Civic Intelligence

Dealing with Debt

990EZ • Fiscal year 2023 • EIN 93-3339318

Jan 01, 2023 to Dec 31, 2023 • Filed on Nov 13, 2024

Organization Profiledealingwithdebt.org
Pobox 65307Baltimore, MD 21209

(410) 499-5511

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2023

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2023

Net Margin

67th percentile

14%

Higher net margin than 67% of similar nonprofits.

2023 filings • 501(c)3 • <$500k nonprofits • Source year 2023

Top Officer Pay

78th percentile

$0

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2023 filings • 501(c)3 • <$500k nonprofits • Source year 2023

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2023

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2023

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

$13,081

No earlier filing loaded for comparison.

Net Assets

$13,081

No earlier filing loaded for comparison.

Liabilities

-

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet Margin67th percentile

Revenue

$94,000

No earlier filing loaded for comparison.

Expenses

$80,919

No earlier filing loaded for comparison.

Net Income

$13,081

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$300K$200K$100K$0Assets 2023: $13,081Net Assets 2023: $13,0812023Assets 2024: $292,587Liabilities 2024: $0Net Assets 2024: $292,5872024

Highlighted filing

2023

Assets$13,081
Liabilities-
Net Assets$13,081
Open 2023 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0Revenue 2023: $94,000Expenses 2023: $80,919Net Income 2023: $13,0812023Revenue 2024: $440,000Expenses 2024: $160,494Net Income 2024: $279,5062024

Highlighted filing

2023

Revenue$94,000
Expenses$80,919
Net Income$13,081
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 13, 2024
Return Version
2023v5.1
Gross Receipts
$94,000
Mission and Program Overview

Mission

Through an online social media platform, help people reduce financial stress by providing a supportive community and financial literacy content and courses.

The nonprofit organization is organized and shall be operated exclusively for charitable, scientific, educational and other purposes as set forth in and within the meaning of section 501(c)(3) of the internal revenue code of 1986, as amended, or as interpreted by the treasury regulations promulgated thereunder.

Program Services

DescriptionGrantsExpenses
DEALING WITH DEBT PLANS TO CREATE AND OFFER ONLINE FINANCIAL LITERACY COURSES TO YOUTH AND ADULTS.$250-
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
DESMOND L STINNIEDirectorPT$0--
BRENT J LOWDERDirectorFT$0--
SHAWN Z TARRANTDirectorPT$0--
Filing and Contact Details

Filer

Filer Name
Dealing With Debt
EIN
93-3339318
Phone
4104995511
Address
POBOX 65307, BALTIMORE, MD 21209

Signing Officer

Name
Brent J Lowder
Title
Director
Signed
2024-11-13
Discuss with paid preparer
Yes

Preparer

Firm
Porter & Hunt Llp
Address
155 N RIVERVIEW DRIVE SUITE 115, ANAHEIM, CA 92808
Preparer
Stephen R Hesse CPA
Phone
9499167320
Supplemental Narrative

Additional Explanations

Other Expenses.1002

“Office Expenses $815”

Other Expenses.1003

“Information Technology $3000”

Other Expenses.1005

“Travel $3920”

Other Expenses.1

“LICENSES & PERMITS $1184”

Raw XML Appendix132 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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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Director
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IRS990EZ/OtherExpensesTotalAmt08919
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0THE NONPROFIT ORGANIZATION IS ORGANIZED AND SHALL BE OPERATED EXCLUSIVELY FOR CHARITABLE, SCIENTIFIC, EDUCATIONAL AND OTHER PURPOSES AS SET FORTH IN AND WITHIN THE MEANING OF SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED, OR AS INTERPRETED BY THE TREASURY REGULATIONS PROMULGATED THEREUNDER.
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IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt0250
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
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IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0TX
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IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
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IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt080919
IRS990EZ/TotalRevenueAmt094000
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
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IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/First5Years509Ind0X
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt094000
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt094000
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IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt00
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IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.00000
IRS990ScheduleA/PublicSupportTotal509Amt094000
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
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IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt094000
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IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt094000
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Information Technology $3000
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Travel $3920
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other Expenses.1002
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Other Expenses.1003
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Other Expenses.1005
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other Expenses.1
ReturnHeader/BuildTS02024-10-15 13:58:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0BRENT J LOWDER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Director
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-11-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DEALING WITH DEBT
ReturnHeader/Filer/BusinessNameControlTxt0DEAL
ReturnHeader/Filer/EIN0933339318
ReturnHeader/Filer/PhoneNum04104995511
ReturnHeader/Filer/USAddress/AddressLine1Txt0POBOX 65307
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ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
ReturnHeader/Filer/USAddress/ZIPCd021209
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0260526155
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ReturnHeader/PreparerPersonGrp/PhoneNum09499167320
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEPHEN R HESSE CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02024-11-13T16:05:13-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2023 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,081
Liabilities
-
Net assets
$13,081
Revenue
$94,000
Expenses
$80,919
Net income
$13,081
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.93$0.00$2.93$4.40$1.60$2.80
2023Detailed filing. Detailed filing data is available for this year.$0.13$0.13$0.94$0.81$0.13