Liabilities / Assets
14th percentile
Higher debt load relative to assets than 14% of similar nonprofits.
990 • Fiscal year 2013 • EIN 56-2106758
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
14th percentile
Higher debt load relative to assets than 14% of similar nonprofits.
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
91st percentile
Faster asset growth than 91% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Assets
Up$33,541,823
Up $5,555,318 (+20%) from 2012
Net Assets
Up$30,680,412
Up $5,856,423 (+24%) from 2012
Liabilities
Down$2,861,411
Down $301,105 (-9.5%) from 2012
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$14,993,282
Down $6,023,197 (-29%) from 2012
Net Income
-
No earlier filing loaded for comparison.
Consumer education services, inc ("cesi") is a non-profit service provider of comprehensive personal financial education and solutions for all life stages and for all life's milestones our goal is enhanced economic security for everyone we serve.
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/AccountantCompileOrReview | 0 | 0 |
| IRS990/AccountsPayableAccruedExpenses/BOY | 0 | 433647 |
| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 376207 |
| IRS990/AccountsReceivable/BOY | 0 | 1813 |
| IRS990/AccountsReceivable/EOY | 0 | 1626 |
| IRS990/ActivitiesConductedPartnership | 0 | 0 |
| IRS990/Activity2/Description | 0 | COMMUNITY EDUCATION OUTREACH - CESI SUPPORTS THE ADVANCEMENT OF FINANCIAL LITERACY EDUCATION WITHIN LOCAL AND STATE COMMUNITIES THROUGH A STRONG COMMUNITY OUTREACH PROGRAM. OUTREACH EFFORTS INCLUDE GROUP EDUCATION PROGRAMS, USUALLY IN PARTNERSHIP WITH LOCAL COMMUNITY AGENCIES OR EDUCATIONAL INSTITUTIONS. THE SECOND PART OF THE CESI OUTREACH PROGRAM EFFORT IS IN THE FORM OF FREE INDIVIDUAL FINANCIAL COUNSELING AT THE CESI CENTER WITH AN ACCREDITED CESI COUNSELOR.CESI OFFERS NUMEROUS FINANCIAL EDUCATIONAL RESOURCES, WHICH ARE EASILY ACCESSED BY ALL CONSUMERS AND NOT JUST CESI CUSTOMERS. THESE RESOURCES ARE DESIGNED TO HELP CONSUMERS BETTER MANAGE THEIR FINANCES AND TO ACHIEVE THE GOAL OF BECOMING DEBT FREE. IN ADDITION, CONSUMERS MAY PARTICIPATE IN CESI'S FREE ONLINE COURSES THROUGH CESI DEBT SOLUTIONS UNIVERSITY, WHICH PROVIDES A COMPREHENSIVE FINANCIAL LITERACY CURRICULUM THAT OFFERS SELF-PACED INSTRUCTIONAL SESSIONS. THIS PROGRAM ASSISTS CONSUMERS WITH THE NECESSARY SKILLS TO IMPROVE THEIR FINANCIAL MANAGEMENT PRACTICES THAT INCLUDE DEBT MANAGEMENT, MINIMIZING CREDIT CARD SPENDING AND DEVELOPING A BUDGET. CESI ALSO OFFERS A VARIETY OF EDUCATIONAL RESOURCES THAT INCLUDE PERSONAL FINANCIAL CALCULATORS, A BI-MONTHLY E-NEWSLETTER, EDUCATIONAL BLOGS AND ON-LINE COMMUNITY MESSAGE BOARDS, AS WELL AS VARIOUS E-LEARNING RESOURCES SUCH AS VIDEO WEBCASTS. |
| IRS990/Activity2/Expense | 0 | 628355 |
| IRS990/Activity2/Revenue | 0 | 369762 |
| IRS990/Activity3/Description | 0 | CLIENT PAYMENT PROCESSING - THIS PROGRAM PROVIDES SERVICES TO ITS DEBT MANAGEMENT PARTICIPANTS WITH RESPECT TO PROCESSING PAYMENTS, WORKING WITH CREDITORS TO SECURE A REDUCTION IN INTEREST RATES, AND EDUCATING AND TRAINING CLIENTS TO BETTER MANAGE THEIR FINANCES. THE CLIENT PAYMENT PROCESSING IS OUTSOURCED TO A THIRD-PARTY SERVICE PROVIDER WITH CESI'S FINAL APPROVAL. |
