2020-08-21T10:54:43-05:00 2019-12-31 521853933 JONES MARESCA & MCQUADE PA 10500 LITTLE PATUXENT PARKWAY SUITE 770 COLUMBIA MD 21044 990 2019-01-01 522196183 INCHARGE INSTITUTE OF AMERICA INC INCH 4072917770 5750 MAJOR BLVD NO 320 ORLANDO FL 32819 WILLIAM MALSEED SECRETARY/TREASURER 4072917770 2020-08-20 1 DAVID JONES P01361002 4108840220 64.88.174.3 2020-08-20 14:45:42 ED P 8135A10533E138772E75B7028466B6AE3A842BF5 8ACB69A3B5645F8543B25487A9D884FE7478624C 2019 2020-11-06 18:47:13Z X ETTA W MONEY 5750 MAJOR BLVD STE 320 ORLANDO FL 32819 3383802 0 X WWW.INCHARGE.ORG X 1999 DE INCHARGE INSTITUTE OF AMERICA PROVIDES GENERAL AND ADMINISTRATIVE SUPPORT TO ITS AFFILIATED ENTITIES. 3 2 26 2 0 0 0 0 3365620 3201205 8716 10517 39033 36000 3413369 3247722 0 439752 0 0 2286998 1879371 0 0 0 1124451 1326359 3411449 3645482 1920 -397760 2325322 2027645 444122 540839 1881200 1486806 X INCHARGE INSTITUTE OF AMERICA PROVIDES MANAGEMENT SUPPORT SERVICES TO ITS AFFILIATED ENTITIES. 0 0 2381404 439752 2216328 CREDIT COUNSELING AND EDUCATION - ICI PROVIDES ADMINISTRATIVE SUPPORT TO INCHARGE DEBT SOLUTIONS ("IDS") IN THE AREA OF CREDIT COUNSELING AND EDUCATION SERVICES. THIS PROGRAM ASSISTS CONSUMERS IN MANAGING THEIR PERSONAL FINANCES THROUGH THE PROVISION OF SOLUTIONS-BASED CREDIT COUNSELING, BUDGET PLANNING AND FINANCIAL EDUCATIONAL MATERIALS. SOLUTIONS-BASED COUNSELING IS DESIGNED TO FIND THE RIGHT SOLUTION FOR EACH DEBT DISTRESSED CONSUMER. OVER 64,000 FINANCIALLY DISTRESSED INDIVIDUALS RECEIVED CREDIT COUNSELING, AND FINANCIAL EDUCATIONAL MATERIALS DURING 2019. FINANCIAL EDUCATIONAL MATERIALS ASSIST CONSUMERS IN ACQUIRING AND IMPROVING MONEY MANAGEMENT SKILLS AND MANAGING CREDIT. CREDIT COUNSELING SERVICES ARE OFFERED IN PERSON FOR INDIVIDUALS RESIDING IN THE CENTRAL FLORIDA AREA, AND NATIONALLY OVER THE TELEPHONE AND THROUGH THE INTERNET. 647217 720237 DEBT MANAGEMENT - ICI PROVIDES ADMINISTRATIVE SUPPORT TO IDS IN THE AREA OF DEBT MANAGEMENT SERVICES. IDS OFFERS DEBT MANAGEMENT PROGRAMS TO ASSIST CONSUMERS IN PAYING OFF THEIR UNSECURED DEBTS AND TO BETTER MANAGE THEIR FINANCIAL OBLIGATIONS IN THE FUTURE. IDS PROCESSES DEBT PAYMENTS, ATTEMPTS TO SECURE A REDUCTION IN INTEREST RATES, AND ATTEMPTS TO ESTABLISH AFFORDABLE MONTHLY PAYMENTS ON THE CLIENTS' BEHALF. CLIENTS ARE PROVIDED INITIAL AND CONTINUING EDUCATIONAL ASSISTANCE THROUGH FINANCIAL EDUCATIONAL MATERIALS AND GUIDANCE IN FINANCIAL MATTERS AS DETERMINED BY THEIR NEEDS. 