INCHARGE FINANCIAL SOLUTIONS: Form 990, tax year 2012
View the entire original 990 at ProPublica ↗
- Organization
- INCHARGE FINANCIAL SOLUTIONS (EIN 33-0770440)
- Tax period
- 2012-01-01 to 2012-12-31
- Filed
- 2013-08-14
- IRS object ID
- 201342269349303844
- Schema version
- 2012v2.1
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Timestamp | 2013-08-14T16:54:58-05:00 | Timestamp |
| Tax Period End Date | 2012-12-31 | TaxPeriodEndDate |
Preparer Firm PreparerFirm
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 521853933 | EIN |
Preparer Firm Business Name PreparerFirmBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | RIBIS JONES & MARESCA PA | BusinessNameLine1 |
Preparer Firm US Address PreparerFirmUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 10500 LITTLE PATUXENT PKWY SUITE | AddressLine1 |
| Address Line2 | 770 | AddressLine2 |
| City | COLUMBIA | City |
| State | MD | State |
| ZIP Code | 21044 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnType |
| Tax Period Begin Date | 2012-01-01 | TaxPeriodBeginDate |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 330770440 | EIN |
Name Name
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | INCHARGE DEBT SOLUTIONS | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Control | INCH | NameControl |
| Phone | 4072917770 | Phone |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 5750 MAJOR BLVD NO 300 | AddressLine1 |
| City | ORLANDO | City |
| State | FL | State |
| ZIP Code | 32819 | ZIPCode |
Officer Officer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | ETTA W MONEY | Name |
| Title | PRESIDENT & CEO | Title |
| Phone | 4072917770 | Phone |
| Date Signed | 2013-08-13 | DateSigned |
| Authorize Third Party | 1 | AuthorizeThirdParty |
Preparer Preparer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | DAVID JONES | Name |
| PTIN | P01361002 | PTIN |
| Phone | 4108840220 | Phone |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax Year | 2012 | TaxYear |
| Build TS | 2016-02-24 21:20:13Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Of Principal Officer Person | ETTA W MONEY | NameOfPrincipalOfficerPerson |
Address Principal Officer US AddressPrincipalOfficerUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 5750 MAJOR BLVD STE 300 | AddressLine1 |
| City | ORLANDO | City |
| State | FL | State |
| ZIP Code | 32819 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | 21202705 | GrossReceipts |
| Group Return For Affiliates | 0 | GroupReturnForAffiliates |
| Organization501c3 | X | Organization501c3 |
| Web Site | WWW.INCHARGE.ORG | WebSite |
| Type Of Organization Corporation | X | TypeOfOrganizationCorporation |
| Year Formation | 1997 | YearFormation |
| State Legal Domicile | NV | StateLegalDomicile |
| Activity Or Mission Description | INCHARGE DEBT SOLUTIONS (IDS) PROVIDES CREDIT, BANKRUPTCY AND HOUSING COUNSELING SERVICES TO THE GENERAL PUBLIC. THESE SERVICES INCLUDE EDUCATIONAL MATERIALS AND RESOURCES, SOLUTIONS-BASED COUNSELING, CLIENT DEBT MANAGEMENT PROGRAMS, BANKRUPTCY CREDIT COUNSELING AND PRE-DISCHARGE DEBTOR EDUCATION SERVICES, FORECLOSURE PREVENTION, HOMEBUYER EDUCATION, AND OTHER FINANCIAL LITERACY ACTIVITIES FOR THE BENEFIT OF THE GENERAL PUBLIC. | ActivityOrMissionDescription |
| Nbr Voting Members Governing Body | 10 | NbrVotingMembersGoverningBody |
| Nbr Independent Voting Members | 9 | NbrIndependentVotingMembers |