| IRS990/Activity3/Expense | 0 | 7512500 |
| IRS990/ActivityOrMissionDescription | 0 | CONSUMER EDUCATION SERVICES, INC. ("CESI") IS A NON-PROFIT SERVICE PROVIDER OF COMPREHENSIVE PERSONAL FINANCIAL EDUCATION AND SOLUTIONS FOR ALL LIFE STAGES AND FOR ALL OF LIFE'S MILESTONES. OUR GOAL IS ENHANCED ECONOMIC SECURITY FOR EVERYONE WE SERVE. |
| IRS990/ActivityOther/Description | 0 | MEMBER BENEFITS SERVICES - THIS PROGRAM OFFERS VARIOUS BENEFIT SERVICES TO ITS CLIENTS PARTICIPATING IN THE DEBT MANAGEMENT PROGRAM. SUCH BENEFITS INCLUDE REBATES ON EVERYDAY PURCHASES (E.G., GROCERIES, CLOTHING, ETC.), A DISCOUNT SAVERS CLUB BOOKLET, VISION CARE DISCOUNTS ON EYE EXAMS AND EYE SURGERIES, DISCOUNTS ON PRESCRIPTION MEDICINE, ONLINE COUPONS FOR RESTAURANTS, HOTEL RESERVATIONS, AND TRAVEL, AND AN ARRAY OF OTHER DISCOUNT SERVICES. AS OF JUNE 5, 2011, CESI CEASED OFFERING MEMBER BENEFITS SERVICES TO NEW CLIENTS; HOWEVER, CESI CONTINUES TO PROVIDE MEMBER BENEFITS SERVICES TO CLIENTS WHO WERE ALREADY ENROLLED AT THIS DATE. |
| IRS990/ActivityOther/Expense | 0 | 817204 |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 3700 BARRETT DRIVE |
| IRS990/AddressPrincipalOfficerUS/City | 0 | RALEIGH |
| IRS990/AddressPrincipalOfficerUS/State | 0 | NC |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 27609 |
| IRS990/Advertising/ProgramServices | 0 | 737035 |
| IRS990/Advertising/Total | 0 | 737035 |
| IRS990/AllOtherContributions | 0 | 5000680 |
| IRS990/AllOtherExpenses/ManagementAndGeneral | 0 | 4698 |
| IRS990/AllOtherExpenses/ProgramServices | 0 | 352433 |
| IRS990/AllOtherExpenses/Total | 0 | 357131 |
| IRS990/AnnualDisclosureCoveredPersons | 0 | 1 |
| IRS990/AuditCommittee | 0 | 1 |
| IRS990/BenefitsPaidToMembersCY | 0 | 0 |
| IRS990/BenefitsPaidToMembersPriorYear | 0 | 0 |
| IRS990/BsnssRltnshpThruFamilyMember | 0 | 0 |
| IRS990/BsnssRltnshpWithOrganization | 0 | 0 |
| IRS990/CashNonInterestBearing/BOY | 0 | 9917884 |
| IRS990/CashNonInterestBearing/EOY | 0 | 5330421 |
| IRS990/ChangesToOrganizingDocs | 0 | 0 |
| IRS990/CollectionsOfArt | 0 | 0 |
| IRS990/CompCurrentOfficersDirectors/ManagementAndGeneral | 0 | 50897 |
| IRS990/CompCurrentOfficersDirectors/ProgramServices | 0 | 288413 |
| IRS990/CompCurrentOfficersDirectors/Total | 0 | 339310 |
| IRS990/CompensationFromOtherSources | 0 | 0 |
| IRS990/CompensationProcessCEO | 0 | 1 |
| IRS990/CompensationProcessOther | 0 | 1 |
| IRS990/ComplianceWithBackupWitholding | 0 | 1 |
| IRS990/ConferencesMeetings/ProgramServices | 0 | 42734 |
| IRS990/ConferencesMeetings/Total | 0 | 42734 |
| IRS990/ConflictOfInterestPolicy | 0 | 1 |
| IRS990/ConservationEasements | 0 | 0 |
