Civic Intelligence

Zero Debt Massachusetts Inc

EIN 84-1728379 • 501(c)3 • Canton, MA

Profile

Zdm is a grassroots organization driven by the voices and lived experiences of students, alumni, and families impacted by the national student debt crisis. We focus our organizing efforts in those communities most disproportionately impacted by the burden of student debt in massachusetts: low-income and communities of color. As an organization, we celebrate the strength we derive from our diverse backgrounds and bring those perspectives to our organizing work every single day.

14 Waterfall Drive Apt LCanton, MA 02021

zerodebtma.org

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.04x

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

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2024

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2024

Top Officer Pay

98th percentile

$102,288

Higher top officer pay than 98% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

13th percentile

-85%

Faster asset growth than 13% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

3rd percentile

-100%

Faster revenue growth than 3% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Down

$40,362

Down $236,578 (-85%) from 2023

Liabilities

Flat

$1,500

Flat from 2023

Net Assets

Down

$38,862

Down $236,578 (-86%) from 2023

Operations
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

Down

$0

Down $400,366 (-100%) from 2023

Expenses

Up

$236,578

Up $72,486 (+44%) from 2023

Net Income

Down

-$236,578

Down $472,852 (-200%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth13th percentile

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

$300K$200K$100K$0-$100KAssets 2019: $21,532Liabilities 2019: $1,254Net Assets 2019: $20,2782019Assets 2020: $8,208Liabilities 2020: $78,604Net Assets 2020: -$70,3962020Assets 2021: $27,151Liabilities 2021: $114,504Net Assets 2021: -$87,3532021Assets 2022: $39,167Liabilities 2022: $0Net Assets 2022: $39,1672022Assets 2023: $276,940Liabilities 2023: $1,500Net Assets 2023: $275,4402023Assets 2024: $40,362Liabilities 2024: $1,500Net Assets 2024: $38,8622024

Highlighted filing

2024

Assets$40,362
Liabilities$1,500
Net Assets$38,862
Open 2024 Filing

Operations Trend

Revenue Growth3rd percentile

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

$600K$400K$200K$0-$200K-$400KRevenue 2019: $152,350Expenses 2019: $132,072Net Income 2019: $20,2782019Revenue 2020: $244,492Expenses 2020: $335,166Net Income 2020: -$90,6742020Revenue 2021: $339,000Expenses 2021: $355,957Net Income 2021: -$16,9572021Revenue 2022: $421,116Expenses 2022: $294,596Net Income 2022: $126,5202022Revenue 2023: $400,366Expenses 2023: $164,092Net Income 2023: $236,2742023Revenue 2024: $0Expenses 2024: $236,578Net Income 2024: -$236,5782024

Highlighted filing

2024

Revenue$0
Expenses$236,578
Net Income-$236,578
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZXML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$40,362
Liabilities
$1,500
Net assets
$38,862
Revenue
$0
Expenses
$236,578
Net income
-$236,578
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.40$0.02$0.39$0.00$2.37$2.37
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.77$0.02$2.75$4.00$1.64$2.36
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.39$0.00$0.39$4.21$2.95$1.27
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.27$1.15$0.87$3.39$3.56$0.17
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.08$0.79$0.70$2.44$3.35$0.91
2019Detailed filing. Detailed filing data is available for this year.$0.22$0.01$0.20$1.52$1.32$0.20
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Sep 7, 2023
Return Version
2022v5.0
Gross Receipts
$421,116
Mission and Program Overview

Mission

Zero debt massachusetts organizes students, parents, and community members to amplify the voices and leadership of those most impacted by the burden of student debt in our cities and state. We are a network of inter-generational activists and organizations fighting for student borrowers' protections, reinvestment's in public higher education and a zero debt higher education finance system free from student debt.