143603 174808 BANKRUPTCY COUNSELING/DEBTOR EDUCATION - ICI PROVIDES ADMINISTRATIVE SUPPORT TO IDS IN THE AREA OF BANKRUPTCY COUNSELING AND DEBTOR EDUCATION SERVICES. BANKRUPTCY LEGISLATION ENACTED BY CONGRESS IN 2005 REQUIRES INDIVIDUALS FILING FOR BANKRUPTCY TO COMPLETE A BANKRUPTCY CREDIT COUNSELING SESSION PRIOR TO FILING, AND AN INSTRUCTIONAL COURSE IN PERSONAL FINANCIAL MANAGEMENT (DEBTOR EDUCATION) PRIOR TO RECEIVING A BANKRUPTCY DISCHARGE. TO OFFER CONVENIENT, ON-DEMAND ACCESS TO THIS REQUIRED CONTENT, IDS PROVIDES INTERACTIVE WEB-BASED AND TELEPHONIC BANKRUPTCY CREDIT COUNSELING AND WEB-BASED DEBTOR EDUCATION PROGRAMS. BOTH PROGRAMS ISSUE CERTIFICATES TO INDIVIDUALS WHO COMPLETE EACH PROGRAM AS REQUIRED BY THE TITLE 11 BANKRUPTCY CODE. DURING 2019 APPROXIMATELY 17,000 CERTIFICATES WERE ISSUED TO BANKRUPTCY PETITIONERS EVIDENCING THEIR SUCCESSFUL COMPLETION OF THE BANKRUPTCY CREDIT COUNSELING SESSION AND THE PERSONAL FINANCIAL MANAGEMENT COURSE. 114467 89832 HOUSING COUNSELING AND EDUCATION - ICI PROVIDES ADMINISTRATIVE SUPPORT TO IDS IN THE AREA OF HOUSING COUNSELING AND EDUCATION SERVICES. IDS IS A LOCAL U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT ("HUD") APPROVED AGENCY IN THE STATE OF FLORIDA AND A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING ("NFCC"), WHICH ENABLES IDS TO SERVE CONSUMERS ON A NATIONWIDE BASIS. HOUSING COUNSELING SERVICES INCLUDE FORECLOSURE PREVENTION AND MORTGAGE DELINQUENCY COUNSELING, HOMEBUYER EDUCATION AND PRE-PURCHASE HOMEBUYER COUNSELING. FORECLOSURE PREVENTION AND MORTGAGE DELINQUENCY COUNSELING IS DESIGNED TO PROVIDE EXISTING BORROWERS WITH INFORMATION AND ASSISTANCE NEEDED TO AVOID FORECLOSURE. PROGRAM HIGHLIGHTS INCLUDE BUDGET PLANNING, EVALUATION OF ELIGIBILITY FOR LOAN MODIFICATION, ASSESSMENT OF ABILITY TO SUSTAIN HOME OWNERSHIP AND ALTERNATIVE HOUSING OPTIONS. HOMEBUYER EDUCATION IS DESIGNED TO BETTER PREPARE POTENTIAL HOMEOWNERS FOR HOMEOWNERSHIP. PARTICIPANTS EXAMINE THEIR HOUSING NEEDS, ANALYZE THEIR FINANCIAL SITUATION AND LEARN STRATEGIES TO IMPROVE FINANCIAL MANAGEMENT IN AN EFFORT TO BETTER PREPARE FOR HOMEOWNERSHIP. PARTICIPANTS ALSO LEARN HOW TO SHOP FOR A HOME, OBTAIN A MORTGAGE AND PREPARE FOR LIFE AS A HOMEOWNER. PRE-PURCHASE HOMEBUYER COUNSELING, A PERSONAL ONE-ON-ONE SESSION, IS OFFERED TO PROVIDE EDUCATION AND TIPS TO ASSIST POTENTIAL HOMEBUYERS IN IMPROVING FINANCIAL MANAGEMENT SKILLS AND UNDERSTANDING ALTERNATIVE SOURCES OF FUNDING AND MORTGAGE OPTIONS. DURING 2019, APPROXIMATELY 6,100 HOUSING COUNSELING SESSIONS WERE CONDUCTED. 