Civic Intelligence

Consumer Debt Counselors Inc

EIN 59-3548266 • 501(c)3 • Winter Park, FL

Profile

Provide financial literacy programs that promote the stewardship of financial resources; provide financial crisis counseling on a low-cost/no-cost basis; and, serve as a community resource for financial counseling and education.

831 West Morse BlvdWinter Park, FL 32789

www.consumerdebtcounselors.com

Siviq Scores

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

Liabilities / Assets

91st percentile

0.84x

Higher debt load relative to assets than 91% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

73rd percentile

0.29x

Higher debt load relative to revenue than 73% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

40th percentile

0.3%

Higher net margin than 40% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

42nd percentile

$13,368

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

3rd percentile

-70%

Faster asset growth than 3% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

42nd percentile

2.6%

Faster revenue growth than 42% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets91st percentile

Assets

Down

$530,288

Down $1,255,717 (-70%) from 2023

Liabilities

Down

$443,767

Down $21,867 (-4.7%) from 2023

Net Assets

Down

$86,521

Down $1,233,850 (-93%) from 2023

Operations
Liabilities / Revenue73rd percentileNet Margin40th percentile

Revenue

Up

$1,507,716

Up $38,922 (+2.6%) from 2023

Expenses

Up

$1,503,570

Up $30,441 (+2.1%) from 2023

Net Income

Up

$4,146

Up $8,481 (+196%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth3rd percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2010: $774,123Liabilities 2010: $25,534Net Assets 2010: $748,5892010Assets 2011: $965,974Liabilities 2011: $49,292Net Assets 2011: $916,6822011Assets 2012: $971,183Liabilities 2012: $53,691Net Assets 2012: $917,4922012Assets 2013: $1,131,659Liabilities 2013: $45,355Net Assets 2013: $1,086,3042013Assets 2014: $1,207,916Liabilities 2014: $74,804Net Assets 2014: $1,133,1122014Assets 2015: $1,119,464Liabilities 2015: $84,262Net Assets 2015: $1,035,2022015Assets 2016: $1,229,120Liabilities 2016: $118,254Net Assets 2016: $1,110,8662016Assets 2017: $1,352,147Liabilities 2017: $355,138Net Assets 2017: $997,0092017Assets 2018: $1,302,093Liabilities 2018: $233,678Net Assets 2018: $1,068,4152018Assets 2019: $1,309,258Liabilities 2019: $210,481Net Assets 2019: $1,098,7772019Assets 2020: $1,380,049Liabilities 2020: $404,669Net Assets 2020: $975,3802020Assets 2021: $1,532,219Liabilities 2021: $186,678Net Assets 2021: $1,345,5412021Assets 2022: $1,784,736Liabilities 2022: $460,030Net Assets 2022: $1,324,7062022Assets 2023: $1,786,005Liabilities 2023: $465,634Net Assets 2023: $1,320,3712023Assets 2024: $530,288Liabilities 2024: $443,767Net Assets 2024: $86,5212024

Highlighted filing

2024

Assets$530,288
Liabilities$443,767
Net Assets$86,521
Open 2024 Filing

Operations Trend

Revenue Growth42nd percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,293,8472010Expenses 2011: $1,392,6152011Expenses 2012: $1,548,1862012Revenue 2013: $1,412,236Expenses 2013: $1,243,424Net Income 2013: $168,8122013Revenue 2014: $1,804,841Expenses 2014: $1,758,033Net Income 2014: $46,8082014Revenue 2015: $1,470,275Expenses 2015: $1,568,185Net Income 2015: -$97,9102015Revenue 2016: $1,571,438Expenses 2016: $1,495,774Net Income 2016: $75,6642016Revenue 2017: $1,334,545Expenses 2017: $1,448,402Net Income 2017: -$113,8572017Revenue 2018: $1,432,416Expenses 2018: $1,361,010Net Income 2018: $71,4062018Revenue 2019: $1,388,888Expenses 2019: $1,358,527Net Income 2019: $30,3612019Revenue 2020: $1,526,327Expenses 2020: $1,389,732Net Income 2020: $136,5952020Revenue 2021: $1,793,369Expenses 2021: $1,423,208Net Income 2021: $370,1612021Revenue 2022: $1,408,358Expenses 2022: $1,429,193Net Income 2022: -$20,8352022Revenue 2023: $1,468,794Expenses 2023: $1,473,129Net Income 2023: -$4,3352023Revenue 2024: $1,507,716Expenses 2024: $1,503,570Net Income 2024: $4,1462024