Zero debt massachusetts, inc. (zdm) is a grassroots organization driven by the voices and lived experiences of students, alumni, and families impacted by the national student debt crisis. We focus our organizing efforts in those communities most disproportionately impacted by the burden of student debt in massachusetts: low-income and communities of color. As an organization, we celebrate the strength we derive from our diverse backgrounds and bring those perspectives to our organizing work every single day.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$26,620$39,167▲ $12,547
Land, Buildings, and Equipment, Net$531$0▼ $531
Total Assets$27,151$39,167▲ $12,016
Liabilities
Mortgage Notes Payable Secured by Investment Property$74,100--
Unsecured Notes Loans Payable$37,016--
Accounts Payable and Accrued Expenses$3,388--
Total Liabilities$114,504$0▼ $114,504
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-87,353$39,167▲ $126,520
Total Net Assets Fund Balance$-87,353$39,167▲ $126,520
Total Liabilities and Net Assets / Fund Balance$27,151$39,167▲ $12,016

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$1,594$1,594
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Claudio MartinezExecutive DirectorFT$110,000$42,638$152,638
Vanessa SnowPresident--$700$700

Board Members and Trustees

NameTitle
Ashley Rose SalomonDirector
Carlos RiosDirector
Emy TakinamiClerk
Peter BarrosTreasurer
Cisnell BaezVice Preisdent
Revenue and Support

Revenue Composition

Contributions and Grants
$421,116
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
All Other Contributions
$310,000
Change in Net Assets
$126,520
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$223,556
Other Expenses$71,040
Total Fundraising Expense$5,152
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$112,891$37,631-$150,522
Other Salaries and Wages$48,715--$48,715
Fees for Services Other$24,850$638$696$26,184
Payroll Taxes$12,835$2,913-$15,748
Other Employee Benefits$8,571--$8,571
Occupancy$5,596--$5,596
Fees for Services Accounting-$5,568-$5,568
Conferences and Meetings$158$3,257-$3,415
Office Expenses-$2,544-$2,544
Travel$1,720--$1,720
Depreciation Depletion-$531-$531
Insurance$340--$340
Other Expenses$143$7,087$590$143
Information Technology-$116-$116
Total Functional Expenses$229,159$60,285$5,152$294,596
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
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
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

“The form 990 is made available to the board of directors for review prior to filing”

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

“Zdm has a conflict of interest policy. All board and staff members are asked to report any activities that may give rise to conflicts once a year. The executive director monitors all financials, programmatic, and board and staff activities of the organization to make sure zdm is in compliance with its conflict of interest policy.”

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

“At a board of directors meeting, board members reviewed and approved the compensation of the executive director, after the board reviewed and discussed the reports presented by the executive director at the board meeting regarding the yearly successes and challenges of the organization and projected work plan, goals, and objectives.”

Form 990, Part VI, Section C, Line 19

“Zdm makes its governing documents and financial statements available to the public upon request”

Filing and Contact Details

Filer

Filer Name
Zero Debt Massachusetts Inc
EIN
84-1728379
Phone
6172400891
Address
14 WATERFALL DRIVE APT L, CANTON, MA 02021

Signing Officer

Name
Claudio Martinez
Title
Executive Director
Phone
6172400891
Signed
2023-09-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Claudio Martinez
Formed
2019
Legal Domicile
Ma
Voting Board Members
6
Independent Board Members
5
Employees
2
Volunteers
6

Preparer

Firm
Non Profit Capital Management LLC
Address
153 CLINTON RD, STERLING, MA 01564-2357
Preparer
Brian Kindorf
Phone
7819336732
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Community organizing consultants: program service expenses 24,850. Management and general expenses 0. Fundraising expenses 0. Total expenses 24,850. Fundraising consultants: program service expenses 0. Management and general expenses 0. Fundraising expenses 696. Total expenses 696. Payroll processing fees: program service expenses 0. Management and general expenses 638. Fundraising expenses 0. Total expenses 638.”