54301 EDUCATIONAL PROGRAM DEVELOPMENT/OUTREACH - ICI PROVIDES ADMINISTRATIVE SUPPORT SERVICES TO INCHARGE EDUCATION FOUNDATION (THE "FOUNDATION") WHOSE MISSION IS TO PROVIDE EDUCATIONAL MATERIALS, PROGRAMS, AND OUTREACH SERVICES FOR IDS FINANCIALLY DISTRESSED INDIVIDUALS AND FAMILIES. THE FOUNDATION FULFILLS THIS MISSION BY PUBLISHING WEBSITE ARTICLES, NEWSLETTERS, ONLINE COURSES, INTERACTIVE TOOLS, AND WORKSHOPS THAT PROVIDE INFORMATION ABOUT MONEY MANAGEMENT, PERSONAL FINANCE AND THE RESPONSIBLE USE OF CREDIT. THE FOUNDATION, IN CONJUNCTION WITH IDS, ALSO CONDUCTS FREE FINANCIAL LITERACY WORKSHOPS AND HOMEBUYER EDUCATION CLASSES FOR THE GENERAL PUBLIC. DURING 2019, NEARLY 2,100 INDIVIDUALS ATTENDED THE SPONSORED EDUCATIONAL WORKSHOPS AND CLASSES. MILITARY MONEY, A FINANCIAL LITERACY OUTREACH INITIATIVE, PROVIDES FREE FINANCIAL EDUCATION AND TOOLS SUCH AS ONLINE ARTICLES, EBOOKS AND RADIO CLIPS TO SERVICE MEMBERS, VETERANS, AND THEIR FAMILIES. MILITARY MONEY RESOURCES CAN BE FOUND AT INCHARGE.ORG/MILITARY-MONEY AND INCLUDE INFORMATION, INSPIRATION AND TOOLS TO HELP SERVICE MEMBERS MAXIMIZE THEIR PERSONAL FINANCIAL POTENTIAL. MILITARY WEBSITE ARTICLES RECEIVED OVER 500,000 VISITS IN 2019. "MILITARY MONEY MINUTES" ARE RADIO CLIPS OFFERING TIMELY ONE-MINUTE FINANCIAL TIPS. THE TIPS ARE BROADCAST SIX TIMES PER DAY ON THE ARMED FORCES RADIO NETWORK AND HAVE A REACH OF ONE MILLION SERVICE MEMBERS. "MILITARY MONEY MINUTES" ARE ALSO MADE AVAILABLE AS PODCASTS ON ITUNES AND OTHER WEBSITES. TO HELP ACCOMPLISH ITS MISSION, THE FOUNDATION CONTINUALLY SEEKS PARTNERSHIPS WITH OTHER ORGANIZATIONS. 168768 89832 3340992 1 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 7 0 1 26 1 0 0 0 0 0 0 0 0 0 0 0 0 X 3 2 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 0 0 0 X INCHARGE INSTITUTE OF AMERICA INC 4072917770 5750 MAJOR BLVD SUITE 320 ORLANDO FL 32819 RICHARD ANDERSON TRUSTEE 1.00 1.00 X 325 10325 0 VERONICA WHITELAW TRUSTEE 1.00 1.00 X 325 325 0 FLORENCE WATFORD TRUSTEE 2.00 X 0 0 0 ETTA W MONEY PRESIDENT & CEO 1.00 49.00 X 10179 329113 65973 WILLIAM MALSEED SECRETARY/TREASURER 1.00 44.00 X 4058 198825 29443 14887 538588 95416 0 0 1 0 LEVEL 3 COMMUNICATIONS PO BOX 910182 DENVER CO 80291 COMMUNICATIONS SERVICES 178075 VERTICAL COMMUNICATIONS PO BOX 654180 DALLAS TX 75265 COMMUNICATIONS SERVICES 171214 JYP ORLANDO LLC 2658 DEL MAR HEIGHTS ROAD 558 DEL MAR CA 92014 IT SERVICES 127981 3 SUPPORT SERVICE INCOME 900099 3201205 3201205 3201205 11267 11267 36000 36000 108184 27146 108230 27850 -46 -704 -750 -750 3247722 3201205 0 46517 439752 439752 16253 6502 9751 1522796 1385071 137725 64652 58510 6142 172232 157166 15066 103438 93613 9825 3011 2725 286 4404 3986 418 32384 29308 3076 64490 58365 6125 807732 731011 76721 