Highlighted filing

2024

Revenue$1,507,716
Expenses$1,503,570
Net Income$4,146
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$530,288
Liabilities
$443,767
Net assets
$86,521
Revenue
$1,507,716
Expenses
$1,503,570
Net income
$4,146
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.53$0.44$0.09$1.51$1.50$0.00
2023Detailed filing. Detailed filing data is available for this year.$1.79$0.47$1.32$1.47$1.47$0.00
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.78$0.46$1.32$1.41$1.43$0.02
2021Detailed filing. Detailed filing data is available for this year.$1.53$0.19$1.35$1.79$1.42$0.37
2020Detailed filing. Detailed filing data is available for this year.$1.38$0.40$0.98$1.53$1.39$0.14
2019Detailed filing. Detailed filing data is available for this year.$1.31$0.21$1.10$1.39$1.36$0.03
2018Detailed filing. Detailed filing data is available for this year.$1.30$0.23$1.07$1.43$1.36$0.07
2017Detailed filing. Detailed filing data is available for this year.$1.35$0.36$1.00$1.33$1.45$0.11
2016Detailed filing. Detailed filing data is available for this year.$1.23$0.12$1.11$1.57$1.50$0.08
2015Detailed filing. Detailed filing data is available for this year.$1.12$0.08$1.04$1.47$1.57$0.10
2014Summary only. Only limited summary data is available for this year.$1.21$0.07$1.13$1.80$1.76$0.05
2013Summary only. Only limited summary data is available for this year.$1.13$0.05$1.09$1.41$1.24$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.97$0.05$0.92$1.55
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.97$0.05$0.92$1.39
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.77$0.03$0.75$1.29
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Aug 8, 2025
Return Version
2023v6.0
Gross Receipts
$1,507,716
Mission and Program Overview

Mission

Provide financial literacy programs that promote the stewardship of financial resources; provide financial crisis counseling on a low-cost/no-cost basis; and, serve as a community resource for financial counseling and education.

Financial crisis counseling and financial literacy.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$36,666$110,114▲ $73,448
Intangible Assets-$106,482-
Land, Buildings, and Equipment, Net$96,577$17,978▼ $78,599
Prepaid Expenses and Deferred Charges$5,587$4,377▼ $1,210
Total Assets$1,786,005$530,288▼ $1,255,717
Other Assets Total$1,647,175$291,337▼ $1,355,838
Liabilities
Other Liabilities$319,931$337,061▲ $17,130
Escrow Account Liability$126,167$91,031▼ $35,136
Accounts Payable and Accrued Expenses$19,536$15,675▼ $3,861
Total Liabilities$465,634$443,767▼ $21,867
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,320,371$86,521▼ $1,233,850
Total Net Assets Fund Balance$1,320,371$86,521▼ $1,233,850
Total Liabilities and Net Assets / Fund Balance$1,786,005$530,288▼ $1,255,717

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$17,978$59,580$77,558
Other Assets Org$87,062--
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeOtherTotal
George Janas Clu Chfc FicfPresidentFT$13,368$13,368

Board Members and Trustees

NameTitle
Jay Gewolb MdSecretary/trustee
James H Sullivan CPA Mas Csa AfcTreasurer/trustee
Joe BourkeTrustee
Layne HallTrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$277,198
Program Service Revenue
$1,230,518
Investment Income
$0
Other Revenue
$0
All Other Contributions
$121,700
Change in Net Assets
$4,146

