Civic Intelligence

Consumer Debt Relief Initiative

EIN 85-3391179 • 501(c)6 • Washington, DC

Profile

The Consumer Debt Relief Initiative (CDRI) is dedicated to the protection and promotion of the debt settlement industry. We serve our members through educational development opportunities and advocacy before lawmakers, regulators and the public. CDRI is committed to advancing the highest consumer protection standards to ensure that debt-distressed consumers have access to safe and transparent solutions to achieve financial stability.

1717 Penn Ave NW 1025Washington, DC 20006

www.debtreliefadvocate.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

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

Source year 2025

Liabilities / Revenue

26th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • $500k-$1M nonprofits • Source year 2025

Net Margin

2nd percentile

-85%

Higher net margin than 2% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2025

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

1st percentile

-100%

Faster asset growth than 1% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Revenue Growth

1st percentile

-80%

Faster revenue growth than 1% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $748,689 (-100%) from 2024

Liabilities

Down

$0

Down $20,000 (-100%) from 2024

Net Assets

Down

$0

Down $728,689 (-100%) from 2024

Operations
Liabilities / Revenue26th percentileNet Margin2nd percentile

Revenue

Down

$501,250

Down $1,988,214 (-80%) from 2024

Expenses

Down

$929,520

Down $1,198,456 (-56%) from 2024

Net Income

Down

-$428,270

Down $789,758 (-218%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth1st percentile

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

$800K$600K$400K$200K$0Assets 2024: $748,689Liabilities 2024: $20,000Net Assets 2024: $728,6892024Assets 2025: $0Liabilities 2025: $0Net Assets 2025: $02025

Highlighted filing

2025

Assets$0
Liabilities$0
Net Assets$0
Open 2025 Filing

Operations Trend

Revenue Growth1st percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2024: $2,489,464Expenses 2024: $2,127,976Net Income 2024: $361,4882024Revenue 2025: $501,250Expenses 2025: $929,520Net Income 2025: -$428,2702025

Highlighted filing

2025

Revenue$501,250
Expenses$929,520
Net Income-$428,270
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$501,250
Expenses
$929,520
Net income
-$428,270
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$0.50$0.93$0.43
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.75$0.02$0.73$2.49$2.13$0.36
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Jun 30, 2025
Signed
Jul 1, 2025
Return Version
2024v5.2
Gross Receipts
$501,250
Mission and Program Overview

Mission

The Consumer Debt Relief Initiative (CDRI) is dedicated to the protection and promotion of the debt settlement industry. We serve our members through educational development opportunities and advocacy before lawmakers, regulators and the public. CDRI is committed to advancing the highest consumer protection standards to ensure that debt-distressed consumers have access to safe and transparent solutions to achieve financial stability.

Dedicated to the protection and promotion of the debt settlement industry.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$708,189$0▼ $708,189
Accounts Receivable$33,750$0▼ $33,750
Savings and Temporary Cash Investments-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$748,689$0▼ $748,689
Other Assets Total$6,750$0▼ $6,750
Liabilities
Accounts Payable and Accrued Expenses$20,000--
Total Liabilities$20,000$0▼ $20,000
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$728,689$0▼ $728,689
Total Net Assets Fund Balance$728,689$0▼ $728,689
Total Liabilities and Net Assets / Fund Balance$748,689$0▼ $748,689
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Michael BarsoumVice President
Angelo AnzaloneDirector
Corey ButcherDirector
Kris KehlerDirector
Rob MerrickDirector
Cliff AndrewsCEO
Michael HohosSecretary
Camilo ConchaTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CapCity Advocates LLCManagement Services1717 Penn Ave NW STE 1025, Washington, DC 20006$264,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$501,250
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-428,270
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$661,945
Grants and Similar Amounts Paid$267,575
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Orgs---$267,575
Fees for Services Management---$264,000
Fees for Services Lobbying---$177,931
Fees for Services Other---$83,874
Fees for Services Legal---$75,144
Fees for Services Accounting---$24,163
Advertising---$23,000
Conferences and Meetings---$5,000
Office Expenses---$3,471
Other Expenses---$3,270
Travel---$2,092
Total Functional Expenses$0$0$0$929,520
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Dealing with DebtBaltimore, MD501c3Program Support$265,000
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
In-house lobbying only
No
Subject to proxy tax
Yes

Reported Spending and Taxes

Line ItemAmount
Current Year Nondeductible Lobbying and Political Cost$177,931
Total Nondeductible Lobbying and Political Cost$-50,213
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
-See Part VSee Part VYes$264,000

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
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
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
Yes

Governance Explanations

Form 990, Part VI, Section A, line 1A

“The governing body delegates operational authority to the Executive Committee, which consists of the President, Vice-President, Treasurer, and Secretary.”

Form 990, Part VI, Section A, line 2

“Several board members have business relationships with other board members.”