49669 44951 4718 3098 2804 294 145069 131290 13779 148083 134018 14065 PROGRAM SERVICES 28505 25797 2708 RECRUIT. & RELOCATION 14604 13217 1387 DUES & SUBSCRIPTIONS 11032 9984 1048 MISCELLANEOUS 9880 8942 938 4398 3980 418 3645482 3340992 304490 0 711879 738021 575710 562589 451425 386748 746090 732777 313422 13313 234817 289493 38069 37481 2325322 2027645 386065 475061 58057 65778 444122 540839 X 1881200 1486806 1881200 1486806 2325322 2027645 -397760 3366 0 X 0 0 0 X X 1 INCHARGE DEBT SOLUTIONS 330770440 7 1 3144037 0 1 3144037 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 X 1 1 SCHEDULE A, PAGE 5, SECTION D, PART IV, LINE 3 THE SUPPORTED ORGANIZATION'S (INCHARGE DEBT SOLUTIONS) OFFICERS ARE THE SAME INDIVIDUALS AS THE SUPPORTING ORGANIZATION'S (INCHARGE INSTITUTE OF AMERICA) OFFICERS. ACCORDINGLY, THE ESTABLISHMENT AND MONITORING OF INVESTMENT POLICIES AND DIRECTION PROVIDED AS TO THE USE OF INCOME AND ASSETS OF THE SUPPORTING ORGANIZATION ARE UNDER COMMON CONTROL. SCHEDULE A, PAGE 5, SECTION E, PART IV, LINE 2A THE FILING ORGANIZATION'S FUNCTIONAL AREAS (E.G. ACCOUNTING/FINANCE, LEGAL, HUMAN RESOURCES, AND INFORMATION TECHNOLOGY) PROVIDE GENERAL AND ADMINISTRATIVE "BACK-END" SUPPORT TO THE SUPPORTED ORGANIZATION (INCHARGE DEBT SOLUTIONS). WITHOUT THESE ESSENTIAL SERVICES, THE SUPPORTED ORGANIZATION WOULD NOT BE ABLE TO FUNCTION AND CARRY OUT ITS MISSION. THERE WERE NO OTHER ACTIVITIES CONDUCTED BY THE FILING ORGANIZATION. SCHEDULE A, PAGE 5, SECTION E, PART IV, LINE 2B THE GENERAL AND ADMINISTRATIVE SUPPORTING ACTIVITIES MENTIONED ABOVE PROVIDED BY INCHARGE INSTITUTE TO INCHARGE DEBT SOLUTIONS ARE ESSENTIAL TO ONGOING ACTIVITIES. IF NOT PROVIDED BY INCHARGE INSTITUTE, INCHARGE DEBT SOLUTIONS WOULD HAVE TO STAFF AND PROVIDE THE SERVICES. 296047 296047 0 450043 436730 13313 13313 DEFERRED RENT 65778 65778 0 INCHARGE EDUCATION FOUNDATION INC 5750 MAJOR BLVD ORLANDO FL 32819 200152720 439752 BOOK VALUE CONTRIBUTION OF IT HARDWARE AND SOFTWARE ASSETS TRANSFER OF INFORMATION TECHNOLOGY EQUIPMENT TO RELATED ENTITY TO SUPPORT BUSINESS OPERATIONS. 1 0 0 0 0 0 0 0 1 0 ETTA W MONEY PRESIDENT & CEO 9399 303893 600 19400 180 5820 1934 62539 45 1455 12158 393107 0 0 WILLIAM MALSEED SECRETARY/TREASURER 3636 178147 320 15680 102 4998 541 26502 48 2352 4647 227679 0 0 PART I, LINE 7 THE NON-FIXED PAYMENTS REPRESENT NOMINAL AMOUNTS GRANTED BY THE BOARD OF TRUSTEES IN RECOGNITION OF ANNUAL GOAL ACHIEVEMENTS AS SPECIFIED WITHIN THE STRATEGIC PLAN. PART I, QUESTION 3: A SEPARATE BOARD APPOINTED COMPENSATION COMMITTEE OF INCHARGE DEBT SOLUTIONS DETERMINES