Civic Intelligence

American Credit Counselors

EIN 65-0942766 • 501(c)3 • Boca Raton, FL

Profile

Primary purpose of the organization is to provide counseling and education of consumers with regard to credit and debt.

23123 State Road 7Room/Suite 215Boca Raton, FL 33428

acchelp.org

Siviq Scores

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

Liabilities / Assets

76th percentile

0.34x

Higher debt load relative to assets than 76% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

64th percentile

0.17x

Higher debt load relative to revenue than 64% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2014

Net Margin

4th percentile

-93%

Higher net margin than 4% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

42nd percentile

$6,000

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 0.5% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2014

Asset Growth

2nd percentile

-80%

Faster asset growth than 2% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

7th percentile

-41%

Faster revenue growth than 7% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets76th percentile

Assets

Down

$567,671

Down $2,262,361 (-80%) from 2013

Liabilities

Down

$194,107

Down $1,194,503 (-86%) from 2013

Net Assets

Down

$373,564

Down $1,067,858 (-74%) from 2013

Operations
Liabilities / Revenue64th percentileNet Margin4th percentile

Revenue

Down

$1,147,175

Down $807,757 (-41%) from 2013

Expenses

Down

$2,215,033

Down $1,392,663 (-39%) from 2013

Net Income

Up

-$1,067,858

Up $584,906 (+35%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth2nd percentile

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

$6.0M$4.0M$2.0M$0Assets 2011: $4,717,675Liabilities 2011: $1,643,768Net Assets 2011: $3,073,9072011Assets 2012: $3,904,512Liabilities 2012: $810,326Net Assets 2012: $3,094,1862012Assets 2013: $2,830,032Liabilities 2013: $1,388,610Net Assets 2013: $1,441,4222013Assets 2014: $567,671Liabilities 2014: $194,107Net Assets 2014: $373,5642014

Highlighted filing

2014

Assets$567,671
Liabilities$194,107
Net Assets$373,564
Open 2014 Filing

Operations Trend

Revenue Growth7th percentile

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2011: $6,294,6122011Expenses 2012: $3,807,6422012Revenue 2013: $1,954,932Expenses 2013: $3,607,696Net Income 2013: -$1,652,7642013Revenue 2014: $1,147,175Expenses 2014: $2,215,033Net Income 2014: -$1,067,8582014

Highlighted filing

2014

Revenue$1,147,175
Expenses$2,215,033
Net Income-$1,067,858
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$567,671
Liabilities
$194,107
Net assets
$373,564
Revenue
$1,147,175
Expenses
$2,215,033
Net income
-$1,067,858
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.57$0.19$0.37$1.15$2.22$1.07
2013Detailed filing. Detailed filing data is available for this year.$2.83$1.39$1.44$1.95$3.61$1.65
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.90$0.81$3.09$3.81
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.72$1.64$3.07$6.29
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 22, 2015
Return Version
2014v5.0
Gross Receipts
$1,147,175
Mission and Program Overview

Mission

Primary purpose of the organization is to provide counseling and education of consumers with regard to credit and debt.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$2,416,120$293,525▼ $2,122,595
Accounts Receivable$9,619$78,602▲ $68,983
Prepaid Expenses and Deferred Charges$4,355--
Total Assets$2,830,032$567,671▼ $2,262,361
Other Assets Total$399,938$195,544▼ $204,394
Liabilities
Other Liabilities$442,423$190,326▼ $252,097
Accounts Payable and Accrued Expenses$946,187$3,781▼ $942,406
Total Liabilities$1,388,610$194,107▼ $1,194,503
Net Assets / Fund Balance
Unrestricted Net Assets$1,441,422$373,564▼ $1,067,858
Total Net Assets Fund Balance$1,441,422$373,564▼ $1,067,858
Total Liabilities and Net Assets / Fund Balance$2,830,032$567,671▼ $2,262,361

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$5,218--
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mario BickDirector/secPT$6,000$6,000

Board Members and Trustees

NameTitle
Igor FeldmanDirector
Steva KailDirector/ Pr

Highest Paid Contractors

ContractorServicesLocationCompensation
Bmv CorpManagement Serv23123 SR 7 STE 215, Boca Raton, FL 33428$529,339
Revenue and Support

Revenue Composition

Contributions and Grants
$1,020,908
Program Service Revenue
$126,267
Investment Income
$0
Other Revenue
$0
All Other Contributions
$1,020,908
Change in Net Assets
$-1,067,858

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,147,175
Total Revenue per Audited Statements
$1,147,175
Total Revenue per Form 990
$1,147,175
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,268,778
Salaries, Compensation, and Employee Benefits$946,255
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$494,977$26,051-$521,028
Current Officers, Directors, Trustees, and Key Employees$325,580$23,139-$348,719
Fees for Services Legal$263,165--$263,165
All Other Expenses$97,281$2,167-$99,448
Occupancy$12,333$68,741-$81,074
Payroll Taxes$69,401$3,653-$73,054
Other Expenses$59,709--$59,709
Insurance$19,938$35,298-$55,236
Fees for Services Management$39,701--$39,701
Office Expenses$24,821$13,325-$38,146
Fees for Services Other$37,004--$37,004
Information Technology$35,200--$35,200
Fees for Services Accounting$32,412--$32,412
Advertising$11,350--$11,350
Travel$5,717--$5,717
Pension Plan Contributions$1,871$98-$1,969
Other Employee Benefits$1,411$74-$1,485
Total Functional Expenses$2,042,487$172,546$0$2,215,033

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,215,033
Total Expenses per Audited Statements$2,215,033
Total Expenses per Form 990$2,215,033
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Creditors$190,326
Accrued Expenses-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Page 6, Part VI, Line 3

“Management is handled by bmv corporation”

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reviewed by the company's accounting department as well as by members of the board.”