| Total Nbr Employees | 154 | TotalNbrEmployees |
| Total Nbr Volunteers | 0 | TotalNbrVolunteers |
| Total Gross UBI | 0 | TotalGrossUBI |
| Net Unrelated Business Txbl Income | 0 | NetUnrelatedBusinessTxblIncome |
| Contributions Grants Prior Year | 8176967 | ContributionsGrantsPriorYear |
| Contributions Grants Current Year | 7691064 | ContributionsGrantsCurrentYear |
| Program Service Revenue Prior Year | 13640225 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 12916180 | ProgramServiceRevenueCY |
| Investment Income Prior Year | 24225 | InvestmentIncomePriorYear |
| Investment Income Current Year | 34558 | InvestmentIncomeCurrentYear |
| Other Revenue Prior Year | 0 | OtherRevenuePriorYear |
| Other Revenue Current Year | 0 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 21841417 | TotalRevenuePriorYear |
| Total Revenue Current Year | 20641802 | TotalRevenueCurrentYear |
| Grants And Similar Amnts Prior Year | 0 | GrantsAndSimilarAmntsPriorYear |
| Grants And Similar Amnts CY | 0 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members Prior Year | 0 | BenefitsPaidToMembersPriorYear |
| Benefits Paid To Members CY | 0 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 10099309 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 6949759 | SalariesEtcCurrentYear |
| Total Prof Fundrsng Exp Prior Year | 0 | TotalProfFundrsngExpPriorYear |
| Total Prof Fundrsng Exp CY | 0 | TotalProfFundrsngExpCY |
| Total Fundrsng Exp Current Year | 47095 | TotalFundrsngExpCurrentYear |
| Other Expense Prior Year | 10765779 | OtherExpensePriorYear |
| Other Expenses Current Year | 13361408 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 20865088 | TotalExpensesPriorYear |
| Total Expenses Current Year | 20311167 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | 976329 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 330635 | RevenuesLessExpensesCY |
| Total Assets BOY | 7036106 | TotalAssetsBOY |
| Total Assets EOY | 7834987 | TotalAssetsEOY |
| Total Liabilities BOY | 1914217 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 2361971 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 5121889 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 5473016 | NetAssetsOrFundBalancesEOY |
| Info In Schedule O Part III | X | InfoInScheduleOPartIII |
| Mission Description | INCHARGE DEBT SOLUTIONS PROVIDES CREDIT, BANKRUPTCY AND HOUSING COUNSELING SERVICES TO THE GENERAL PUBLIC. THESE SERVICES INCLUDE EDUCATIONAL MATERIALS AND RESOURCES, SOLUTIONS-BASED COUNSELING, CLIENT DEBT MANAGEMENT PROGRAMS, BANKRUPTCY CREDIT COUNSELING AND PRE-DISCHARGE DEBTOR EDUCATION SERVICES, FORECLOSURE PREVENTION, HOMEBUYER EDUCATION, AND OTHER FINANCIAL LITERACY ACTIVITIES FOR THE BENEFIT OF THE GENERAL PUBLIC. | MissionDescription |
| Significant New Program Services | 0 | SignificantNewProgramServices |
| Significant Change | 0 | SignificantChange |
| Expense | 10061707 | Expense |
| Description | CREDIT COUNSELING AND EDUCATION - 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 54,000 FINANCIALLY DISTRESSED INDIVIDUALS RECEIVED CREDIT COUNSELING AND FINANCIAL EDUCATIONAL MATERIALS DURING 2012. 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. | Description |
Activity2 Activity2
| Field | Value | IRS element (for citing) |
|---|---|---|
| Expense | 3465573 | Expense |
| Revenue | 8620416 | Revenue |
