Civic Intelligence

Financial Protection Law Center

EIN 56-2262315 • 501(c)3 • Wilmington, NC

Profile

To provide legal services and support to protect low-income people and families from predatory financial practices, to preserve home ownership and to enhance their ability to build equity and prosper.

PO Box 390Wilmington, NC 28402

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

84th percentile

0.24x

Higher debt load relative to assets than 84% of similar nonprofits.

NTEE I • <$500k nonprofits • Source year 2025

Liabilities / Revenue

89th percentile

0.22x

Higher debt load relative to revenue than 89% of similar nonprofits.

NTEE I • <$500k nonprofits • Source year 2025

Net Margin

49th percentile

4.8%

Higher net margin than 49% of similar nonprofits.

NTEE I • <$500k nonprofits • Source year 2025

Top Officer Pay

99th percentile

$122,639

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 31.0% of source-year revenue.

NTEE I • <$500k nonprofits • Source year 2025

Asset Growth

67th percentile

12%

Faster asset growth than 67% of similar nonprofits.

NTEE I • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

74th percentile

31%

Faster revenue growth than 74% of similar nonprofits.

NTEE I • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets84th percentile

Assets

Up

$353,024

Up $39,058 (+12%) from 2024

Liabilities

Up

$85,167

Up $20,114 (+31%) from 2024

Net Assets

Up

$267,857

Up $18,944 (+7.6%) from 2024

Operations
Liabilities / Revenue89th percentileNet Margin49th percentile

Revenue

Up

$395,847

Up $94,128 (+31%) from 2024

Expenses

Up

$376,903

Up $50,397 (+15%) from 2024

Net Income

Up

$18,944

Up $43,731 (+176%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth67th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$2.0M$1.5M$1.0M$500K$0Assets 2010: $450,595Liabilities 2010: $156,821Net Assets 2010: $293,7742010Assets 2011: $1,422,340Liabilities 2011: $129,661Net Assets 2011: $1,292,6792011Assets 2012: $1,642,698Liabilities 2012: $109,180Net Assets 2012: $1,533,5182012Assets 2013: $1,618,957Liabilities 2013: $87,179Net Assets 2013: $1,531,7782013Assets 2014: $1,436,248Liabilities 2014: $97,050Net Assets 2014: $1,339,1982014Assets 2015: $1,151,497Liabilities 2015: $103,700Net Assets 2015: $1,047,7972015Assets 2016: $907,144Liabilities 2016: $101,299Net Assets 2016: $805,8452016Assets 2017: $718,558Liabilities 2017: $104,781Net Assets 2017: $613,7772017Assets 2018: $563,858Liabilities 2018: $86,665Net Assets 2018: $477,1932018Assets 2019: $458,845Liabilities 2019: $86,298Net Assets 2019: $372,5472019Assets 2020: $366,340Liabilities 2020: $109,172Net Assets 2020: $257,1682020Assets 2021: $314,837Liabilities 2021: $9,171Net Assets 2021: $305,6662021Assets 2022: $294,015Liabilities 2022: $85,093Net Assets 2022: $208,9222022Assets 2023: $276,292Liabilities 2023: $2,592Net Assets 2023: $273,7002023Assets 2024: $313,966Liabilities 2024: $65,053Net Assets 2024: $248,9132024Assets 2025: $353,024Liabilities 2025: $85,167Net Assets 2025: $267,8572025

Highlighted filing

2025

Assets$353,024
Liabilities$85,167
Net Assets$267,857
Open 2025 Filing

Operations Trend

Revenue Growth74th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $587,1862010Expenses 2011: $488,5512011Expenses 2012: $545,4672012Revenue 2013: $542,329Expenses 2013: $544,069Net Income 2013: -$1,7402013Revenue 2014: $382,020Expenses 2014: $576,318Net Income 2014: -$194,2982014Revenue 2015: $284,207Expenses 2015: $575,775Net Income 2015: -$291,5682015Revenue 2016: $347,917Expenses 2016: $589,869Net Income 2016: -$241,9522016Revenue 2017: $407,715Expenses 2017: $599,783Net Income 2017: -$192,0682017Revenue 2018: $446,154Expenses 2018: $582,738Net Income 2018: -$136,5842018Revenue 2019: $439,997Expenses 2019: $494,643Net Income 2019: -$54,6462019Revenue 2020: $389,601Expenses 2020: $504,980Net Income 2020: -$115,3792020Revenue 2021: $309,574Expenses 2021: $347,206Net Income 2021: -$37,6322021Revenue 2022: $233,442Expenses 2022: $330,186Net Income 2022: -$96,7442022Revenue 2023: $370,385Expenses 2023: $305,607Net Income 2023: $64,7782023Revenue 2024: $301,719Expenses 2024: $326,506Net Income 2024: -$24,7872024Revenue 2025: $395,847Expenses 2025: $376,903Net Income 2025: $18,9442025