| IRS990/ConsolidatedAuditFinancialStmt | 0 | 0 |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine1 | 0 | 9755 PATUXENT WOODS DR STE 100 |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine1 | 1 | 1275 PENNSYLVANIA AVE |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine1 | 2 | 401 S TRYON STREET |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine1 | 3 | PO BOX 39000 |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine1 | 4 | 9900 WEST SAMPLE ROAD STE 200 |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City | 0 | COLUMBIA |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City | 1 | WASHINGTON |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City | 2 | CHARLOTTE |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City | 3 | SAN FRANCISCO |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City | 4 | CORAL SPRINGS |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State | 0 | MD |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State | 1 | DC |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State | 2 | NC |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State | 3 | CA |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State | 4 | FL |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode | 0 | 21046 |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode | 1 | 20004 |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode | 2 | 28202 |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode | 3 | 94139 |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode | 4 | 33065 |
| IRS990/ContractorCompensation/Compensation | 0 | 6639319 |
| IRS990/ContractorCompensation/Compensation | 1 | 813300 |
| IRS990/ContractorCompensation/Compensation | 2 | 285033 |
| IRS990/ContractorCompensation/Compensation | 3 | 217296 |
| IRS990/ContractorCompensation/Compensation | 4 | 181208 |
| IRS990/ContractorCompensation/DescriptionOfServices | 0 | BACK OFFICE DEBT MANAGEMENT PROCESSING |
| IRS990/ContractorCompensation/DescriptionOfServices | 1 | LEGAL |
| IRS990/ContractorCompensation/DescriptionOfServices | 2 | LEGAL |
| IRS990/ContractorCompensation/DescriptionOfServices | 3 | MARKETING |
| IRS990/ContractorCompensation/DescriptionOfServices | 4 | SOFTWARE |
| IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine1 | 0 | AMERIX CORPORATION |
| IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine1 | 1 | SUTHERLAND ASBILL & BRENNAN LLP |
| IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine1 | 2 | PARKER POE |
| IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine1 | 3 | |
| IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine1 | 4 | ICCO |
| IRS990/ContributionsGrantsCurrentYear | 0 | 5000680 |
| IRS990/ContributionsGrantsPriorYear | 0 | 6106233 |
| IRS990/CreditCounseling | 0 | 0 |
| IRS990/DecisionsSubjectToApproval | 0 | 0 |
| IRS990/DeductibleContributionsOfArt | 0 | 0 |
| IRS990/DeductibleNonCashContributions | 0 | 0 |
| IRS990/DelegationOfManagementDuties | 0 | 0 |
| IRS990/DepreciationDepletion/ManagementAndGeneral | 0 | 36208 |
| IRS990/DepreciationDepletion/ProgramServices | 0 | 205175 |
| IRS990/DepreciationDepletion/Total | 0 | 241383 |
| IRS990/DescribedIn501C3 | 0 | 1 |