| Description | DEBT MANAGEMENT - 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 THE CLIENT'S NEEDS. | Description |
Activity3 Activity3
| Field | Value | IRS element (for citing) |
|---|---|---|
| Expense | 4209516 | Expense |
| Revenue | 3461419 | Revenue |
| Description | BANKRUPTCY COUNSELING AND DEBTOR EDUCATION - 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 DEBTOR EDUCATION PROGRAMS. BOTH PROGRAMS ISSUE CERTIFICATES TO INDIVIDUALS WHO COMPLETE EACH PROGRAM AS REQUIRED BY THE TITLE 11 BANKRUPTCY CODE. DURING 2012, OVER 135,000 CERTIFICATES WERE ISSUED TO BANKRUPTCY PETITIONERS EVIDENCING THEIR SUCCESSFUL COMPLETION OF THE BANKRUPTCY CREDIT COUNSELING SESSION AND THE PERSONAL FINANCIAL MANAGEMENT COURSE. | Description |
Activity Other ActivityOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Expense | 1404547 | Expense |
| Revenue | 834345 | Revenue |
| Description | HOUSING COUNSELING AND EDUCATION - 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 A HOME 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 2012, OVER 10,000 HOUSING COUNSELING SESSIONS WERE CONDUCTED. | Description |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Other Program Service Exp | 1404547 | TotalOfOtherProgramServiceExp |
| Total Of Other Program Service Rev | 834345 | TotalOfOtherProgramServiceRev |
| Total Program Service Expense | 19141343 | TotalProgramServiceExpense |
| Described In501 C3 | 1 | DescribedIn501C3 |
| Schedule B Required | 1 | ScheduleBRequired |
| Political Activities | 0 | PoliticalActivities |
| Lobbying Activities | 0 | LobbyingActivities |
| Subject To Proxy Tax | 0 | SubjectToProxyTax |
| Donor Advised Funds | 0 | DonorAdvisedFunds |
| Conservation Easements | 0 | ConservationEasements |
| Collections Of Art | 0 | CollectionsOfArt |
| Credit Counseling | 1 | CreditCounseling |
| Term Or Permanent Endowments | 0 | TermOrPermanentEndowments |
| Report Land Bldg Equip | 1 | ReportLandBldgEquip |
| Report Invest Oth Securities | 0 | ReportInvestOthSecurities |
| Report Prog Rel Invest | 0 | ReportProgRelInvest |
| Report Other Assets | 1 | ReportOtherAssets |
| Report Other Liabilities | 1 | ReportOtherLiabilities |
| Report Fin48 Footnote | 1 | ReportFin48Footnote |
| Independent Audit Financial Stmt | 1 | IndependentAuditFinancialStmt |
| Consolidated Audit Financial Stmt | 1 | ConsolidatedAuditFinancialStmt |
| School | 0 | School |
| Foreign Office | 0 | ForeignOffice |
| Foreign Activities | 0 | ForeignActivities |
| More Than5000 K To Organizations | 0 | MoreThan5000KToOrganizations |
| More Than5000 K To Individuals | 0 | MoreThan5000KToIndividuals |
| Professional Fundraising | 0 | ProfessionalFundraising |
| Fundraising Activities | 0 | FundraisingActivities |
| Gaming | 0 | Gaming |
| Hospital | 0 | Hospital |
| Grants To Organizations | 0 | GrantsToOrganizations |
| Grants To Individuals | 0 | GrantsToIndividuals |
| Schedule J Required | 1 | ScheduleJRequired |
| Tax Exempt Bonds | 0 | TaxExemptBonds |
| Excess Benefit Transaction | 0 | ExcessBenefitTransaction |
| Prior Excess Benefit Transaction | 0 | PriorExcessBenefitTransaction |
| Loan To Officer Or DQP | 0 | LoanToOfficerOrDQP |
| Grant To Related Person | 0 | GrantToRelatedPerson |
| Bsnss Rltnshp With Organization | 0 | BsnssRltnshpWithOrganization |
| Bsnss Rltnshp Thru Family Member | 0 | BsnssRltnshpThruFamilyMember |
