Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on the latest valid filing.
Credit Care Counseling Services Inc
EIN 59-3271905 • 501(c)3 • Valrico, FL
Profile
DEBT COUNSELING
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
No value available
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.
Net Margin
82nd percentile
Higher net margin than 82% of similar nonprofits.
Top Officer Pay
81st percentile
Higher top officer pay than 81% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
10th percentile
Faster asset growth than 10% of similar nonprofits.
Revenue Growth
21st percentile
Faster revenue growth than 21% of similar nonprofits.
Balance Sheet
Assets
Down$0
Down $32,110 (-100%) from 2019
Liabilities
-
No earlier filing loaded for comparison.
Net Assets
Down$0
Down $32,110 (-100%) from 2019
Revenue
Down$36,653
Down $28,254 (-44%) from 2019
Expenses
Down$25,062
Down $62,623 (-71%) from 2019
Net Income
Up$11,591
Up $34,369 (+151%) from 2019
Trend Graphs
Filings
Most recent year
2020 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $0
- Liabilities
- -
- Net assets
- $0
- Revenue
- $36,653
- Expenses
- $25,062
- Net income
- $11,591
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2020 to Dec 31, 2020
- Signed
- Mar 10, 2021
- Return Version
- 2020v4.0
- Gross Receipts
- $36,653
Mission and Program Overview
Mission
DEBT COUNSELING
Program Services
| Description | Grants | Expenses |
|---|---|---|
| THE ORGANIZATION PROVIDES DEBT COUNSELING TO CLIENTS. COUNSELING SERVICES INCLUDE RESTRUCTURING OF DEBT AND CREDITOR PAYMENTS TO ENSURE TIMELINESS AND COMPLIANCE WITH RESTRUCTURING AGREEMENTS. THE ORGANIZATION ALSO PROVIDES PREVENTATIVE COUNSELING. | - | $25,062 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| HAROLD STEPHENSON | President | FT | $0 | - | - |
| ROGER NAYLOR | Director | - | $0 | - | - |
| KAREN WOLSTEIN | Vice Preside | - | $0 | - | - |
| KELLEY LOVE | Secretary | - | $0 | - | - |
| CLAIBORNE CHRISTIAN | Treasurer | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Credit Care Counseling Services Inc
- EIN
- 59-3271905
- Phone
- 8132188005
- Address
- 3007 PARTRIDGE POINT TRAIL, VALRICO, FL 33596
Signing Officer
- Name
- Harold Stephenson
- Title
- President
- Phone
- 8138716007
- Signed
- 2021-03-10
Preparer
- Firm
- Michael E Steuer CPA Pa
- Address
- 1000 S BELCHER RD STE 7, LARGO, FL 33771-3316
- Preparer
- Michael E Steuer CPA
- Phone
- 7277979000
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 8
“Ppp loan forgiveness 26,500 total 26,500”
Form 990-ez, Part I, Line 16
“Expenses advertising 87 insurance 955 bank charges 140 internet 995 licenses & permits 777 office supplies 300 telephone 1,305 safe deposit 110 reimbursement 341 client expenses 2,161 total 7,171”
Form 990-ez, Part I, Line 20
“Equity adjustment -43,701”
Form 990-ez, Part II, Line 24
“Prepaid expenses and deferred charges 13,981 0 total 13,981 0”
Form 990-ez, Part II, Line 26
“Line of credit 0 0 loans from officers 0 0 trust accounts 0 0”
Form 990-ez, Part III, Line 28
“The organization provides debt counseling to clients. Counseling services include restructuring of debt and creditor payments to ensure timeliness and compliance with restructuring agreements. The organization also provides preventative counseling.”