| IRS990/Description | 0 | CREDIT COUNSELING AND EDUCATION - THIS PROGRAM ASSISTS CLIENTS IN MANAGING THEIR PERSONAL FINANCES THROUGH THE PROVISION OF DEBT MANAGEMENT SERVICES, CREDIT COUNSELING, EDUCATION AND TRAINING, AND BUDGET PLANNING. CESI OFFERS ASSISTANCE OVER THE PHONE, ONLINE, AND IN PERSON. CERTIFIED CREDIT COUNSELORS DISCUSS VARIOUS OPTIONS WITH CLIENTS REGARDING FINANCIAL DECISIONS. THEY ASSESS INDIVIDUALS' PERSONAL FINANCIAL SITUATIONS AND ASSIST THEM IN DEVELOPING A BUDGET IN ORDER TO IMPROVE THEIR OVERALL CREDIT. DURING THE FISCAL YEAR ENDING JUNE 30, 2013, APPROXIMATELY 40,000 FINANCIALLY DISTRESSED INDIVIDUALS RECEIVED CREDIT COUNSELING AND FREE EDUCATIONAL RESOURCE MATERIALS.CESI ALSO OFFERS A WIDE VARIETY OF HOUSING COUNSELING SERVICES TO POTENTIAL HOMEBUYERS AND CURRENT HOMEOWNERS. THESE SERVICES INCLUDE EDUCATION THROUGH GROUP SESSIONS AND ONE-ON-ONE COUNSELING. THE AREAS OF FOCUS ARE PRE-PURCHASE EDUCATION AND COUNSELING, LOSS MITIGATION COUNSELING, FORECLOSURE PREVENTION COUNSELING, AND REVERSE MORTGAGE COUNSELING. |
| IRS990/DisregardedEntity | 0 | 0 |
| IRS990/DocumentRetentionPolicy | 0 | 1 |
| IRS990/DonorAdvisedFunds | 0 | 0 |
| IRS990/ElectionOfBoardMembers | 0 | 0 |
| IRS990/EmploymentTaxReturnsFiled | 0 | 1 |
| IRS990/EscrowAccountLiability/BOY | 0 | 2637730 |
| IRS990/EscrowAccountLiability/EOY | 0 | 2321665 |
| IRS990/ExcessBenefitTransaction | 0 | 0 |
| IRS990/Expense | 0 | 4950960 |
| IRS990/FamilyOrBusinessRelationship | 0 | 0 |
| IRS990/FederalGrantAuditRequired | 0 | 0 |
| IRS990/FeesForServicesAccounting/ManagementAndGeneral | 0 | 48668 |
| IRS990/FeesForServicesAccounting/Total | 0 | 48668 |
| IRS990/FeesForServicesLegal/ManagementAndGeneral | 0 | 108691 |
| IRS990/FeesForServicesLegal/ProgramServices | 0 | 615974 |
| IRS990/FeesForServicesLegal/Total | 0 | 724665 |
| IRS990/FeesForServicesOther/ManagementAndGeneral | 0 | 50353 |
| IRS990/FeesForServicesOther/ProgramServices | 0 | 285330 |
| IRS990/FeesForServicesOther/Total | 0 | 335683 |
| IRS990/FollowSFAS117 | 0 | X |
| IRS990/ForeignActivities | 0 | 0 |
| IRS990/ForeignFinancialAccount | 0 | 0 |
| IRS990/ForeignOffice | 0 | 0 |
| IRS990/Form8282PropertyDisposedOf | 0 | 0 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 0 | 15.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 1 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 2 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 3 | 5.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 4 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 5 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 6 | 40.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 7 | 40.00 |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 0 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 1 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 2 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 3 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 4 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 5 | X |
| IRS990/Form990PartVIISectionA/NamePerson | 0 | ROBERT J FITZGERALD |
| IRS990/Form990PartVIISectionA/NamePerson | 1 | DR JAMES WANG |
| IRS990/Form990PartVIISectionA/NamePerson | 2 | DR FRED MANGUM |
| IRS990/Form990PartVIISectionA/NamePerson | 3 | AMY BLACKWELL |
| IRS990/Form990PartVIISectionA/NamePerson | 4 | MONICA SMILEY |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | DR EDWARD ERICKSON |
| IRS990/Form990PartVIISectionA/NamePerson | 6 | DR DIANE CHEN |
| IRS990/Form990PartVIISectionA/NamePerson | 7 | STEVE COLE |
