Civic Intelligence

Dealing with Debt

990 • Fiscal year 2024 • EIN 93-3339318

Jan 01, 2024 to Dec 31, 2024 • Filed on Nov 18, 2025

Organization ProfileDEALINGWITHDEBT.ORG
PO Box 65307Baltimore, MD 21209

(410) 499-5511

Siviq Scores

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

Liabilities / Assets

56th percentile

0.00x

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

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

Liabilities / Revenue

57th percentile

0.00x

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

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

Net Margin

94th percentile

64%

Higher net margin than 94% of similar nonprofits.

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

Top Officer Pay

88th percentile

$32,000

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 7.3% of source-year revenue.

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

Asset Growth

99th percentile

2137%

Faster asset growth than 99% of similar nonprofits.

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

Revenue Growth

97th percentile

368%

Faster revenue growth than 97% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$292,587

Up $279,506 (+2137%) from 2023

Net Assets

Up

$292,587

Up $279,506 (+2137%) from 2023

Liabilities

$0

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue57th percentileNet Margin94th percentile

Revenue

Up

$440,000

Up $346,000 (+368%) from 2023

Expenses

Up

$160,494

Up $79,575 (+98%) from 2023

Net Income

Up

$279,506

Up $266,425 (+2037%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth99th percentile

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

2024

Assets$292,587
Liabilities$0
Net Assets$292,587
Open 2024 Filing

Operations Trend

Revenue Growth97th percentile

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

2024

Revenue$440,000
Expenses$160,494
Net Income$279,506
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 18, 2025
Return Version
2024v5.0
Gross Receipts
$440,000
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$13,081$292,587▲ $279,506
Cash and Non-Interest-Bearing Accounts$13,081$926▼ $12,155
Total Assets$13,081$292,587▲ $279,506
Other Assets Total-$291,661-
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,081$292,587▲ $279,506
Total Liabilities and Net Assets / Fund Balance$13,081$292,587▲ $279,506

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$291,661--
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Shawn Z TarrantVice PresidePT$32,000$32,000

Board Members and Trustees

NameTitle
Desmond L StinniePresident
Addison WigginDirector
Ann BanksDirector
Jaun CahueDirector
Nick KosmasDirector
Brent J LowderSecretary
Shanna LowderTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Opulent Cloud CoWebsite App DevPO BOX 65307, Baltimore, MD 21209$172,799
Revenue and Support

Revenue Composition

Contributions and Grants
$440,000
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
All Other Contributions
$440,000
Change in Net Assets
$279,506
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$128,494
Salaries, Compensation, and Employee Benefits$32,000
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management-$48,000-$48,000
Advertising-$35,887-$35,887
Other Salaries and Wages-$32,000-$32,000
Information Technology-$20,612-$20,612
Travel-$20,447-$20,447
Fees for Services Accounting-$1,328-$1,328
Office Expenses-$1,220-$1,220
Fees for Services Legal-$1,000-$1,000
Total Functional Expenses$0$160,494$0$160,494
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
-Director/memberWebsite App Develop.No$172,799
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
Yes
Business relationship with family members
No
Business relationship with organization members
Yes
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI

“Note the single member related actions disclosed on line 7b below.”

Form 990, Page 6, Part VI, Line 6

“Organized with one(1)member, who is also a director and officer. The rest of the governing body are not members. They however are officers or directors.”

Form 990, Page 6, Part VI, Line 7A

“Board of directors can vote to add additional members of the governing body upon unanimous vote of all directors.(see line 6) directors (other than the initial 3) are elected by the the affirmative vote of the majority of the board.”

Form 990, Page 6, Part VI, Line 7B

“Yes, but the following actions require approval by the single member: (a)the election of directors; (b)any amendment of the certificate of formation; (c)a petition for judicial dissolution for the corporation; (d)disposing of all, or substantially all, of the assets of the corporation; (e)approval of a plan of merger for the corporation; (f)authorization of a plan of non-judicial dissolution for the corporation; and (g) revocation of a volutary dissolution proceeding for the corporation.”

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

“Form 990 is submitted to all directors/officers for review. When review is complete, the president signs and submits electronic authorization form to the tax preparer for filing of the return.”

Form 990, Page 6, Part VI, Line 12C

“Directors review and inquire about potential conflicts at quarterly meetings based on information/communications and disclosures from related members.”

Form 990, Page 6, Part VI, Line 15A

“Board of directors reviews compensation level of vice president periodically based on applicable work necessary to be performed.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public.”