Highlighted filing

2025

Revenue$395,847
Expenses$376,903
Net Income$18,944
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$353,024
Liabilities
$85,167
Net assets
$267,857
Revenue
$395,847
Expenses
$376,903
Net income
$18,944
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.35$0.09$0.27$0.40$0.38$0.02
2024Detailed filing. Detailed filing data is available for this year.$0.31$0.07$0.25$0.30$0.33$0.02
2023Detailed filing. Detailed filing data is available for this year.$0.28$0.00$0.27$0.37$0.31$0.06
2022Detailed filing. Detailed filing data is available for this year.$0.29$0.09$0.21$0.23$0.33$0.10
2021Detailed filing. Detailed filing data is available for this year.$0.31$0.01$0.31$0.31$0.35$0.04
2020Detailed filing. Detailed filing data is available for this year.$0.37$0.11$0.26$0.39$0.50$0.12
2019Detailed filing. Detailed filing data is available for this year.$0.46$0.09$0.37$0.44$0.49$0.05
2018Detailed filing. Detailed filing data is available for this year.$0.56$0.09$0.48$0.45$0.58$0.14
2017Detailed filing. Detailed filing data is available for this year.$0.72$0.10$0.61$0.41$0.60$0.19
2016Detailed filing. Detailed filing data is available for this year.$0.91$0.10$0.81$0.35$0.59$0.24
2015Detailed filing. Detailed filing data is available for this year.$1.15$0.10$1.05$0.28$0.58$0.29
2014Detailed filing. Detailed filing data is available for this year.$1.44$0.10$1.34$0.38$0.58$0.19
2013Detailed filing. Detailed filing data is available for this year.$1.62$0.09$1.53$0.54$0.54$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.64$0.11$1.53$0.55
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.42$0.13$1.29$0.49
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.45$0.16$0.29$0.59
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 16, 2026
Return Version
2025v4.0
Gross Receipts
$395,847
Mission and Program Overview

Mission

To provide legal services and support to protect low-income people and families from predatory financial practices, to preserve home ownership and to enhance their ability to build equity and prosper.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$300,197$345,130▲ $44,933
Land, Buildings, and Equipment, Net$10,747$7,165▼ $3,582
Cash and Non-Interest-Bearing Accounts$3,022$729▼ $2,293
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$313,966$353,024▲ $39,058
Other Assets Total-$0-
Liabilities
Deferred Revenue$64,853$84,952▲ $20,099
Escrow Account Liability$200$215▲ $15
Total Liabilities$65,053$85,167▲ $20,114
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$248,913$267,857▲ $18,944
Total Net Assets Fund Balance$248,913$267,857▲ $18,944
Total Liabilities and Net Assets / Fund Balance$313,966$353,024▲ $39,058

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$7,165$10,747$17,912
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Maria McIntyrePresidentFT$110,824$11,815$122,639
April CheersSec./TreasurerFT$91,166$13,165$104,331

Board Members and Trustees

NameTitle
Andre C BrownDirector
Anne J RandallDirector
Auley M Lee Crouch IIIDirector
Charles A Bentley JrDirector
Richard P CookDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$382,492
Program Service Revenue
$0
Investment Income
$7,955
Other Revenue
$5,400
All Other Contributions
$168,600
Change in Net Assets
$18,944
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$280,265
Other Expenses$96,638
Total Fundraising Expense$20,981
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$236,038$26,226-$262,264
Fees for Services Other$2,342$3,220$20,981$26,543
Payroll Taxes$16,200$1,801-$18,001
Occupancy$14,711$1,635-$16,346
Information Technology$6,819$758-$7,577
Fees for Services Accounting-$5,355-$5,355
Insurance$4,644$516-$5,160
Depreciation Depletion$3,223$358-$3,581
Travel$3,490$10-$3,500
Other Expenses$1,044$2,900-$1,044
Total Functional Expenses$313,143$42,779$20,981$376,903
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

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
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 president and secretary review the 990 with the CPA who prepared it. The remaining members of the board are notified that the 990 is available for their review upon request.”

Form 990, Part VI, Section B, Line 12C

“Board members and key employees are reminded at board meetings of their duty to immediately disclose any conflicts of interest and recuse themselves from the discussion and any votes on the matter in question.”

Form 990, Part VI, Section B, Line 15A

“Compensation decisions are brought to the full board and only independent, unpaid members of the board have the authority to determine wage rates.”