| IRS990/Form990PartVIISectionA/Officer | 0 | X |
| IRS990/Form990PartVIISectionA/Officer | 1 | X |
| IRS990/Form990PartVIISectionA/Officer | 2 | X |
| IRS990/Form990PartVIISectionA/OtherCompensation | 0 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 1 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 2 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 3 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 4 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 5 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 6 | 48059 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 7 | 10716 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 6 | 196208 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 7 | 84330 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 7 | 0 |
| IRS990/Form990PartVIISectionA/Title | 0 | CHAIRMAN |
| IRS990/Form990PartVIISectionA/Title | 1 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 2 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 6 | CEO/SECRETARY OF BOARD |
| IRS990/Form990PartVIISectionA/Title | 7 | TREASURER |
| IRS990/Form990ProvidedToGoverningBody | 0 | 0 |
| IRS990/Form990-TFiled | 0 | 1 |
| IRS990/FormersListed | 0 | 0 |
| IRS990/FSAudited | 0 | 1 |
| IRS990/FSAuditedBasis/FinancialStatementSeparate | 0 | X |
| IRS990/FundraisingActivities | 0 | 0 |
| IRS990/FundsToPayPremiums | 0 | 0 |
| IRS990/GainOrLoss/Securities | 0 | 386896 |
| IRS990/Gaming | 0 | 0 |
| IRS990/GrantsAndSimilarAmntsCY | 0 | 0 |
| IRS990/GrantsAndSimilarAmntsPriorYear | 0 | 0 |
| IRS990/GrantsToIndividuals | 0 | 0 |
| IRS990/GrantsToOrganizations | 0 | 0 |
| IRS990/GrantToRelatedPerson | 0 | 0 |
| IRS990/GrossAmountSalesAssets/Securities | 0 | 9413469 |
| IRS990/GrossReceipts | 0 | 29616046 |
| IRS990/GroupReturnForAffiliates | 0 | 0 |
| IRS990/Hospital | 0 | 0 |
| IRS990/IndependentAuditFinancialStmt | 0 | 1 |
| IRS990/IndoorTanningServices | 0 | 0 |
| IRS990/InfoInScheduleOPartIII | 0 | X |
| IRS990/InfoInScheduleOPartVI | 0 | X |
| IRS990/InfoInScheduleOPartXI | 0 | X |
| IRS990/InfoInScheduleOPartXII | 0 | X |
| IRS990/InformationTechnology/ManagementAndGeneral | 0 | 27520 |
| IRS990/InformationTechnology/ProgramServices | 0 | 155949 |
| IRS990/InformationTechnology/Total | 0 | 183469 |
| IRS990/Insurance/ManagementAndGeneral | 0 | 9113 |
| IRS990/Insurance/ProgramServices | 0 | 51638 |
| IRS990/Insurance/Total | 0 | 60751 |
| IRS990/InvestmentIncomeCurrentYear | 0 | 658807 |
| IRS990/InvestmentIncome/ExclusionAmount | 0 | 271911 |
| IRS990/InvestmentIncomePriorYear | 0 | 100434 |
| IRS990/InvestmentIncome/TotalRevenueColumn | 0 | 271911 |
| IRS990/InvestmentInJointVenture | 0 | 0 |
| IRS990/InvestmentsPubTradedSecurities/BOY | 0 | 10405441 |
| IRS990/InvestmentsPubTradedSecurities/EOY | 0 | 20545413 |
| IRS990/LandBldgEquipmentAccumDeprec | 0 | 1004276 |
| IRS990/LandBuildingsEquipmentBasis | 0 | 2864674 |
| IRS990/LandBuildingsEquipmentBasisNet/BOY | 0 | 1798228 |
| IRS990/LandBuildingsEquipmentBasisNet/EOY | 0 | 1860398 |
| IRS990/LessCostOthBasisSalesExpenses/Securities | 0 | 9026573 |
| IRS990/LoanToOfficerOrDQP | 0 | 0 |
| IRS990/LobbyingActivities | 0 | 0 |