| Officer Entity With Bsnss Rltnshp | 0 | OfficerEntityWithBsnssRltnshp |
| Deductible Non Cash Contributions | 0 | DeductibleNonCashContributions |
| Deductible Contributions Of Art | 0 | DeductibleContributionsOfArt |
| Terminated | 0 | Terminated |
| Partial Liquidation | 0 | PartialLiquidation |
| Disregarded Entity | 0 | DisregardedEntity |
| Related Entity | 1 | RelatedEntity |
| Related Org Controlled Entity | 0 | RelatedOrgControlledEntity |
| Transfers To Exempt Non Chrtbl Org | 0 | TransfersToExemptNonChrtblOrg |
| Activities Conducted Partnership | 0 | ActivitiesConductedPartnership |
| Schedule O Required | 1 | ScheduleORequired |
| Number Forms Transmitted With1096 | 15 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 0 | NumberW2GIncluded |
| Compliance With Backup Witholding | 1 | ComplianceWithBackupWitholding |
| Number Of Employees | 154 | NumberOfEmployees |
| Employment Tax Returns Filed | 1 | EmploymentTaxReturnsFiled |
| Unrelated Business Income | 0 | UnrelatedBusinessIncome |
| Foreign Financial Account | 0 | ForeignFinancialAccount |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTrans |
| Taxable Party Notification | 0 | TaxablePartyNotification |
| Non Deductible Contributions | 0 | NonDeductibleContributions |
| Quid Pro Quo Contributions | 0 | QuidProQuoContributions |
| Form8282 Property Disposed Of | 0 | Form8282PropertyDisposedOf |
| Funds To Pay Premiums | 0 | FundsToPayPremiums |
| Premiums Paid | 0 | PremiumsPaid |
| Indoor Tanning Services | 0 | IndoorTanningServices |
| Info In Schedule O Part VI | X | InfoInScheduleOPartVI |
| Nbr Voting Governing Body Members | 10 | NbrVotingGoverningBodyMembers |
| Number Independent Voting Members | 9 | NumberIndependentVotingMembers |
| Family Or Business Relationship | 0 | FamilyOrBusinessRelationship |
| Delegation Of Management Duties | 0 | DelegationOfManagementDuties |
| Changes To Organizing Docs | 1 | ChangesToOrganizingDocs |
| Material Diversion Or Misuse | 0 | MaterialDiversionOrMisuse |
| Members Or Stockholders | 0 | MembersOrStockholders |
| Election Of Board Members | 0 | ElectionOfBoardMembers |
| Decisions Subject To Approval | 0 | DecisionsSubjectToApproval |
| Minutes Of Governing Body | 1 | MinutesOfGoverningBody |
| Minutes Of Committees | 1 | MinutesOfCommittees |
| Officer Mailing Address | 0 | OfficerMailingAddress |
| Local Chapters | 0 | LocalChapters |
| Form990 Provided To Governing Body | 0 | Form990ProvidedToGoverningBody |
| Conflict Of Interest Policy | 1 | ConflictOfInterestPolicy |
| Annual Disclosure Covered Persons | 1 | AnnualDisclosureCoveredPersons |
| Regular Monitoring Enforcement | 1 | RegularMonitoringEnforcement |
| Whistleblower Policy | 1 | WhistleblowerPolicy |
| Document Retention Policy | 1 | DocumentRetentionPolicy |
| Compensation Process CEO | 1 | CompensationProcessCEO |
| Compensation Process Other | 1 | CompensationProcessOther |
| Investment In Joint Venture | 0 | InvestmentInJointVenture |
| States Where Copy Of Return Is Filed | FL | StatesWhereCopyOfReturnIsFiled |
| States Where Copy Of Return Is Filed | IL | StatesWhereCopyOfReturnIsFiled |
| States Where Copy Of Return Is Filed | CA | StatesWhereCopyOfReturnIsFiled |
| States Where Copy Of Return Is Filed | MA | StatesWhereCopyOfReturnIsFiled |
| States Where Copy Of Return Is Filed | MS | StatesWhereCopyOfReturnIsFiled |
| States Where Copy Of Return Is Filed | NJ | StatesWhereCopyOfReturnIsFiled |