Form 990, Part VI, Section B, Line 15B

“See above.”

Form 990, Part VI, Section C, Line 19

“IRS Form 990 is available from Guidestar.org and upon request. Other organizational documents are available from the organization upon request.”

Filing and Contact Details

Filer

Filer Name
Financial Protection Law Center
EIN
56-2262315
Phone
9104421010
Address
PO Box 390, Wilmington, NC 28402

Signing Officer

Name
Maria McIntyre
Title
President
Signed
2026-03-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Maria McIntyre
Formed
2001
Legal Domicile
Nc
Voting Board Members
5
Independent Board Members
5
Employees
5
Volunteers
5

Preparer

Firm
Bearmancpa Pllc
Address
124 Cavalier Dr, WILMINGTON, NC 28403
Preparer
Nigel Bearman
Phone
9105080630
Supplemental Narrative

Additional Explanations

Attorney Fees Sought & Recovered by Case

“In 2025, there were no fees from Chapter 13 bankruptcy cases.”

Cases litigated serving the public interest

“There was no litigation in 2025.”

Financial Statement Notes

Part IV, Line 2B: Explanation of escrow account liability

“Interest on Lawyers Trust Account (IOLTA) funds held for client. Liability is offset by asset on balance sheet.”

Raw XML AppendixShowing 400 of 446 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0To provide legal services and support to protect low-income people and families from predatory financial practices, to preserve home ownership and to enhance their ability to build equity and prosper.
IRS990/AdvertisingGrp/TotalAmt00
IRS990/AllOtherContributionsAmt0168600
IRS990/AllOtherExpensesGrp/TotalAmt00
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0April Cheers
IRS990/BooksInCareOfDetail/PhoneNum09104421010
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 390
IRS990/BooksInCareOfDetail/USAddress/CityNm0Wilmington
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NC
IRS990/BooksInCareOfDetail/USAddress/ZIPCd028402
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt03022
IRS990/CashNonInterestBearingGrp/EOYAmt0729
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt026226
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0236038
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0262264
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0382492
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt07955
IRS990/CYOtherExpensesAmt096638
IRS990/CYOtherRevenueAmt05400
IRS990/CYProgramServiceRevenueAmt00
IRS990/CYRevenuesLessExpensesAmt018944
IRS990/CYSalariesCompEmpBnftPaidAmt0280265
IRS990/CYTotalExpensesAmt0376903
IRS990/CYTotalFundraisingExpenseAmt020981
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0395847
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DeferredRevenueGrp/BOYAmt064853
IRS990/DeferredRevenueGrp/EOYAmt084952
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt0358
IRS990/DepreciationDepletionGrp/ProgramServicesAmt03223
IRS990/DepreciationDepletionGrp/TotalAmt03581
IRS990/Desc0The Center investigated approximately 150 inquiries and managed 34 on-going cases based in matters related to mortgage servicing problems or errors, loss mitigation, defense to foreclosure or debt collection/asset protection, and bankruptcy. Staff also presented information and resource materials to homeowners and community groups on property tax relief programs available to homeowners. Staff provided direct assistance to homeowners to assess eligibility and assisted eligible homeowners in applying.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountLiabilityGrp/BOYAmt0200
IRS990/EscrowAccountLiabilityGrp/EOYAmt0215
IRS990/ExpenseAmt0313143
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt05355
IRS990/FeesForServicesAccountingGrp/TotalAmt05355
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/FundraisingAmt020981
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt03220
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt02342
IRS990/FeesForServicesOtherGrp/TotalAmt026543
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282FiledCnt00
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt011815
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt113165
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0Maria McIntyre
IRS990/Form990PartVIISectionAGrp/PersonNm1April Cheers
IRS990/Form990PartVIISectionAGrp/PersonNm2Charles A Bentley Jr
IRS990/Form990PartVIISectionAGrp/PersonNm3Richard P Cook
IRS990/Form990PartVIISectionAGrp/PersonNm4Andre C Brown
IRS990/Form990PartVIISectionAGrp/PersonNm5Auley M Lee Crouch III
IRS990/Form990PartVIISectionAGrp/PersonNm6Anne J Randall
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0110824
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt191166
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0President
IRS990/Form990PartVIISectionAGrp/TitleTxt1Sec./Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr02001
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GovernmentGrantsAmt0213892
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0395847
IRS990/GrossRentsGrp/RealAmt05400
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt0758
IRS990/InformationTechnologyGrp/ProgramServicesAmt06819
IRS990/InformationTechnologyGrp/TotalAmt07577
IRS990/InsuranceGrp/ManagementAndGeneralAmt0516
IRS990/InsuranceGrp/ProgramServicesAmt04644
IRS990/InsuranceGrp/TotalAmt05160
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt07955
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt07955
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt02
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt010747
IRS990/LandBldgEquipBasisNetGrp/BOYAmt010747
IRS990/LandBldgEquipBasisNetGrp/EOYAmt07165
IRS990/LandBldgEquipCostOrOtherBssAmt017912
IRS990/LegalDomicileStateCd0NC
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To provide legal services and support to protect low-income people and families from predatory financial practices, to preserve home ownership and to enhance their ability to build equity and prosper.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0248913
IRS990/NetAssetsOrFundBalancesEOYAmt0267857
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt05400
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt05400
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0248913
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0267857
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt01635
IRS990/OccupancyGrp/ProgramServicesAmt014711
IRS990/OccupancyGrp/TotalAmt016346
IRS990/OfficeExpensesGrp/TotalAmt00
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Dues & Subscriptions
IRS990/OtherExpensesGrp/Desc1General Operations