| IRS990/LocalChapters | 0 | 0 |
| IRS990/MaterialDiversionOrMisuse | 0 | 0 |
| IRS990/MembersOrStockholders | 0 | 0 |
| IRS990/MethodOfAccountingAccrual | 0 | X |
| IRS990/MinutesOfCommittees | 0 | 1 |
| IRS990/MinutesOfGoverningBody | 0 | 1 |
| IRS990/MissionDescription | 0 | CONSUMER EDUCATION SERVICES, INC. ("CESI") IS A NON-PROFIT SERVICE PROVIDER OF COMPREHENSIVE PERSONAL FINANCIAL EDUCATION AND SOLUTIONS FOR ALL LIFE STAGES AND FOR ALL OF LIFE'S MILESTONES. OUR GOAL IS ENHANCED ECONOMIC SECURITY FOR EVERYONE WE SERVE. |
| IRS990/MoreThan5000KToIndividuals | 0 | 0 |
| IRS990/MoreThan5000KToOrganizations | 0 | 0 |
| IRS990/NameOfPrincipalOfficerPerson | 0 | DIANE CHEN |
| IRS990/NbrIndependentVotingMembers | 0 | 6 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 6 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 6 |
| IRS990/NetAssetsOrFundBalancesBOY | 0 | 24823989 |
| IRS990/NetAssetsOrFundBalancesEOY | 0 | 30680412 |
| IRS990/NetGainOrLossInvestments/ExclusionAmount | 0 | 386896 |
| IRS990/NetGainOrLossInvestments/TotalRevenueColumn | 0 | 386896 |
| IRS990/NetUnrelatedBusinessTxblIncome | 0 | 255624 |
| IRS990/NonDeductibleContributions | 0 | 0 |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 16 |
| IRS990/NumberIndependentVotingMembers | 0 | 6 |
| IRS990/NumberIndividualsGT100K | 0 | 1 |
| IRS990/NumberOfContractorsGT100K | 0 | 10 |
| IRS990/NumberOfEmployees | 0 | 109 |
| IRS990/NumberW2GIncluded | 0 | 0 |
| IRS990/Occupancy/ManagementAndGeneral | 0 | 22500 |
| IRS990/Occupancy/ProgramServices | 0 | 127500 |
| IRS990/Occupancy/Total | 0 | 150000 |
| IRS990/OfficeExpenses/ManagementAndGeneral | 0 | 74434 |
| IRS990/OfficeExpenses/ProgramServices | 0 | 713307 |
| IRS990/OfficeExpenses/Total | 0 | 787741 |
| IRS990/OfficerEntityWithBsnssRltnshp | 0 | 0 |
| IRS990/OfficerMailingAddress | 0 | 0 |
| IRS990/Organization501c3 | 0 | X |
| IRS990/OtherAssetsTotal/BOY | 0 | 1119176 |
| IRS990/OtherAssetsTotal/EOY | 0 | 1220240 |
| IRS990/OtherEmployeeBenefits/ManagementAndGeneral | 0 | 40719 |
| IRS990/OtherEmployeeBenefits/ProgramServices | 0 | 230742 |
| IRS990/OtherEmployeeBenefits/Total | 0 | 271461 |
| IRS990/OtherExpensePriorYear | 0 | 16812410 |
| IRS990/OtherExpensesCurrentYear | 0 | 11040370 |
| IRS990/OtherExpenses/Description | 0 | INCOME TAXES |
| IRS990/OtherExpenses/Description | 1 | PROCESSING FEES |
| IRS990/OtherExpenses/Description | 2 | CLIENT DISCOUNT BENEFIT |
| IRS990/OtherExpenses/Description | 3 | COMMUNITY OUTREACH |
| IRS990/OtherExpenses/ManagementAndGeneral | 0 | 102030 |
| IRS990/OtherExpenses/ProgramServices | 0 | 77748 |
| IRS990/OtherExpenses/ProgramServices | 1 | 5802614 |
| IRS990/OtherExpenses/ProgramServices | 2 | 739456 |
| IRS990/OtherExpenses/ProgramServices | 3 | 578168 |
| IRS990/OtherExpenses/Total | 0 | 77748 |
| IRS990/OtherExpenses/Total | 1 | 5802614 |
| IRS990/OtherExpenses/Total | 2 | 739456 |
| IRS990/OtherExpenses/Total | 3 | 680198 |
| IRS990/OtherLiabilities/BOY | 0 | 91139 |
| IRS990/OtherLiabilities/EOY | 0 | 163539 |
| IRS990/OtherNotesLoansReceivableNet/BOY | 0 | 1550000 |
| IRS990/OtherNotesLoansReceivableNet/EOY | 0 | 1550000 |