Form 990, Part VI, Section A, line 3

“The Organization delegates certain management responsibilities to Capcity Advoates, LLC, a consulting firm with experience in these matters.”

Form 990, Part VI, Section A, line 7A

“Per the bylaws, the Board shall consist of one voting director appointed by the founding member (the "appointed director") and one or more directors elected by vote of the voting members (the "elected directors"), the specific number to be set by the board from time to time.”

Form 990, Part VI, Section B, line 11B

“Form 990 is prepared and the Board delegated authority to the CEO to review and file the final return because the association is dissolving.”

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

“All officers, directors and staff must disclose any conflicts of interest.”

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

“The compensation for the Organization's CEO, Executive Director and other top management officals are reviewed and voted on by the Board.”

Form 990, Part VI, Section C, line 19

“Governing documents are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Consumer Debt Relief Initiative
EIN
85-3391179
Phone
2025775467
Address
1717 Penn Ave NW 1025, Washington, DC 20006

Signing Officer

Name
Cliff Andrews
Title
Chief Executive Officer
Phone
2025775467
Signed
2025-07-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cliff Andrews
Formed
2020
Legal Domicile
De
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
18

Preparer

Firm
Rogers & Company PLLC
Address
8300 Boone Boulevard Suite 600, Vienna, VA 22182
Preparer
Yong Zhang CPA
Phone
7038930300
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Transfer to Association for Consumer Debt Relief -300,419.”

Raw XML Appendix387 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/MissionDesc0The Consumer Debt Relief Initiative (CDRI) is dedicated to the protection and promotion of the debt settlement industry. We serve our members through educational development opportunities and advocacy before lawmakers, regulators and the public. CDRI is committed to advancing the highest consumer protection standards to ensure that debt-distressed consumers have access to safe and transparent solutions to achieve financial stability.
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IRS990ScheduleN/AssetsDistributedInd01
IRS990ScheduleN/AttorneyGeneralNotifiedInd01
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessorInd01
IRS990ScheduleN/EmployeeOfSuccessorInd00
IRS990ScheduleN/LiabilitiesPaidInd01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0Cash
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0Association for Consumer Debt Relief
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02025-06-30
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0203796648
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt0300419
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(c)(6)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0FMV
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt01 Thomas Circle NW STE 700
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0Washington
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0DC
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd020005
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd01
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0Person(s) Involved: Corey Butcher and Kris Kehler.
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt1Explanation of Involvement: Corey Butcher and Kris Kehler were CDRI BOD members and will serve on the BOD of ACDR.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 2e:
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc1Part I, Line 2e:
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The governing body delegates operational authority to the Executive Committee, which consists of the President, Vice-President, Treasurer, and Secretary.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Several board members have business relationships with other board members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Organization delegates certain management responsibilities to Capcity Advoates, LLC, a consulting firm with experience in these matters.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Per the bylaws, the Board shall consist of one voting director appointed by the founding member (the "appointed director") and one or more directors elected by vote of the voting members (the "elected directors"), the specific number to be set by the board from time to time.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Form 990 is prepared and the Board delegated authority to the CEO to review and file the final return because the association is dissolving.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5All officers, directors and staff must disclose any conflicts of interest.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The compensation for the Organization's CEO, Executive Director and other top management officals are reviewed and voted on by the Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Governing documents are available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Transfer to Association for Consumer Debt Relief -300,419.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 1a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd01
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt0748689
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt0748689
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0929520
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt020000
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt020000
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0728689
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0501250
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0501250
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0501250
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt018
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0748689
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt02092
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01717 Penn Ave NW 1025
IRS990/USAddress/CityNm0Washington
IRS990/USAddress/StateAbbreviationCd0DC
IRS990/USAddress/ZIPCd020006
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.debtreliefadvocate.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Cliff Andrews
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Chief Executive Officer
ReturnHeader/BusinessOfficerGrp/PhoneNum02025775467
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-07-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Consumer Debt Relief Initiative
ReturnHeader/Filer/BusinessNameControlTxt0CONS
ReturnHeader/Filer/EIN0853391179
ReturnHeader/Filer/PhoneNum02025775467
ReturnHeader/Filer/USAddress/AddressLine1Txt01717 Penn Ave NW 1025
ReturnHeader/Filer/USAddress/CityNm0Washington
ReturnHeader/Filer/USAddress/StateAbbreviationCd0DC
ReturnHeader/Filer/USAddress/ZIPCd020006
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0582676261
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Rogers & Company PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt08300 Boone Boulevard Suite 600
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Vienna
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0VA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd022182
ReturnHeader/PreparerPersonGrp/PhoneNum07038930300
ReturnHeader/PreparerPersonGrp/PreparationDt02025-07-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Yong Zhang CPA
ReturnHeader/ReturnTs02025-07-01T11:06:03-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

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