| States Where Copy Of Return Is Filed | OR | StatesWhereCopyOfReturnIsFiled |
| States Where Copy Of Return Is Filed | SC | StatesWhereCopyOfReturnIsFiled |
| Upon Request | X | UponRequest |
| Other Explain In Sch O | X | OtherExplainInSchO |
The Books Are In Care Of TheBooksAreInCareOf
Name Business NameBusiness
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | INCHARGE DEBT SOLUTIONS | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Telephone Number | 4072917770 | TelephoneNumber |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 5750 MAJOR BLVD SUITE 300 | AddressLine1 |
| City | ORLANDO | City |
| State | FL | State |
| ZIP Code | 32819 | ZIPCode |
Form990 Part VII Section A Form990PartVIISectionA (21 entries)
| TitleTitle | Average Hours Per WeekAverageHoursPerWeek | Average Hours Per Week RelatedAverageHoursPerWeekRelated | Individual Trustee Or DirectorIndividualTrusteeOrDirector | Reportable Comp From OrganizationReportableCompFromOrganization | Reportable Comp From Related OrgsReportableCompFromRelatedOrgs | Other CompensationOtherCompensation | OfficerOfficer | Key EmployeeKeyEmployee | Highest Compensated EmployeeHighestCompensatedEmployee |
|---|---|---|---|---|---|---|---|---|---|
| LONNIE RITZER | |||||||||
| TRUSTEE | 1.00 | 2.00 | X | 220 | 440 | 0 | |||
| VERONICA WHITELAW | |||||||||
| TRUSTEE | 2.00 | X | 700 | 0 | 0 | ||||
| HUGH BLEDDYN | |||||||||
| TRUSTEE | 2.00 | X | 0 | 0 | 0 | ||||
| FLORENCE WATFORD | |||||||||
| TRUSTEE | 2.00 | X | 700 | 0 | 0 | ||||
| DYLAN THOMAS | |||||||||
| TRUSTEE | 2.00 | X | 0 | 0 | 0 | ||||
| JOSEPH THOMAS | |||||||||
| TRUSTEE | 2.00 | X | 0 | 0 | 0 | ||||
| ROBERT RUIZ | |||||||||
| TRUSTEE | 1.00 | 2.00 | X | 314 | 627 | 0 | |||
| DARA DUGUAY | |||||||||
| TRUSTEE | 2.00 | X | 680 | 0 | 0 | ||||
| MAXINE SWEET | |||||||||
| TRUSTEE | 2.00 | X | 930 | 0 | 0 | ||||
| PATRICIA WEXLER | |||||||||
| TRUSTEE | 2.00 | X | 0 | 0 | 0 | ||||
| RICHARD ANDERSON | |||||||||
| TRUSTEE | 1.00 | 2.00 | X | 12500 | 12486 | 0 | |||
| PETER KENNEDY | |||||||||
| TRUSTEE | 1.00 | 1.00 | X | 330 | 330 | 0 | |||
| DR JOSEPH CHAVEZ | |||||||||
| TRUSTEE | 2.00 | X | 0 | 0 | 0 | ||||
| WILLIAM R MALSEED | |||||||||
| TREASURER | 41.00 | 4.00 | 178322 | 19813 | 11881 | X | |||
| JODI MCGREGOR | |||||||||
| SECRETARY | 41.00 | 4.00 | 163318 | 18147 | 28276 | X | |||
| ETTA W MONEY | |||||||||
| PRESIDENT & CEO | 49.00 | 1.00 | 219856 | 6799 | 47222 | X | |||
| SORAIA DEARAUJO | |||||||||
| V.P. OF OPERATIONS | 45.00 | 156817 | 0 | 23061 | X | ||||
| ROBERT DARROCH | |||||||||
| SOFTWARE ENGINEER | 45.00 | 105790 | 0 | 5435 | X | ||||
| FLORRIE YEE | |||||||||
| SENIOR DIRECTOR OF IT | 35.00 | 4.00 | 107143 | 11905 | 2384 | X | |||
| JAMES BOND | |||||||||
| MANAGER, SOFTWARE ENGINEERING | 45.00 | 100690 | 0 | 5566 | X | ||||
| CHRIS HENNINGSEN | |||||||||
| V.P. OF CONSUMER AWARENESS | 45.00 | 149801 | 0 | 7730 | X | ||||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 1198111 | TotalReportableCompFromOrg |
| Total Reportable Comp Frm Rltd Orgs | 70547 | TotalReportableCompFrmRltdOrgs |
| Total Other Compensation | 131555 | TotalOtherCompensation |
| Number Individuals GT100 K | 8 | NumberIndividualsGT100K |
| Formers Listed | 0 | FormersListed |
| Total Comp GT150 K | 1 | TotalCompGT150K |
| Compensation From Other Sources | 0 | CompensationFromOtherSources |
