary of state. The organization does not make its bylaws, conflict of interest policy or audited financial statements available to the general public, nor is it required to do so under the revised iowa nonprofit corporation act, iowa code chapter 504.”
FORM 990, PART VI, SECTION B, LINE 11B:
“The organization's form 990 is emailed to each member of the organization's governing body for their review and comment prior to its submission to the internal revenue service.”
Filing and Contact Details
Filer
- Filer Name
- Consumer Credit of Des Moines
- EIN
- 42-1301505
- Phone
- 5152876428
- Address
- 6129 SW 63RD STREET, DES MOINES, IA 50321
Signing Officer
- Name
- Thomas Coates
- Title
- President
- Phone
- 5152876428
- Signed
- 2025-05-09
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Thomas Coates
- Formed
- 1987
- Legal Domicile
- Ia
- Voting Board Members
- 7
- Independent Board Members
- 4
- Employees
- 16
- Volunteers
- 0
Preparer
- Firm
- Denman CPA Llp
- Address
- 1601 22ND STREET SUITE 400, WEST DES MOINES, IA 50266-1453
- Preparer
- Steve Bruner
- Phone
- 5152258400
Supplemental Narrative
Additional Explanations
Part XII, Line 2C
“The process for the selection and oversight of the independent accountant has not changed from the previous year.”
FORM 990, PART III, LINE 4B, PROGRAM SERVICE ACCOMPLISHMENTS:
“Individuals participating in the united states trustees' program. The organization is an approved provider of a personal financial management course, having received its initial approval as such from the u.s. Department of justice, executive office for united states trustees in 2011. In 2021, the organization facilitated post-bankruptcy debtor education courses, in certain cases the organization waived fees due to the clients limited resources or financial hardship.”
FORM 990, PART III, LINE 4C, PROGRAM SERVICE ACCOMPLISHMENTS:
“Responsibility. The organization tracks the number of "hits" the website library receives.”
Financial Statement Notes
PART IV, LINE 2B:
“Trust funds payable are comprised of amounts received from clients and held in bank depository accounts which are subsequently transferred to their creditors according to their debt management service program.”
PART X, LINE 2:
“The organization is exempt from federal income taxes under section 501(c)(3) of the internal revenue code and does not pay income tax on exempt-purpose income. Accounting principles generally accepted in the united states of america require management to evaluate tax positions taken by the organization and recognize a tax liability (or asset) for an uncertain position that more likely than not would not be sustained upon examination by the internal revenue service. Management has evaluated their material tax positions and determined there are no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosures in the financial statements. The organization is subject to routine audits by tax authorities; however, there are currently no audits for any tax periods in progress. Management believes the organization is no longer subject to income tax examinations for years ended prior to 2021.”
Raw XML AppendixShowing 400 of 513 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/Desc | 0 | THE ORGANIZATION PROVIDES ASSISTANCE TO CONSUMERS SEEKING CREDIT COUNSELING, BUDGET AND FINANCIAL ADVICE, AND OFFERS A DEBT MANAGEMENT PROGRAM WHERE APPROPRIATE. THE ORGANIZATION FOLLOWS THE REQUIRED CRITERIA FOR EXEMPTION UNDER INTERNAL REVENUE CODE SECTION 501(Q). DURING 2024, THE ORGANIZATION PROVIDED FREE BUDGET AND CREDIT COUNSELING TO OVER TWO THOUSAND INDIVIDUALS AND FAMILIES WITH APPROXIMATELY 839 ELECTING TO ENTER INTO A DEBT MANAGEMENT PLAN AGREEMENT WITH THE ORGANIZATION. DURING 2024, 358 INDIVIDUALS SUCCESSFULLY COMPLETED THEIR DEBT MANAGEMENT PLANS ADMINISTERED BY THE ORGANIZATION, PAYING OFF ALL THEIR UNSECURED DEBTS IN FULL. |
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| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 284082 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 13618 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 9453 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 293535 |
| IRS990/LegalDomicileStateCd | 0 | IA |
| 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 | 0 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | ASSIST AND EDUCATE CLIENTS IN DEVELOPING PLANS TO REPAY & REDUCE EXCESSIVE PERSONAL INDEBTEDNESS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1725366 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1925027 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 37252 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | 1725366 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | 1925027 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 64598 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 64598 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 129196 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 9989 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 84473 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 94462 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 275511 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 184820 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 18892 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 28887 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 47779 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOCATOR SERVICE FEES |
| IRS990/OtherExpensesGrp/Desc | 1 | EQUIPMENT EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 2 | LICENSES AND PERMITS |
| IRS990/OtherExpensesGrp/Desc | 3 | EMPLOYEE EDUCATION |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 1983 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 1604 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 1383 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 34462 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 17843 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 14440 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 12444 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 34462 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 19826 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 16044 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 13827 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 274838 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 184147 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 165785 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 253499 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 419284 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 18369 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 28089 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 46458 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 4128 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 6313 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 10441 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 22018 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 18365 |
| IRS990/PrincipalOfficerNm | 0 | THOMAS COATES |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 541990 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 541990 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 541990 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | CLIENT FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FAIR SHARE |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | US TRUSTEES OFFICE |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 876994 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 386059 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 3114 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 876994 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 386059 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 3114 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | THE ORGANIZATION PROVIDES PRE-BANKRUPTCY COUNSELING TO INDIVIDUAL PARTICIPATING IN THE UNITED STATES TRUSTEE'S PROGRAM.THE ORGANIZATION IS AN APPROVED NONPROFIT BUDGET AND CREDIT COUNSELING AGENCY, HAVING RECEIVED ITS INITIAL APPROVAL AS SUCH FROM THE U.S. DEPARTMENT OF JUSTICE, EXECUTIVE OFFICE FOR UNITED STATES TRUSTEES, IN 2006. IN 2024, THE ORGANIZATION CONDUCTED 136 PRE-BANKRUPTCY COUNSELING SESSIONS, AND THE ORGANIZATION WAIVED OR REDUCED THE ALLOWABLE STATUTORY FEES FOR PRE-BANKRUPTCY COUNSELING IN 40% OF ALL CASES DUE TO CLIENT'S LIMITED RESOURCES OR FINANCIAL HARDSHIP.THE ORGANIZATION ALSO PROVIDES POST-BANKRUPTCY DEBTOR EDUCATION. |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 3114 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | THE ORGANIZATION PRESENTS FREE EDUCATIONAL SEMINARS CONCERNING CREDIT COUNSELING, BUDGETING AND FINANCIAL PLANNING TO THE GENERAL PUBLIC THROUGHOUT THE YEAR.THE ORGANIZATION CONTINUED ITS LONG HISTORY OF PROVIDING FREE EDUCATION PROGRAMS TO THE GENERAL PUBLIC DURING 2024. THE ORGANIZATION CONDUCTED IN-PERSON PRESENTATIONS ON VARIOUS CONSUMER CREDIT, BUDGETING AND PERSONAL FINANCE SUBJECTS TO NUMEROUS GROUPS.IN ADDITION, THE ORGANIZATION MAINTAINS A VAST ELECTRONIC EDUCATION LIBRARY ON ITS WEBSITE, WHERE INDIVIDUALS CAN ACCESS INFORMATIONAL MATERIALS COVERING TOPICS ADDRESSING PERSONAL FINANCE AND FINANCIAL LITERACY. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 60000 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 50680 |