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,507,716
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,507,716
Total Revenue per Form 990
$1,507,716
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$862,354
Other Expenses$641,216
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$701,077$52,769-$753,846
Information Technology$160,183--$160,183
Other Employee Benefits$88,480$6,660-$95,140
Fees for Services Other$91,801--$91,801
Occupancy$78,120$5,880-$84,000
Advertising$59,415--$59,415
Depreciation Depletion$52,357$3,941-$56,298
All Other Expenses$39,973$494-$40,467
Insurance$27,914$2,101-$30,015
Office Expenses$18,255$1,374-$19,629
Travel$15,870$1,195-$17,065
Current Officers, Directors, Trustees, and Key Employees$2,674$10,694-$13,368
Other Expenses$12,346$929-$13,275
Total Functional Expenses$1,414,384$89,186$0$1,503,570

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,503,570
Total Expenses per Audited Statements$1,503,570
Total Expenses per Form 990$1,503,570
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 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

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Llp-owner James SullivanOwner of Llp-member of Board of Organization.Outsource Regulatory Compliance Creditor and Accreditation Due Diligence.No$38,500
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Line of Credit$250,000
Operating Lease Liability$87,061
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
Yes
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
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 B, Line 11B

“A draft of form 990 was reviewed in detail by the president and a voting board member (treasurer) prior to submission to the irs. Form 990 information will be provided to the other board members after submission to the irs.”

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

“Annually members of the board of directors, through a signed affidavit, affirm there are no conflicts of interest or advising there are possibilities which must be discussed. In addition, any new board member receives the conflict of interest - ethics policy and must complete the affidavit at that time and then annually with the other board members.”

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

“Every year, the board of directors gathers salary/benefits information through available compensation surveys, etc., with the intent of determining that the salary of our president/key employee is appropriate for the responsibilities required.”

Form 990, Part VI, Section C, Line 19

“Consumer debt counselors' provides these items upon request.”

Filing and Contact Details

Filer

Filer Name
Consumer Debt Counselors Inc
EIN
59-3548266
Phone
4075990057
Address
831 WEST MORSE BLVD, WINTER PARK, FL 32789

Signing Officer

Name
George Janas
Title
President
Phone
4075990057
Signed
2025-08-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
George Janas
Formed
1998
Legal Domicile
Fl
Voting Board Members
4
Independent Board Members
4
Employees
13
Volunteers
0

Preparer

Firm
Ra Simasek Pa
Address
601 N FERN CREEK AVE STE 110, ORLANDO, FL 32803
Preparer
Regis Martin Simasek
Phone
4078945050
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“No change from prior year.”

Financial Statement Notes

PART IV, LINE 2B:

“The organization maintains an escrow liability account and related bank account for the processing of payments received from clients in accordance with related agreements. The balance in the bank account at any point in time is offset by this escrow contra liability account (i.e. Exchange account cash contra).”