Raw XML Appendix151 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 |
|---|---|---|
| CompensationExplanation/CompensationExplanationGrp/PersonNm | 0 | HAROLD STEPHENSON |
| CompensationExplanation/CompensationExplanationGrp/PersonNm | 1 | ROGER NAYLOR |
| CompensationExplanation/CompensationExplanationGrp/PersonNm | 2 | KAREN WOLSTEIN |
| CompensationExplanation/CompensationExplanationGrp/PersonNm | 3 | KELLEY LOVE |
| CompensationExplanation/CompensationExplanationGrp/PersonNm | 4 | CLAIBORNE CHRISTIAN |
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | false |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | HAROLD STEPHENSON |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 8132188005 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3007 PARTRIDGE POINT TRAIL |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | VALRICO |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | FL |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 33596 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 18129 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 11591 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 2401 |
| IRS990EZ/FiledScheduleAInd | 0 | true |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 32110 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 0 |
| IRS990EZ/GrossReceiptsAmt | 0 | 36653 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/LobbyingActivitiesInd | 0 | false |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 32110 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 32110 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 0 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 5795 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 40.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 000.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 000.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 000.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 000.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | HAROLD STEPHENSON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | ROGER NAYLOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | KAREN WOLSTEIN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | KELLEY LOVE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | CLAIBORNE CHRISTIAN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | VICE PRESIDE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | SECRETARY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | TREASURER |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 13981 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | -43701 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 7171 |
| IRS990EZ/OtherRevenueTotalAmt | 0 | 26500 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | DEBT COUNSELING |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 10153 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | THE ORGANIZATION PROVIDES DEBT COUNSELING TO CLIENTS. COUNSELING SERVICES INCLUDE RESTRUCTURING OF DEBT AND CREDITOR PAYMENTS TO ENSURE TIMELINESS AND COMPLIANCE WITH RESTRUCTURING AGREEMENTS. THE ORGANIZATION ALSO PROVIDES PREVENTATIVE COUNSELING. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 25062 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 9695 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | false |
| IRS990EZ/StatesWhereCopyOfReturnIsFldCd | 0 | FL |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 25062 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 25062 |
| IRS990EZ/TotalRevenueAmt | 0 | 36653 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 36653 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 64907 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 122922 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 101362 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 107566 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 433410 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.00000 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.00000 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 433410 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 36653 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 64907 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 122922 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 101362 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 107566 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 433410 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 36653 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 64907 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 122922 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 101362 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 107566 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 433410 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | PPP LOAN FORGIVENESS 26,500 TOTAL 26,500 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | EXPENSES ADVERTISING 87 INSURANCE 955 BANK CHARGES 140 INTERNET 995 LICENSES & PERMITS 777 OFFICE SUPPLIES 300 TELEPHONE 1,305 SAFE DEPOSIT 110 REIMBURSEMENT 341 CLIENT EXPENSES 2,161 TOTAL 7,171 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | EQUITY ADJUSTMENT -43,701 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | PREPAID EXPENSES AND DEFERRED CHARGES 13,981 0 TOTAL 13,981 0 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | LINE OF CREDIT 0 0 LOANS FROM OFFICERS 0 0 TRUST ACCOUNTS 0 0 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE ORGANIZATION PROVIDES DEBT COUNSELING TO CLIENTS. COUNSELING SERVICES INCLUDE RESTRUCTURING OF DEBT AND CREDITOR PAYMENTS TO ENSURE TIMELINESS AND COMPLIANCE WITH RESTRUCTURING AGREEMENTS. THE ORGANIZATION ALSO PROVIDES PREVENTATIVE COUNSELING. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 8 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART I, LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART I, LINE 20 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART II, LINE 24 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990-EZ, PART II, LINE 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990-EZ, PART III, LINE 28 |
| ReturnHeader/BuildTS | 0 | 2022-09-23 18:48:47Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | HAROLD STEPHENSON |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 8138716007 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2021-03-10 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | CREDIT CARE COUNSELING SERVICES INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | CRED |
| ReturnHeader/Filer/EIN | 0 | 593271905 |
| ReturnHeader/Filer/PhoneNum | 0 | 8132188005 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 3007 PARTRIDGE POINT TRAIL |
| ReturnHeader/Filer/USAddress/CityNm | 0 | VALRICO |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | FL |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 33596 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 593761272 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | MICHAEL E STEUER CPA PA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 1000 S BELCHER RD STE 7 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | LARGO |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | FL |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 337713316 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 7277979000 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2021-03-10 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | MICHAEL E STEUER CPA |
| ReturnHeader/ReturnTs | 0 | 2021-03-10T16:06:00-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm | 0 | HAROLD |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm | 0 | STEPHENSON |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2020-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2020-12-31 |
| ReturnHeader/TaxYr | 0 | 2020 |
Document Assets
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