| IRS990/PYExcessBenefitTransInd | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 44877 |
| IRS990/PYOtherExpensesAmt | 0 | 468389 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1002709 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -200266 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 830143 |
| IRS990/PYTotalExpensesAmt | 0 | 1298532 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1098266 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 162409 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 1 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 1263053 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 80762 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 175811 |
| IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt | 0 | 155541 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt | 0 | 50680 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 163210 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 282175 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 275611 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt | 0 | 927217 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt | 0 | 41028 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt | 0 | 44877 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 18725 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 8877 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 11761 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt | 0 | 125268 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 1266167 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 1002709 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 941367 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 1091524 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 1334501 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 5636268 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt | 0 | 41028 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt | 0 | 44877 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt | 0 | 18725 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt | 0 | 8877 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt | 0 | 11761 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt | 0 | 125268 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.01870 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.01580 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 0.87910 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 0.87580 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 5879810 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt | 0 | 126146 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt | 0 | 39697 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt | 0 | 125046 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt | 0 | 255675 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt | 0 | 137111 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt | 0 | 683675 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearAmt | 0 | 126146 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus1YearAmt | 0 | 39697 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus2YearsAmt | 0 | 125046 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus3YearsAmt | 0 | 255675 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus4YearsAmt | 0 | 137111 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt | 0 | 683675 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 1421708 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 1053389 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 1104577 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 1373699 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 1610112 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 6563485 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 1462736 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 1098266 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 1123302 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 1382576 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 1621873 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 6688753 |
| IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorNum | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt | 0 | RESTRICTED |
| IRS990/ScheduleBRequiredInd | 0 | 1 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 2280 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 25498 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 27778 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 1300327 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 7173 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 258584 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 265757 |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | 37252 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 184820 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | RIGHT-OF-USE ASSETS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 184147 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | LEASE LIABILITY |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 37252 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 1462736 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | TRUST FUNDS PAYABLE ARE COMPRISED OF AMOUNTS RECEIVED FROM CLIENTS AND HELD IN BANK DEPOSITORY ACCOUNTS WHICH ARE SUBSEQUENTLY TRANSFERRED TO THEIR CREDITORS ACCORDING TO THEIR DEBT MANAGEMENT SERVICE PROGRAM. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | THE ORGANIZATION IS EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE AND DOES NOT PAY INCOME TAX ON EXEMPT-PURPOSE INCOME. ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REQUIRE MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE ORGANIZATION AND RECOGNIZE A TAX LIABILITY (OR ASSET) FOR AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY THE INTERNAL REVENUE SERVICE. MANAGEMENT HAS EVALUATED THEIR MATERIAL TAX POSITIONS AND DETERMINED THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY (OR ASSET) OR DISCLOSURES IN THE FINANCIAL STATEMENTS. THE ORGANIZATION IS SUBJECT TO ROUTINE AUDITS BY TAX AUTHORITIES; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. MANAGEMENT BELIEVES THE ORGANIZATION IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR YEARS ENDED PRIOR TO 2021. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART IV, LINE 2B: |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 9453 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 184820 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 1300327 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 184147 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 1462736 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 1499988 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 1300327 |
| IRS990ScheduleJ/AnyNonFixedPaymentsInd | 0 | 0 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd | 0 | 0 |
| IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd | 0 | 0 |
| IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd | 0 | 0 |
| IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd | 0 | 0 |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990ScheduleJ/Form990OfOtherOrganizationsInd | 0 | X |
| IRS990ScheduleJ/InitialContractExceptionInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SubstantiationRequiredInd | 0 | 1 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/BusinessName/BusinessNameLine1Txt | 0 | FINANCIAL MANAGERS LC |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt | 0 | THOMAS COATES (PRESIDENT) IS A 50% OWNER IN FINANCIAL MANAGERS, LC |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 0 | 0 |
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