| IRS990/OtherRevenueCurrentYear | 0 | 0 |
| IRS990/OtherRevenuePriorYear | 0 | 0 |
| IRS990/OtherSalariesAndWages/ManagementAndGeneral | 0 | 439329 |
| IRS990/OtherSalariesAndWages/ProgramServices | 0 | 2489527 |
| IRS990/OtherSalariesAndWages/Total | 0 | 2928856 |
| IRS990/PartialLiquidation | 0 | 0 |
| IRS990/PayrollTaxes/ManagementAndGeneral | 0 | 45484 |
| IRS990/PayrollTaxes/ProgramServices | 0 | 257741 |
| IRS990/PayrollTaxes/Total | 0 | 303225 |
| IRS990/PensionPlanContributions/ManagementAndGeneral | 0 | 16509 |
| IRS990/PensionPlanContributions/ProgramServices | 0 | 93551 |
| IRS990/PensionPlanContributions/Total | 0 | 110060 |
| IRS990/PoliticalActivities | 0 | 0 |
| IRS990/PremiumsPaid | 0 | 0 |
| IRS990/PrepaidExpensesDeferredCharges/BOY | 0 | 49344 |
| IRS990/PrepaidExpensesDeferredCharges/EOY | 0 | 66347 |
| IRS990/PriorExcessBenefitTransaction | 0 | 0 |
| IRS990/ProfessionalFundraising | 0 | 0 |
| IRS990/ProgramServiceRevenue/BusinessCode | 0 | 900099 |
| IRS990/ProgramServiceRevenue/BusinessCode | 1 | 812900 |
| IRS990/ProgramServiceRevenue/BusinessCode | 2 | 812900 |
| IRS990/ProgramServiceRevenueCY | 0 | 14929986 |
| IRS990/ProgramServiceRevenue/Description | 0 | DEBT MANAGEMENT PROGRAM |
| IRS990/ProgramServiceRevenue/Description | 1 | MEMBER BENEFIT SERVICES |
| IRS990/ProgramServiceRevenue/Description | 2 | HOUSING SERVICES |
| IRS990/ProgramServiceRevenuePriorYear | 0 | 21837455 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 13564144 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 1 | 369762 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 0 | 13564144 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 1 | 996080 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 2 | 369762 |
| IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue | 0 | 996080 |
| IRS990/ProhibitedTaxShelterTrans | 0 | 0 |
| IRS990/QuidProQuoContributions | 0 | 0 |
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| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 0 | CESI OFFERS DEBT MANAGEMENT PROGRAMS TO ASSIST CLIENTS IN PAYING THEIR UNSECURED DEBTS. FUNDS RECEIVED FROM CLIENTS PARTICIPATING IN THE DEBT MANAGEMENT PROGRAM ARE DEPOSITED INTO VARIOUS DEPOSITORY ACCOUNTS. FUNDS ARE THEN TRANSFERRED FROM THE DEPOSITORY ACCOUNTS INTO A SEPARATE FOR THE BENEFIT OF OTHERS ACCOUNT (THE "FBO ACCOUNT") ON A DAILY BASIS. FUNDS RESIDING IN THE FBO ACCOUNTS ARE DISBURSED TO CREDITORS AND PORTIONS OF THE FUNDS ARE DISBURSED TO CESI'S OPERATING ACCOUNT AS CONTRIBUTIONS MADE TO CESI BY CREDITORS AND/OR CLIENTS. CERTAIN STATES REQUIRE THAT CLIENT FUNDS BE HELD IN A DEPOSITORY ACCOUNT WITHIN THAT STATE UNTIL THE RESPECTIVE CLIENT'S CREDITORS ARE PAID. IN THIS SITUATION CREDITORS ARE PAID FROM MONIES FROM THIS STATE'S DEPOSITORY ACCOUNT. INTEREST INCOME EARNED ON FUNDS HELD IN THE VARIOUS RESTRICTED CASH ACCOUNTS IS USED TO PAY FOR BANK FEES AND OTHER EXPENSES. CESI IS RESPONSIBLE FOR ANY EXCESS EXPENSES ARISING FROM THE ACTIVITIES OF THESE ACCOUNTS. