First Stone Credit Conseling

990EZ • Fiscal year 2013 • EIN 75-2698055

Mar 01, 2012 to Feb 28, 2013 • Filed on Jan 15, 2014

Organization Profile N/A

4372 Spring Valley Road75244

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

0.35x

Higher debt load relative to assets than 85% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

0.59x

Higher debt load relative to revenue than 93% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

5.4%

Higher net margin than 56% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

No value available

This filing does not contain officer compensation rows.

Source year 2013

3.3%

Faster asset growth than 53% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Annualized from 2012 to 2013

-28%

Faster revenue growth than 17% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Annualized from 2012 to 2013

Balance Sheet

Liabilities / Assets85th percentile

Assets

$209,806

Up $6,722 (+3.3%) from 2012

Net Assets

$136,187

Up $6,722 (+5.2%) from 2012

Liabilities

Flat

$73,619

Flat from 2012

Revenue And Expenses

Liabilities / Revenue93rd percentile Net Margin56th percentile

Revenue

Down

$124,923

Down $48,294 (-28%) from 2012

Expenses

Down

$118,201

Down $73,319 (-38%) from 2012

Net Income

$6,722

Up $25,025 (+137%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth53rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

Highlighted filing

2013

Assets$209,806

Liabilities$73,619

Net Assets$136,187

Open 2013 Filing

Operations Trend

Revenue Growth17th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

Highlighted filing

2013

Revenue$124,923

Expenses$118,201

Net Income$6,722

Open 2013 Filing

Jump To

Filing Snapshot

Filing Period: Mar 1, 2012 to Feb 28, 2013
Signed: Jan 15, 2014
Return Version: 2012v2.0