Form 990, Page 6, Part VI, Line 19

“Documents are availabe to the public by writen request to the corporate office.”

Filing and Contact Details

Filer

Filer Name
American Credit Counselors
EIN
65-0942766
Phone
5618861150
Address
23123 STATE ROAD 7, ROOM/SUITE 215, BOCA RATON, FL 33428

Signing Officer

Name
Mario Bick
Title
Secretary
Phone
5618861150
Signed
2015-05-22

Organization Details

Formed
1999
Legal Domicile
Fl
Voting Board Members
3
Independent Board Members
3
Employees
29

Preparer

Firm
Briele & Echeverria Pa
Address
5001 SW 74TH CT STE 202, MIAMI, FL 33155-4453
Preparer
Aida Briele
Phone
3054435768
Supplemental Narrative

Additional Explanations

Form 990, Part III

“Continuation 4a- counselors provide guidance in creating and maintaining a concise, personal, and reasonable household budget, discuss the importance of paying bills on time each month, and propose options to help consumers become curent with their outstanding secured and unsecured liabilities. Counselors also povide referrals for clients to other organizations for appropriate support services, such as employment, skills training, veteran benefits, psychological/behavioral couseling, and other social services.”

Form 990, Part XI, Line 9

“ROUNDING 0”

Raw XML Appendix372 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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IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt01954519
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt03827920
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt06546627
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt09554351
IRS990ScheduleA/Total509Grp/TotalAmt023030592
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IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt03828168
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc1SECURITY DEPOSIT
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DUE TO CREDITORS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED EXPENSES
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CONTINUATION 4A- COUNSELORS PROVIDE GUIDANCE IN CREATING AND MAINTAINING A CONCISE, PERSONAL, AND REASONABLE HOUSEHOLD BUDGET, DISCUSS THE IMPORTANCE OF PAYING BILLS ON TIME EACH MONTH, AND PROPOSE OPTIONS TO HELP CONSUMERS BECOME CURENT WITH THEIR OUTSTANDING SECURED AND UNSECURED LIABILITIES. COUNSELORS ALSO POVIDE REFERRALS FOR CLIENTS TO OTHER ORGANIZATIONS FOR APPROPRIATE SUPPORT SERVICES, SUCH AS EMPLOYMENT, SKILLS TRAINING, VETERAN BENEFITS, PSYCHOLOGICAL/BEHAVIORAL COUSELING, AND OTHER SOCIAL SERVICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MANAGEMENT IS HANDLED BY BMV CORPORATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM 990 IS REVIEWED BY THE COMPANY'S ACCOUNTING DEPARTMENT AS WELL AS BY MEMBERS OF THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DOCUMENTS ARE AVAILABE TO THE PUBLIC BY WRITEN REQUEST TO THE CORPORATE OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ROUNDING 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART III
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9
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IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt01020908
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IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0172546
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt02042487
IRS990/TotalFunctionalExpensesGrp/TotalAmt02215033
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01388610
IRS990/TotalLiabilitiesEOYAmt0194107
IRS990/TotalLiabilitiesGrp/BOYAmt01388610
IRS990/TotalLiabilitiesGrp/EOYAmt0194107
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01441422
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0373564
IRS990/TotalProgramServiceExpensesAmt02042487
IRS990/TotalProgramServiceRevenueAmt0126267
IRS990/TotalReportableCompFromOrgAmt06000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0126267
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01147175
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02830032
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0567671
IRS990/TravelGrp/ProgramServicesAmt05717
IRS990/TravelGrp/TotalAmt05717
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt01441422
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0373564
IRS990/UponRequestInd0X
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IRS990/VotingMembersIndependentCnt03
IRS990/WebsiteAddressTxt0ACCHELP.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MARIO BICK
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0SECRETARY
ReturnHeader/BusinessOfficerGrp/PhoneNum05618861150
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0AMERICAN CREDIT COUNSELORS
ReturnHeader/Filer/BusinessNameControlTxt0AMER
ReturnHeader/Filer/EIN0650942766
ReturnHeader/Filer/PhoneNum05618861150
ReturnHeader/Filer/USAddress/AddressLine1Txt023123 STATE ROAD 7
ReturnHeader/Filer/USAddress/AddressLine2Txt0ROOM/SUITE 215
ReturnHeader/Filer/USAddress/CityNm0BOCA RATON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd033428
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0650173530
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BRIELE & ECHEVERRIA PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05001 SW 74TH CT STE 202
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MIAMI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0331554453
ReturnHeader/PreparerPersonGrp/PhoneNum03054435768
ReturnHeader/PreparerPersonGrp/PreparationDt02015-08-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AIDA BRIELE
ReturnHeader/ReturnTs02015-08-17T15:39:13-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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