Filing and Contact Details

Filer

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

Signing Officer

Name
Desmond L Stinnie
Title
President
Phone
4104995511
Signed
2025-11-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Desmond L Stinnie
Formed
2023
Legal Domicile
TX
Voting Board Members
8
Independent Board Members
8
Employees
0

Preparer

Firm
Jeffrey Pollack Chartered
Address
744 DULANEY VALLEY ROAD STE 11, TOWSON, MD 21204-5132
Preparer
Jeffrey Pollack CPA
Phone
4108213000
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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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IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0IN REFERENCE TO SCHEDULE L, PART IV, LINE 2: DIRECTOR IS 100% OWNER OF OPULENT CLOUD CO, PRIMARY WEBSITE APPLICATION DEVELOPMENT PROVIDER TO THE ORGANIZATION.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NOTE THE SINGLE MEMBER RELATED ACTIONS DISCLOSED ON LINE 7B BELOW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ORGANIZED WITH ONE(1)MEMBER, WHO IS ALSO A DIRECTOR AND OFFICER. THE REST OF THE GOVERNING BODY ARE NOT MEMBERS. THEY HOWEVER ARE OFFICERS OR DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD OF DIRECTORS CAN VOTE TO ADD ADDITIONAL MEMBERS OF THE GOVERNING BODY UPON UNANIMOUS VOTE OF ALL DIRECTORS.(SEE LINE 6) DIRECTORS (OTHER THAN THE INITIAL 3) ARE ELECTED BY THE THE AFFIRMATIVE VOTE OF THE MAJORITY OF THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3YES, BUT THE FOLLOWING ACTIONS REQUIRE APPROVAL BY THE SINGLE MEMBER: (A)THE ELECTION OF DIRECTORS; (B)ANY AMENDMENT OF THE CERTIFICATE OF FORMATION; (C)A PETITION FOR JUDICIAL DISSOLUTION FOR THE CORPORATION; (D)DISPOSING OF ALL, OR SUBSTANTIALLY ALL, OF THE ASSETS OF THE CORPORATION; (E)APPROVAL OF A PLAN OF MERGER FOR THE CORPORATION; (F)AUTHORIZATION OF A PLAN OF NON-JUDICIAL DISSOLUTION FOR THE CORPORATION; AND (G) REVOCATION OF A VOLUTARY DISSOLUTION PROCEEDING FOR THE CORPORATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FORM 990 IS SUBMITTED TO ALL DIRECTORS/OFFICERS FOR REVIEW. WHEN REVIEW IS COMPLETE, THE PRESIDENT SIGNS AND SUBMITS ELECTRONIC AUTHORIZATION FORM TO THE TAX PREPARER FOR FILING OF THE RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DIRECTORS REVIEW AND INQUIRE ABOUT POTENTIAL CONFLICTS AT QUARTERLY MEETINGS BASED ON INFORMATION/COMMUNICATIONS AND DISCLOSURES FROM RELATED MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BOARD OF DIRECTORS REVIEWS COMPENSATION LEVEL OF VICE PRESIDENT PERIODICALLY BASED ON APPLICABLE WORK NECESSARY TO BE PERFORMED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NO DOCUMENTS AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt013081
IRS990/TotalAssetsEOYAmt0292587
IRS990/TotalAssetsGrp/BOYAmt013081
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
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IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0292587
IRS990/TotalReportableCompFromOrgAmt032000
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0440000
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt013081
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0292587
IRS990/TravelGrp/ManagementAndGeneralAmt020447
IRS990/TravelGrp/TotalAmt020447
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
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IRS990/VotingMembersIndependentCnt08
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IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DESMOND L STINNIE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04104995511
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DEALING WITH DEBT
ReturnHeader/Filer/BusinessNameControlTxt0DEAL
ReturnHeader/Filer/EIN0933339318
ReturnHeader/Filer/PhoneNum04104995511
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ReturnHeader/Filer/USAddress/CityNm0BALTIMORE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0521924871
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JEFFREY POLLACK CHARTERED
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TOWSON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0212045132
ReturnHeader/PreparerPersonGrp/PhoneNum04108213000
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JEFFREY POLLACK CPA
ReturnHeader/ReturnTs02025-11-25T14:40:32-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$292,587
Liabilities
$0
Net assets
$292,587
Revenue
$440,000
Expenses
$160,494
Net income
$279,506
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