Raw XML AppendixShowing 400 of 407 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
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt0700
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
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IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt6EXECUTIVE DIRECTOR
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IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990ScheduleA/First5Years170Ind0X
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0421116
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0339000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0244492
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0150768
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01155376
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt01582
IRS990ScheduleA/OtherIncome170Grp/TotalAmt01582
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportTotal170Amt0154515
IRS990ScheduleA/SubstantialContributorsTotAmt01000861
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0421116
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0339000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0244492
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0150768
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01155376
IRS990ScheduleA/TotalSupportAmt01156958
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/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01594
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01594
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleJ/AnyNonFixedPaymentsInd00
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990ScheduleJ/InitialContractExceptionInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0110000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount030737
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt011901
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CLAUDIO MARTINEZ
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0EXECUTIVE DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0152638
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0CLAUDIO MARTINEZ, EXECTUTIVE DIRECTOR, RECEIVED A TAXABLE COMPENSATION GROSS-UP PAYMENT OF $10,737 ON HIS BONUS.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1A
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE FORM 990 IS MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ZDM HAS A CONFLICT OF INTEREST POLICY. ALL BOARD AND STAFF MEMBERS ARE ASKED TO REPORT ANY ACTIVITIES THAT MAY GIVE RISE TO CONFLICTS ONCE A YEAR. THE EXECUTIVE DIRECTOR MONITORS ALL FINANCIALS, PROGRAMMATIC, AND BOARD AND STAFF ACTIVITIES OF THE ORGANIZATION TO MAKE SURE ZDM IS IN COMPLIANCE WITH ITS CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AT A BOARD OF DIRECTORS MEETING, BOARD MEMBERS REVIEWED AND APPROVED THE COMPENSATION OF THE EXECUTIVE DIRECTOR, AFTER THE BOARD REVIEWED AND DISCUSSED THE REPORTS PRESENTED BY THE EXECUTIVE DIRECTOR AT THE BOARD MEETING REGARDING THE YEARLY SUCCESSES AND CHALLENGES OF THE ORGANIZATION AND PROJECTED WORK PLAN, GOALS, AND OBJECTIVES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ZDM MAKES ITS GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMMUNITY ORGANIZING CONSULTANTS: PROGRAM SERVICE EXPENSES 24,850. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 24,850. FUNDRAISING CONSULTANTS: PROGRAM SERVICE EXPENSES 0. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 696. TOTAL EXPENSES 696. PAYROLL PROCESSING FEES: PROGRAM SERVICE EXPENSES 0. MANAGEMENT AND GENERAL EXPENSES 638. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 638.
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 IX, LINE 11G
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt027151
IRS990/TotalAssetsEOYAmt039167
IRS990/TotalAssetsGrp/BOYAmt027151
IRS990/TotalAssetsGrp/EOYAmt039167
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalContributionsAmt0421116
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt05152
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt060285
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0229159
IRS990/TotalFunctionalExpensesGrp/TotalAmt0294596
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0114504
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt0114504
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-87353
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt039167
IRS990/TotalOtherCompensationAmt012601
IRS990/TotalProgramServiceExpensesAmt0229159
IRS990/TotalReportableCompFromOrgAmt0140737
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0421116
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt027151
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt039167
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt01720
IRS990/TravelGrp/TotalAmt01720
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt037016
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt014 WATERFALL DRIVE APT L
IRS990/USAddress/CityNm0CANTON
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd002021
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0ZERODEBTMA.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CLAUDIO MARTINEZ
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum06172400891
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-09-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ZERO DEBT MASSACHUSETTS INC
ReturnHeader/Filer/BusinessNameControlTxt0ZERO
ReturnHeader/Filer/EIN0841728379
ReturnHeader/Filer/PhoneNum06172400891
ReturnHeader/Filer/USAddress/AddressLine1Txt014 WATERFALL DRIVE APT L
ReturnHeader/Filer/USAddress/CityNm0CANTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd002021
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0383697447
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0NON PROFIT CAPITAL MANAGEMENT LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0153 CLINTON RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0STERLING
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0015642357
ReturnHeader/PreparerPersonGrp/PhoneNum07819336732
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRIAN KINDORF

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