Raw XML AppendixShowing 400 of 424 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/ActivityOrMissionDesc0FINANCIAL CRISIS COUNSELING AND FINANCIAL LITERACY.
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IRS990/Desc0CONSUMER DEBT COUNSELORS PROVIDES FINANCIAL COUNSELING AND EDUCATION AND PROMOTES FINANCIAL WELLNESS TO UNDERSERVED AMERICAN FAMILIES. THE ORGANIZATION IS A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING (NFCC), IS AN ACCREDITED MEMBER OF THE BETTER BUSINESS BUREAU WITH AN A+ RATING, AND HAS AN ISO 9001 CERTIFIED QUALITY MANAGEMENT SYSTEM. CLIENTS WHO BOOK AN APPOINTMENT WITH A CERTIFIED CREDIT COUNSELOR COMPLETE A DETAILED FINANCIAL REVIEW. THEY WORK WITH THEIR COUNSELOR TO DEFINE THEIR FINANCIAL GOALS, ESTABLISH A BUDGET, AND CREATE AN ACTION PLAN TO ACHIEVE THEM. ALL FINANCIAL COUNSELING IS PROVIDED AT NO COST TO OUR CLIENTELE. GENEROUS GRANTS FROM COMMUNITY PARTNERS SUPPLY FUNDING. SOME CLIENTS WHO UNDERGO FINANCIAL COUNSELING MAY ENROLL IN A DEBT MANAGEMENT PROGRAM (DMP), WHICH ALLOWS CREDITORS TO RECOVER TOTAL OUTSTANDING BALANCES WHILE NEGOTIATING CONCESSIONS LIKE LOWER INTEREST RATES TO ENSURE CLIENTS CAN REPAY THEIR DEBTS WITHOUT ADDITIONAL FINANCIAL DIFFICULTIES. DURING THE 2024 FISCAL YEAR, CONSUMER DEBT COUNSELORS CONDUCTED 1289 FINANCIAL COUNSELING SESSIONS IN PERSON, ONLINE, AND OVER THE TELEPHONE. IN THE SAME PERIOD, 850 CLIENTS STARTED A NEW DMP, AND 327 CLIENTS SUCCESSFULLY COMPLETED A DMP.
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01647175
IRS990/OtherAssetsTotalGrp/EOYAmt0291337
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt06660
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt088480
IRS990/OtherEmployeeBenefitsGrp/TotalAmt095140
IRS990/OtherExpensesGrp/Desc0COMMUNICATIONS EXPENSE
IRS990/OtherExpensesGrp/Desc1NFCC MEMBERSHIP
IRS990/OtherExpensesGrp/Desc2POSTAGE AND SHIPPING
IRS990/OtherExpensesGrp/Desc3LICENSES AND PERMITS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt02096
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11053
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2929
IRS990/OtherExpensesGrp/ProgramServicesAmt027852
IRS990/OtherExpensesGrp/ProgramServicesAmt124078
IRS990/OtherExpensesGrp/ProgramServicesAmt213989
IRS990/OtherExpensesGrp/ProgramServicesAmt312346
IRS990/OtherExpensesGrp/TotalAmt029948
IRS990/OtherExpensesGrp/TotalAmt124078
IRS990/OtherExpensesGrp/TotalAmt215042
IRS990/OtherExpensesGrp/TotalAmt313275
IRS990/OtherLiabilitiesGrp/BOYAmt0319931
IRS990/OtherLiabilitiesGrp/EOYAmt0337061
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt052769
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0701077
IRS990/OtherSalariesAndWagesGrp/TotalAmt0753846
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05587
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt04377
IRS990/PrincipalOfficerNm0GEORGE JANAS
IRS990/PriorPeriodAdjustmentsAmt0-1237996
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/Desc0PROGRAM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01230518
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01230518
IRS990/ProgSrvcAccomActy2Grp/Desc0SINCE 2012, CONSUMER DEBT COUNSELORS HAS MET THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT'S (HUD) STRICT REQUIREMENTS TO BE A HUD-CERTIFIED HOUSING COUNSELING AGENCY. OUR HOUSING COUNSELORS WORK WITH UNDERSERVED COMMUNITIES TO OVERCOME HOUSING CHALLENGES IN MULTIPLE AREAS, INCLUDING FAIR HOUSING, HOMELESSNESS, RENTAL HOUSING, HOMEOWNERSHIP, MORTGAGE MODIFICATION, AND FORECLOSURE ASSISTANCE AND EDUCATION. ALL HOUSING COUNSELING SERVICES ARE PROVIDED AT NO COST TO CLIENTS. FUNDING FOR HOUSING PROGRAMS COMES FROM VARIOUS SOURCES, INCLUDING THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD), COMMUNITY PARTNERSHIPS, AND STATE AND LOCAL GOVERNMENTS. SOME HOUSING CLIENTS ENGAGE THE ORGANIZATION VIA WORKSHOPS. CONSUMER DEBT COUNSELORS REGULARLY HOLD SEMINARS ON BOTH PRE-PURCHASE AND POST-PURCHASE HOMEOWNERSHIP EDUCATION. DURING THE 2024 FISCAL YEAR, THE ORGANIZATION HELD 12 WORKSHOPS. OTHER HOUSING CLIENTS ENGAGE IN ONE-ON-ONE COUNSELING. DURING THE 2024 FISCAL YEAR, CONSUMER DEBT COUNSELORS PROVIDED ONE-ON-ONE HOUSING COUNSELING TO 203 CLIENTS. OVERALL, INCLUDING BOTH WORKSHOPS AND ONE-ON-ONE COUNSELING, CONSUMER DEBT COUNSELORS IMPROVED THE FINANCIAL CAPABILITIES AND SKILLS OF 181 CLIENTS, REFERRED 178 CLIENTS TO ADDITIONAL HOUSING SERVICES, REFERRED 5 CLIENTS TO OTHER SOCIAL SERVICES, COMPLETED 40 HOMELESS OR RENTAL COUNSELING SESSIONS, AND DELIVERED 1 PRE-PURCHASE COUNSELING SESSIONS THAT RESULTED IN THE PURCHASE OF A HOME.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0240444