Mission and Program Overview

Mission

CREDIT COUNSELING

Filing and Contact Details

Filer

EIN: 75-2698055

Raw XML Appendix203 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
IRS990EZ/ActivitiesNotPreviouslyRpt	0	false
IRS990EZ/CashSavingsAndInvestments/BOY	0	1143
IRS990EZ/CashSavingsAndInvestments/EOY	0	15344
IRS990EZ/CostOfGoodsSold	0	0
IRS990EZ/CostOtherBasisAndSalesExpenses	0	0
IRS990EZ/DidOrgFileForm1120POLThisYear	0	false
IRS990EZ/DoesOrgHaveHospital	0	false
IRS990EZ/EngagedInExcessBenefitTrans	0	false
IRS990EZ/EngageInLobbyingActivities	0	false
IRS990EZ/EngagePoliticalCmpgnActivities	0	false
IRS990EZ/ExcessOrDeficitForYear	0	6722
IRS990EZ/FeesAndOthPymtToIndContractors	0	14726
IRS990EZ/FiledScheduleA	0	true
IRS990EZ/ForeignFinancialAccount	0	false
IRS990EZ/ForeignOffice	0	false
IRS990EZ/Form720Filed	0	false
IRS990EZ/FundraisingGrossIncome	0	0
IRS990EZ/GrossReceipts	0	124923
IRS990EZ/GrossReceiptsForPublicUse	0	0
IRS990EZ/InfoInScheduleOPartI	0	X
IRS990EZ/InfoInScheduleOPartII	0	X
IRS990EZ/InfoInScheduleOPartV	0	X
IRS990EZ/InitiationFeesAndCapitalContri	0	0
IRS990EZ/InvestmentIncome	0	1
IRS990EZ/LoansToFromOfficers	0	27195
IRS990EZ/MadeChangesToOrgnzngEtcDoc	0	false
IRS990EZ/MadeLoansToFromOfficers	0	true
IRS990EZ/MaintainAnyDonorAdvisedFunds	0	false
IRS990EZ/MethodOfAccountingCash	0	X
IRS990EZ/NetAssetsOrFundBalances/BOY	0	129465
IRS990EZ/NetAssetsOrFundBalancesBOY	0	129465
IRS990EZ/NetAssetsOrFundBalances/EOY	0	136187
IRS990EZ/NetAssetsOrFundBalancesEOY	0	136187
IRS990EZ/OccupancyRentUtilitiesAndMaint	0	29600
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition	0	40.00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation	0	6022
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName	0	BRUCE SANIELSON
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title	0	CHAIRMAN/EX DIR
IRS990EZ/OperatingSchool	0	false
IRS990EZ/Organization501c3	0	X
IRS990EZ/OrganizationDissolvedEtc	0	false
IRS990EZ/OrganizationFiled990T	0	false
IRS990EZ/OrganizationHadUBI	0	false
IRS990EZ/OtherAssetsTotal/BOY	0	201941
IRS990EZ/OtherAssetsTotal/EOY	0	194462
IRS990EZ/OtherExpensesTotal	0	25080
IRS990EZ/PartVIAHghstPaidCntrctProfSer	0	NONE
IRS990EZ/PartVIOfCompOfHighestPaidEmpl	0	NONE
IRS990EZ/PrimaryExemptPurpose	0	CREDIT COUNSELING
IRS990EZ/PrintingPublicationsPostage	0	555
IRS990EZ/ProgramServiceAccomplishment/DescriptionProgramServiceAccom	0	THE TAXPAYER ASSISTS PEOPLE IN RESOLVING CREDIT ISSUES AND TO LEARN HOW TO PROPERLY BUDGET THEIR FINANCES
IRS990EZ/ProgramServiceRevenue	0	124922
IRS990EZ/ProhibitedTaxShelterTrans	0	false
IRS990EZ/RelatedOrgControlledEntity	0	false
IRS990EZ/RelatedOrgSection527Org	0	false
IRS990EZ/SalariesOtherCompEmplBenefits	0	48240
IRS990EZ/ScheduleBNotRequired	0	X
IRS990EZ/SpecialEventsDirectExpenses	0	0
IRS990EZ/SubjectToProxyTax	0	false
IRS990EZ/SumOfTotalLiabilities/BOY	0	73619
IRS990EZ/SumOfTotalLiabilities/EOY	0	73619
IRS990EZ/TanningServicesProvided	0	false
IRS990EZ/TheBooksAreInCareOf/AddressUS/AddressLine1	0	4372 SPRING VALLEY ROAD
IRS990EZ/TheBooksAreInCareOf/AddressUS/City	0	FARMERS BRANCH
IRS990EZ/TheBooksAreInCareOf/AddressUS/State	0	TX
IRS990EZ/TheBooksAreInCareOf/AddressUS/ZIPCode	0	75244
IRS990EZ/TheBooksAreInCareOf/NamePerson	0	JD DANIELSON
IRS990EZ/TheBooksAreInCareOf/TelephoneNumber	0	9722351188
IRS990EZ/TotalAssets/BOY	0	203084
IRS990EZ/TotalAssets/EOY	0	209806
IRS990EZ/TotalExpenses	0	118201
IRS990EZ/TotalRevenue	0	124923
IRS990EZ/TransactionWithControlEntity	0	false
IRS990EZ/TrnsfrsExemptNonCharRelatedOrg	0	false
IRS990EZ/WebSite	0	N/A
IRS990ScheduleA/AmtsFromSubstContributors/Total	0	0
IRS990ScheduleA/AmtsRecdFromDisqualPersons/Total	0	0
IRS990ScheduleA/GiftsGrantsContribReceived509/Total	0	0
IRS990ScheduleA/GrossInvestmentIncome509/CurrentTaxYear	0	1
IRS990ScheduleA/GrossInvestmentIncome509/CurrentTaxYearMinus1Year	0	1
IRS990ScheduleA/GrossInvestmentIncome509/CurrentTaxYearMinus2Years	0	1
IRS990ScheduleA/GrossInvestmentIncome509/CurrentTaxYearMinus3Years	0	3
IRS990ScheduleA/GrossInvestmentIncome509/CurrentTaxYearMinus4Years	0	8