IRS990/OtherExpensesGrp/Desc2Litigation
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt02900
IRS990/OtherExpensesGrp/ProgramServicesAmt021766
IRS990/OtherExpensesGrp/ProgramServicesAmt12866
IRS990/OtherExpensesGrp/ProgramServicesAmt21044
IRS990/OtherExpensesGrp/TotalAmt021766
IRS990/OtherExpensesGrp/TotalAmt15766
IRS990/OtherExpensesGrp/TotalAmt21044
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt00
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt01801
IRS990/PayrollTaxesGrp/ProgramServicesAmt016200
IRS990/PayrollTaxesGrp/TotalAmt018001
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Maria McIntyre
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Attorney's Fees
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0288103
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt07466
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt093187
IRS990/PYOtherRevenueAmt03150
IRS990/PYProgramServiceRevenueAmt03000
IRS990/PYRevenuesLessExpensesAmt0-24787
IRS990/PYSalariesCompEmpBnftPaidAmt0233319
IRS990/PYTotalExpensesAmt0326506
IRS990/PYTotalRevenueAmt0301719
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt018944
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt05400
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0300197
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0345130
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0382492
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0288103
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0361178
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0221922
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0295911
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01549606
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt07955
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt07466
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt04507
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt01425
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt01465
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt022818
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt05400
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt06150
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt04700
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt010095
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt012198
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt038543
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt07955
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt07466
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt04507
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt01425
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt01465
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt022818
IRS990ScheduleA/InvestmentIncomeCYPct00.01420
IRS990ScheduleA/InvestmentIncomePYPct00.01140
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.98580
IRS990ScheduleA/PublicSupportPY509Pct00.98860
IRS990ScheduleA/PublicSupportTotal509Amt01588149
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0387892
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0294253
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0365878
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0232017
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0308109
IRS990ScheduleA/Total509Grp/TotalAmt01588149
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0395847
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0301719
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0370385
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0233442
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0309574
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt01610967
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt07165
IRS990ScheduleD/EquipmentGrp/DepreciationAmt010747
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt017912
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Interest on Lawyers Trust Account (IOLTA) funds held for client. Liability is offset by asset on balance sheet.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part IV, Line 2b: Explanation of escrow account liability
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07165
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The president and secretary review the 990 with the CPA who prepared it. The remaining members of the board are notified that the 990 is available for their review upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board members and key employees are reminded at board meetings of their duty to immediately disclose any conflicts of interest and recuse themselves from the discussion and any votes on the matter in question.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Compensation decisions are brought to the full board and only independent, unpaid members of the board have the authority to determine wage rates.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3See above.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4IRS Form 990 is available from Guidestar.org and upon request. Other organizational documents are available from the organization upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5In 2025, there were no fees from Chapter 13 bankruptcy cases.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6There was no litigation in 2025.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Attorney Fees Sought & Recovered by Case
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Cases litigated serving the public interest
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0NC
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0313966
IRS990/TotalAssetsEOYAmt0353024
IRS990/TotalAssetsGrp/BOYAmt0313966
IRS990/TotalAssetsGrp/EOYAmt0353024
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0382492
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt020981
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt042779
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0313143
IRS990/TotalFunctionalExpensesGrp/TotalAmt0376903
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt065053
IRS990/TotalLiabilitiesEOYAmt085167
IRS990/TotalLiabilitiesGrp/BOYAmt065053
IRS990/TotalLiabilitiesGrp/EOYAmt085167
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0248913
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0267857
IRS990/TotalOtherCompensationAmt024980
IRS990/TotalProgramServiceExpensesAmt0313143
IRS990/TotalProgramServiceRevenueAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.