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0209187
IRS990/ProgSrvcAccomActy3Grp/Desc0CONSUMER DEBT COUNSELORS SEEKS TO BE A TRUSTED AND RESPECTED VOICE FOR CONSUMER FINANCIAL EDUCATION AND PROBLEM RESOLUTION IN OUR COMMUNITIES. ONE OF OUR PRIMARY FOCUS AREAS IS COMMUNITY OUTREACH. SINCE 2015, CONSUMER DEBT COUNSELORS HAS BEEN A PROUD SPONSOR OF JEWISH FAMILY SERVICES OF GREATER ORLANDO'S (JFS ORLANDO) FAMILY STABILIZATION PROGRAM (FSP). THE FSP IS A PREVENTATIVE, SIX-MONTH CASE MANAGEMENT PROGRAM DESIGNED TO HELP FAMILIES OBTAIN SELF-SUFFICIENCY BY TEACHING THEM CRITICAL SKILLS AND TOOLS TO RESOLVE CRISES AND AVOID FUTURE HARDSHIPS WHILE ACHIEVING LONG-TERM STABILITY. THE PROGRAM'S PRIMARY OBJECTIVES ARE TO IMPROVE FINANCIAL MANAGEMENT SKILLS, EMPLOYABILITY, FAMILY STABILITY, AND MENTAL HEALTH AND TO MAINTAIN OR IMPROVE HOUSING. THIS IS ACCOMPLISHED BY PROVIDING CLIENTS WITH VARIOUS SUPPORTIVE SERVICES AT NO COST TO PARTICIPANTS. CONSUMER DEBT COUNSELORS PROVIDES WORKSHOPS ON CRISIS BUDGETING, REBUILDING CREDIT, SAVING, AND BASIC MONEY MANAGEMENT FOR EACH COHORT. ADDITIONALLY, THE ORGANIZATION PROVIDES ONGOING ONE-ON-ONE FINANCIAL COUNSELING FOR ALL PROGRAM PARTICIPANTS. DURING THE 2024 FISCAL YEAR, 40 HOUSEHOLDS PARTICIPATED IN JFS ORLANDO'S FSP. EACH OF THESE HOUSEHOLDS COMPLETED WORKSHOPS AND FINANCIAL COUNSELING SESSIONS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt099007
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt086137
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0123200
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt0630024
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01345594
IRS990/PYRevenuesLessExpensesAmt0-4335
IRS990/PYSalariesCompEmpBnftPaidAmt0843105
IRS990/PYTotalExpensesAmt01473129
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01468794
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt04146
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0935194
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0277198
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0123200
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0105652
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0305872
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt069722
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0881644
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt01230518
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt01345594
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt01302706
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt01487497
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt01456605
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt06822920
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt07704564
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt01507716
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt01468794
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt01408358
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt01793369
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt01526327
IRS990ScheduleA/Total509Grp/TotalAmt07704564
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt01507716
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt01468794
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt01408358
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt01793369
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt01526327
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt07704564
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/ScheduleBRequiredInd01
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt01503570
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt091031
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1113244
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt287062
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0CASH - RESTRICTED FOR EXCHANGE ACCOUNT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1GRANTS AND CONTRACTS RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2OPERATING LEASE RIGHT OF USE ASSET
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt017978
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt059580
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt077558