IRS990ScheduleA/GrossInvestmentIncome509/Total	0	14
IRS990ScheduleA/GrossReceiptsFromAdmissions/CurrentTaxYear	0	124922
IRS990ScheduleA/GrossReceiptsFromAdmissions/CurrentTaxYearMinus1Year	0	173216
IRS990ScheduleA/GrossReceiptsFromAdmissions/CurrentTaxYearMinus2Years	0	215798
IRS990ScheduleA/GrossReceiptsFromAdmissions/CurrentTaxYearMinus3Years	0	216655
IRS990ScheduleA/GrossReceiptsFromAdmissions/CurrentTaxYearMinus4Years	0	267460
IRS990ScheduleA/GrossReceiptsFromAdmissions/Total	0	998051
IRS990ScheduleA/GrossReceiptsFromNonUBI/Total	0	0
IRS990ScheduleA/InvestmentIncomeAndUBTI/CurrentTaxYear	0	1
IRS990ScheduleA/InvestmentIncomeAndUBTI/CurrentTaxYearMinus1Year	0	1
IRS990ScheduleA/InvestmentIncomeAndUBTI/CurrentTaxYearMinus2Years	0	1
IRS990ScheduleA/InvestmentIncomeAndUBTI/CurrentTaxYearMinus3Years	0	3
IRS990ScheduleA/InvestmentIncomeAndUBTI/CurrentTaxYearMinus4Years	0	8
IRS990ScheduleA/InvestmentIncomeAndUBTI/Total	0	14
IRS990ScheduleA/InvestmentIncomePercentage	0	0.00000
IRS990ScheduleA/NetIncomeFromOtherUBI/Total	0	0
IRS990ScheduleA/OtherIncome509/Total	0	0
IRS990ScheduleA/Post1975UBTI/Total	0	0
IRS990ScheduleA/PubliclySupportedOrg509a2	0	X
IRS990ScheduleA/PublicSupportPercentage509	0	1.00000
IRS990ScheduleA/PublicSupportTotal509	0	998051
IRS990ScheduleA/TaxRevLeviedForOrgBenefit509/Total	0	0
IRS990ScheduleA/ThirtyThreePercntTestsCY509	0	X
IRS990ScheduleA/Total509/CurrentTaxYear	0	124922
IRS990ScheduleA/Total509/CurrentTaxYearMinus1Year	0	173216
IRS990ScheduleA/Total509/CurrentTaxYearMinus2Years	0	215798
IRS990ScheduleA/Total509/CurrentTaxYearMinus3Years	0	216655
IRS990ScheduleA/Total509/CurrentTaxYearMinus4Years	0	267460
IRS990ScheduleA/Total509/Total	0	998051
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYear	0	124923
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus1Year	0	173217
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus2Years	0	215799
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus3Years	0	216658
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus4Years	0	267468
IRS990ScheduleA/TotalSupportTotal/Total	0	998065
IRS990ScheduleA/ValueOfSvcsFcltsFurnishdByGovt/Total	0	0
IRS990ScheduleL/LoanTable/ApprovedByBoard	0	true
IRS990ScheduleL/LoanTable/BalanceDue	0	27195
IRS990ScheduleL/LoanTable/Default	0	false
IRS990ScheduleL/LoanTable/LoanToOrganization	0	X
IRS990ScheduleL/LoanTable/NamePerson	0	BRUCE DANIELSON
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount	0	27195
IRS990ScheduleL/LoanTable/WrittenAgreement	0	true
IRS990ScheduleL/TotalBalanceDue	0	27195
IRS990ScheduleO/GeneralExplanation/Explanation	0	Unsecured Notes and Loans Payable - Beginning $36637 Unsecured Notes and Loans Payable - Ending $36637
IRS990ScheduleO/GeneralExplanation/Explanation	1	Payable to Officers, Directors, Etc. - Beginning $27195 Payable to Officers, Directors, Etc. - Ending $27195
IRS990ScheduleO/GeneralExplanation/Explanation	2	Accounts Payable and Accrued Expenses - Beginning $9787 Accounts Payable and Accrued Expenses - Ending $9787
IRS990ScheduleO/GeneralExplanation/Explanation	3	SECURITY DEPOSITS - Beginning $700 SECURITY DEPOSITS - Ending $700
IRS990ScheduleO/GeneralExplanation/Explanation	4	Accounts Receivable - Beginning $200023 Accounts Receivable - Ending $193032
IRS990ScheduleO/GeneralExplanation/Explanation	5	Miscellaneous - Beginning $1218 Miscellaneous - Ending $730
IRS990ScheduleO/GeneralExplanation/Explanation	6	BANK CHARGES $22
IRS990ScheduleO/GeneralExplanation/Explanation	7	MISCELLANEOUS $105
IRS990ScheduleO/GeneralExplanation/Explanation	8	BAD CHECKS $350
IRS990ScheduleO/GeneralExplanation/Explanation	9	REPAIRS $1278
IRS990ScheduleO/GeneralExplanation/Explanation	10	TELEPHONE $3290
IRS990ScheduleO/GeneralExplanation/Explanation	11	MEDIA AND EDUCATION $3750
IRS990ScheduleO/GeneralExplanation/Explanation	12	UTILITIES $4649
IRS990ScheduleO/GeneralExplanation/Explanation	13	OTHER TAXES $6939
IRS990ScheduleO/GeneralExplanation/Explanation	14	Depreciation $488
IRS990ScheduleO/GeneralExplanation/Explanation	15	Information Technology $351