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 1 | SUBSEQUENT TO THE ISSUANCE OF THE AUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED JUNE 30, 2013, CESI AND THE INTERNAL REVENUE SERVICE ENTERED INTO A CLOSING AGREEMENT IN WHICH A SETTLEMENT ARRANGEMENT WAS REACHED BETWEEN THE TWO PARTIES. AS A RESULT, CESI RETAINS ITS 501(C)(3) TAX-EXEMPT STATUS, AND THE INITIAL UNCERTAIN TAX POSITION WAS RESOLVED. NO FURTHER ACTION DEEMED NECESSARY. THE FOLLOWING TAX POSITION WAS TAKEN FROM THE JUNE 30, 2013, YEAR-END AUDITED FINANCIAL STATEMENTS: OVER THE PAST SEVERAL YEARS, THE INTERNAL REVENUE SERVICE ("IRS") HAS ENGAGED IN AUDITING A LARGE NUMBER OF TAX-EXEMPT ORGANIZATIONS THAT PROVIDE CREDIT COUNSELING AND DEBT MANAGEMENT SERVICES TO THE PUBLIC TO DETERMINE IF THEY, IN FACT, QUALIFY FOR TAX-EXEMPT STATUS. IN 2004, CESI WAS ONE OF THE ORGANIZATIONS SELECTED TO BE EXAMINED. AS A RESULT OF THE IRS' EXAMINATION, THE EXAMINING REVENUE AGENT PROPOSED THAT CESI'S TAX-EXEMPT STATUS UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE (THE "IRC") BE REVOKED RETROACTIVELY. CESI'S WRITTEN PROTEST CONTESTING THE PROPOSED REVOCATION WAS SUBMITTED ON NOVEMBER 3, 2005. AS OF AUGUST 21, 2013, THE IRS HAD NOT ISSUED A FINAL DETERMINATION REVOKING ITS PRIOR RECOGNITION OF CESI'S TAX-EXEMPT STATUS. THEREFORE, CESI CONTINUES TO BE RECOGNIZED BY THE IRS AS AN ORGANIZATION EXEMPT FROM FEDERAL INCOME TAX UNDER SECTION 501(C)(3) AND AS A PUBLIC CHARITY UNDER THE IRC SECTION 509(A)(2). CESI IS ALSO REQUIRED TO CONTINUE FILING THE ANNUAL FORM 990 WITH THE IRS. CESI'S LEGAL COUNSEL IS CURRENTLY IN ACTIVE SETTLEMENT DISCUSSIONS WITH THE IRS, UNDER WHICH THE IRS WOULD CONTINUE TO RECOGNIZE CESI AS A TAX-EXEMPT ORGANIZATION FOR ALL PERIODS SINCE THE EFFECTIVE DATE OF THE INITIAL DETERMINATION LETTER ISSUED BY THE IRS ON JANUARY 14, 1999. IF A SETTLEMENT IS REACHED, THEN IT IS POSSIBLE THAT A SETTLEMENT PAYMENT COULD BE REQUIRED TO BE MADE BY CESI IN ORDER TO RESOLVE THE MATTER. IF A SETTLEMENT AGREEMENT IS NOT REACHED, AND A FINAL REVOCATION OF TAX-EXEMPT STATUS WERE TO OCCUR, THEN IT COULD RESULT IN FEDERAL AND STATE INCOME TAX LIABILITIES THAT WOULD BE DUE FROM CESI. HOWEVER, MANAGEMENT BELIEVES THAT THERE IS SUBSTANTIAL UNCERTAINTY REGARDING THE AMOUNT OF ANY POTENTIAL LIABILITIES (INCLUDING TO WHAT EXTENT), AND CONSEQUENTLY, IS AT THIS TIME UNABLE TO MAKE A RELIABLE ESTIMATE OF WHAT THE TOTAL POTENTIAL LIABILITIES MIGHT BE. FINANCIAL ACCOUNTING STANDARDS REQUIRE THE RESERVATION FOR A CONTINGENT LIABILITY ONLY IN CIRCUMSTANCES WHERE THE LIABILITY APPEARS TO BE PROBABLE. ACCORDINGLY, NO CONTINGENT LIABILITY RESERVE HAS BEEN ESTABLISHED FOR ANY POTENTIAL INCOME TAX LIABILITIES THAT MIGHT RESULT IF CESI'S TAX-EXEMPT STATUS IS ULTIMATELY REVOKED. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier | 0 | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: |
| IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference | 0 | PART IV, LINE 2B: |
| IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference | 1 | PART X, LINE 2: |
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| IRS990ScheduleD/OtherLiabilities/Description | 0 | NONQUALIFIED RETIREMENT PLAN LIABILITY |
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Displayed year
2013 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.