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0250000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt187061
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0LINE OF CREDIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OPERATING LEASE LIABILITY
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt01507716
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION MAINTAINS AN ESCROW LIABILITY ACCOUNT AND RELATED BANK ACCOUNT FOR THE PROCESSING OF PAYMENTS RECEIVED FROM CLIENTS IN ACCORDANCE WITH RELATED AGREEMENTS. THE BALANCE IN THE BANK ACCOUNT AT ANY POINT IN TIME IS OFFSET BY THIS ESCROW CONTRA LIABILITY ACCOUNT (I.E. EXCHANGE ACCOUNT CASH CONTRA).
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt017978
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0291337
IRS990ScheduleD/TotalExpensesPerForm990Amt01503570
IRS990ScheduleD/TotalLiabilityAmt0337061
IRS990ScheduleD/TotalRevenuePerForm990Amt01507716
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01507716
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01503570
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0LLP-OWNER JAMES SULLIVAN
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0OWNER OF LLP-MEMBER OF BOARD OF ORGANIZATION.
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd00
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt038500
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0OUTSOURCE REGULATORY COMPLIANCE CREDITOR AND ACCREDITATION DUE DILIGENCE.
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A DRAFT OF FORM 990 WAS REVIEWED IN DETAIL BY THE PRESIDENT AND A VOTING BOARD MEMBER (TREASURER) PRIOR TO SUBMISSION TO THE IRS. FORM 990 INFORMATION WILL BE PROVIDED TO THE OTHER BOARD MEMBERS AFTER SUBMISSION TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ANNUALLY MEMBERS OF THE BOARD OF DIRECTORS, THROUGH A SIGNED AFFIDAVIT, AFFIRM THERE ARE NO CONFLICTS OF INTEREST OR ADVISING THERE ARE POSSIBILITIES WHICH MUST BE DISCUSSED. IN ADDITION, ANY NEW BOARD MEMBER RECEIVES THE CONFLICT OF INTEREST - ETHICS POLICY AND MUST COMPLETE THE AFFIDAVIT AT THAT TIME AND THEN ANNUALLY WITH THE OTHER BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EVERY YEAR, THE BOARD OF DIRECTORS GATHERS SALARY/BENEFITS INFORMATION THROUGH AVAILABLE COMPENSATION SURVEYS, ETC., WITH THE INTENT OF DETERMINING THAT THE SALARY OF OUR PRESIDENT/KEY EMPLOYEE IS APPROPRIATE FOR THE RESPONSIBILITIES REQUIRED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CONSUMER DEBT COUNSELORS' PROVIDES THESE ITEMS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NO CHANGE FROM PRIOR YEAR.
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 C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0IL
IRS990/StatesWhereCopyOfReturnIsFldCd1NY
IRS990/StatesWhereCopyOfReturnIsFldCd2CA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01786005
IRS990/TotalAssetsEOYAmt0530288
IRS990/TotalAssetsGrp/BOYAmt01786005
IRS990/TotalAssetsGrp/EOYAmt0530288
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0277198
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt089186
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01414384
IRS990/TotalFunctionalExpensesGrp/TotalAmt01503570
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0465634
IRS990/TotalLiabilitiesEOYAmt0443767
IRS990/TotalLiabilitiesGrp/BOYAmt0465634
IRS990/TotalLiabilitiesGrp/EOYAmt0443767
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01320371
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt086521
IRS990/TotalOtherCompensationAmt013368
IRS990/TotalProgramServiceExpensesAmt01414384
IRS990/TotalProgramServiceRevenueAmt01230518
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01230518
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01507716
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01786005
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0530288
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt01195
IRS990/TravelGrp/ProgramServicesAmt015870
IRS990/TravelGrp/TotalAmt017065
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0831 WEST MORSE BLVD
IRS990/USAddress/CityNm0WINTER PARK
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032789
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0WWW.CONSUMERDEBTCOUNSELORS.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0GEORGE JANAS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT

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