THE SALARY OF THE OFFICERS OF INCHARGE INSTITUTE OF AMERICA ON AN ANNUAL BASIS. SALARY COMPARABILITY DATA AND PERFORMANCE IS REVIEWED AS THE BASIS FOR OFFICER COMPENSATION ANNUALLY. ON A REGULAR BASIS, AN INDEPENDENT COMPENSATION CONSULTANT MAY BE USED TO PERFORM A COMPENSATION SURVEY OR STUDY. KEY EMPLOYEES MAY RECEIVE SALARY INCREASES BASED ON AN EVALUATION OF PERFORMANCE. PERIODICALLY, KEY EMPLOYEES' SALARIES ARE COMPARED TO MARKET DATA. THE LAST COMPENSATION REVIEW WAS CONDUCTED IN FEBRUARY 2020. FORM 990, PART VI, SECTION B, LINE 11B THE BOARD OF TRUSTEES, THE PRESIDENT & CEO, AND CFO REVIEW AND APPROVE THE FORM 990 PRIOR TO ITS FILING. FORM 990, PART VI, SECTION B, LINE 12C OFFICERS, TRUSTEES AND KEY EMPLOYEES ARE REQUIRED TO DISCLOSE ANY POTENTIAL CONFLICTS OF INTEREST ON A CONFLICT OF INTEREST FORM THAT IS COMPLETED ANNUALLY. POTENTIAL CONFLICTS ARE TO BE REPORTED TO THE ORGANIZATION AS SOON AS KNOWN. FOLLOW UP IS PERFORMED TO ENSURE ALL CONFLICT OF INTEREST FORMS ARE RECEIVED. ALL NOTED ITEMS ON CONFLICT OF INTEREST FORMS RECEIVED FROM OTHER THAN TRUSTEES ARE INVESTIGATED BEFORE PROVIDING THE FORMS TO THE GOVERNANCE COMMITTEE. NOTED ITEMS ON CONFLICT OF INTEREST FORMS RECEIVED FROM TRUSTEES ARE INVESTIGATED BY THE GOVERNANCE COMMITTEE. FORM 990, PART VI, SECTION B, LINE 15 A SEPARATE BOARD APPOINTED COMPENSATION COMMITTEE OF INCHARGE DEBT SOLUTIONS DETERMINES THE SALARY OF THE OFFICERS OF INCHARGE INSTITUTE OF AMERICA ON AN ANNUAL BASIS. SALARY COMPARABILITY DATA AND PERFORMANCE IS REVIEWED AS THE BASIS FOR OFFICER COMPENSATION ANNUALLY. ON A REGULAR BASIS, AN INDEPENDENT COMPENSATION CONSULTANT MAY BE USED TO PERFORM A COMPENSATION SURVEY OR STUDY. KEY EMPLOYEES MAY RECEIVE SALARY INCREASES BASED ON AN EVALUATION OF PERFORMANCE. PERIODICALLY, KEY EMPLOYEES' SALARIES ARE COMPARED TO MARKET DATA. THE LAST COMPENSATION REVIEW WAS CONDUCTED IN FEBRUARY 2020. FORM 990, PART VI, SECTION C, LINE 18 THE ORGANIZATION MAKES ITS FORM 1023 AND FORM 990 AVAILABLE TO THE PUBLIC UPON REQUEST. THE ORGANIZATION'S FORM 990 IS ALSO AVAILABLE ON GUIDESTAR.ORG. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION PROVIDES COPIES OF ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AS VALID REQUESTS ARE RECEIVED. INCHARGE DEBT SOLUTIONS 5750 MAJOR BLVD SUITE 300 ORLANDO FL 32819 330770440 FINANCIAL COUNSELING NV 501(C)(3) LINE 7 N/A 0 INCHARGE EDUCATION FOUNDATION INC 5750 MAJOR BLVD SUITE 310 ORLANDO FL 32819 200152720 DEVELOP FINANCIAL EDUCATIONAL MATERIALS AND RESOURCES DE 501(C)(3) LINE 12C, III-FI N/A 0 0 1 0 0 0 0 0 0 0 0 0 1 0 1 1 0 1 1 1