IRS990ScheduleO/GeneralExplanation/Explanation	16	Office Expenses $3858
IRS990ScheduleO/GeneralExplanation/Identifier	0	Form 990-EZ, Part II, Line 26.1008
IRS990ScheduleO/GeneralExplanation/Identifier	1	Form 990-EZ, Part II, Line 26.1006
IRS990ScheduleO/GeneralExplanation/Identifier	2	Form 990-EZ, Part II, Line 26.1001
IRS990ScheduleO/GeneralExplanation/Identifier	3	Form 990-EZ, Part II, Line 24.1
IRS990ScheduleO/GeneralExplanation/Identifier	4	Form 990-EZ, Part II, Line 24.1005
IRS990ScheduleO/GeneralExplanation/Identifier	5	Form 990-EZ, Part II, Line 24.1004
IRS990ScheduleO/GeneralExplanation/Identifier	6	Form 990-EZ, Part I, Line 16.9
IRS990ScheduleO/GeneralExplanation/Identifier	7	Form 990-EZ, Part I, Line 16.8
IRS990ScheduleO/GeneralExplanation/Identifier	8	Form 990-EZ, Part I, Line 16.7
IRS990ScheduleO/GeneralExplanation/Identifier	9	Form 990-EZ, Part I, Line 16.5
IRS990ScheduleO/GeneralExplanation/Identifier	10	Form 990-EZ, Part I, Line 16.4
IRS990ScheduleO/GeneralExplanation/Identifier	11	Form 990-EZ, Part I, Line 16.3
IRS990ScheduleO/GeneralExplanation/Identifier	12	Form 990-EZ, Part I, Line 16.2
IRS990ScheduleO/GeneralExplanation/Identifier	13	Form 990-EZ, Part I, Line 16.1
IRS990ScheduleO/GeneralExplanation/Identifier	14	Form 990-EZ, Part I, Line 16.1009
IRS990ScheduleO/GeneralExplanation/Identifier	15	Form 990-EZ, Part I, Line 16.1003
IRS990ScheduleO/GeneralExplanation/Identifier	16	Form 990-EZ, Part I, Line 16.1002
IRS990ScheduleO/GeneralExplanation/ReturnReference	0	Total Liabilities.1008
IRS990ScheduleO/GeneralExplanation/ReturnReference	1	Total Liabilities.1006
IRS990ScheduleO/GeneralExplanation/ReturnReference	2	Total Liabilities.1001
IRS990ScheduleO/GeneralExplanation/ReturnReference	3	Other Assets.1
IRS990ScheduleO/GeneralExplanation/ReturnReference	4	Other Assets.1005
IRS990ScheduleO/GeneralExplanation/ReturnReference	5	Other Assets.1004
IRS990ScheduleO/GeneralExplanation/ReturnReference	6	Other Expenses.9
IRS990ScheduleO/GeneralExplanation/ReturnReference	7	Other Expenses.8
IRS990ScheduleO/GeneralExplanation/ReturnReference	8	Other Expenses.7
IRS990ScheduleO/GeneralExplanation/ReturnReference	9	Other Expenses.5
IRS990ScheduleO/GeneralExplanation/ReturnReference	10	Other Expenses.4
IRS990ScheduleO/GeneralExplanation/ReturnReference	11	Other Expenses.3
IRS990ScheduleO/GeneralExplanation/ReturnReference	12	Other Expenses.2
IRS990ScheduleO/GeneralExplanation/ReturnReference	13	Other Expenses.1
IRS990ScheduleO/GeneralExplanation/ReturnReference	14	Other Expenses.1009
IRS990ScheduleO/GeneralExplanation/ReturnReference	15	Other Expenses.1003
IRS990ScheduleO/GeneralExplanation/ReturnReference	16	Other Expenses.1002
ReturnHeader/BuildTS	0	2015-11-30 17:44:51Z
ReturnHeader/Filer/EIN	0	752698055
ReturnHeader/Filer/Name/BusinessNameLine1	0	FIRST STONE CREDIT CONSELING
ReturnHeader/Filer/NameControl	0	FIRS
ReturnHeader/Filer/Phone	0	9722351188
ReturnHeader/Filer/USAddress/AddressLine1	0	4372 SPRING VALLEY ROAD
ReturnHeader/Filer/USAddress/City	0	FARMERS BRANCH
ReturnHeader/Filer/USAddress/State	0	TX
ReturnHeader/Filer/USAddress/ZIPCode	0	75244
ReturnHeader/Officer/AuthorizeThirdParty	0	true
ReturnHeader/Officer/DateSigned	0	2014-01-15
ReturnHeader/Officer/Name	0	BRUCE SANIELSON
ReturnHeader/Officer/Title	0	CHAIRMAN/EX DIR
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine1	0	Bruce A Sostak PC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1	0	6524 Chinaberry Trail
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City	0	Plano
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State	0	TX
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode	0	75023
ReturnHeader/Preparer/Name	0	Bruce A Sostak
ReturnHeader/Preparer/Phone	0	9725670260
ReturnHeader/ReturnType	0	990EZ
ReturnHeader/TaxPeriodBeginDate	0	2012-03-01
ReturnHeader/TaxPeriodEndDate	0	2013-02-28
ReturnHeader/TaxYear	0	2012
ReturnHeader/Timestamp	0	2014-01-15T18:33:54-08:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990EZFacts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing

Assets: $209,806
Liabilities: $73,619
Net assets: $136,187
Revenue: $124,923
Expenses: $118,201
Net income: $6,722

	Balance Sheet			Operations
Year	Assets	Liabilities	Net Assets	Revenue	Expenses	Net Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$1.68	$0.27	$1.41	$0.05	$0.05	$0.00
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$1.68	$0.27	$1.41	$0.06	$0.07	$0.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$1.70	$0.27	$1.42	$0.08	$0.13	$0.05
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$1.75	$0.27	$1.47	$0.16	$0.12	$0.03
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$1.71	$0.27	$1.44	$0.12	$0.18	$0.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$1.77	$0.27	$1.49	$0.06	$0.18	$0.12
2016Detailed filing. Detailed filing data is available for this year.	$1.89	$0.27	$1.61	$0.24	$0.24	$0.00
2015Summary only. Only limited summary data is available for this year.	$1.89	$0.27		$0.73	$0.77	$0.04
2014Detailed filing. Detailed filing data is available for this year.	$1.93	$0.64	$1.29	$0.80	$0.87	$0.07
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.	$2.10	$0.74	$1.36	$1.25	$1.18	$0.07
2012Summary only. Only limited summary data is available for this year.	$2.03	$0.74	$1.29	$1.73	$1.92	$0.18