Contractor Compensation ContractorCompensation (5 entries)
| Address Line1AddressOfContractor/AddressUS/AddressLine1 | CityAddressOfContractor/AddressUS/City | StateAddressOfContractor/AddressUS/State | ZIP CodeAddressOfContractor/AddressUS/ZIPCode | Description Of ServicesDescriptionOfServices | CompensationCompensation |
|---|---|---|---|---|---|
| 13169 COLLECTION CENTER DRIVE | CHICAGO | IL | 60693 | PUBLIC SERVICE ANNOUNCEMENT | 3622803 |
| MICROSOFT ADCENTER | |||||
| ONE MICROSOFT WAY | REDMOND | WA | 980526399 | PUBLIC SERVICE ANNOUNCEMENT | 364972 |
| WHITEFORD TAYLOR & PRESTON | |||||
| SEVEN SAINT PAUL STREET | BALTIMORE | MD | 21202 | PROFESSIONAL SERVICES | 158955 |
| EQUIFAX AUTHENTICATION SERVICES | |||||
| PO BOX 4472 | ATLANDA | GA | 30302 | CREDIT BUREAU SERVICES | 139205 |
| AXIS | |||||
| 6851 TPC DRIVE | ORLANDO | FL | 32822 | PRINTING SERVICES | 125776 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Number Of Contractors GT100 K | 6 | NumberOfContractorsGT100K |
| All Other Contributions | 7691064 | AllOtherContributions |
| Total Contributions | 7691064 | TotalContributions |
Program Service Revenue ProgramServiceRevenue (3 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome |
|---|---|---|---|
| CLIENT PROCESSING FEES | 900099 | 8620416 | 8620416 |
| BANKRUPTCY COUNSELING AND DEBTOR | 900099 | 3461419 | 3461419 |
| HOUSING COUNSELING FEES | 900099 | 834345 | 834345 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | 12916180 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 35493 | TotalRevenueColumn |
| Exclusion | $35,493 | ExclusionAmount |
Gross Amount Sales Assets GrossAmountSalesAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 559968 | Securities |
Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 560903 | Securities |
Gain Or Loss GainOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | -935 | Securities |
Net Gain Or Loss Investments NetGainOrLossInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | -935 | TotalRevenueColumn |
| Exclusion | -$935 | ExclusionAmount |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 20641802 | TotalRevenueColumn |
| Related Or Exempt Function Income | 12916180 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 0 | UnrelatedBusinessRevenue |
| Exclusion | $34,558 | ExclusionAmount |
Comp Current Officers Directors CompCurrentOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 839695 | Total |
| Program Services | 554268 | ProgramServices |
| Management And General | 276117 | ManagementAndGeneral |
| Fundraising | 9310 | Fundraising |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 4677279 | Total |
| Program Services | 4677279 | ProgramServices |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 159313 | Total |
| Program Services | 151071 | ProgramServices |
| Management And General | 7973 | ManagementAndGeneral |
| Fundraising | 269 | Fundraising |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 826023 | Total |
| Program Services | 783287 | ProgramServices |
| Management And General | 41342 | ManagementAndGeneral |
| Fundraising | 1394 | Fundraising |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 447449 | Total |
| Program Services | 424299 | ProgramServices |
| Management And General | 22395 | ManagementAndGeneral |
| Fundraising | 755 | Fundraising |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 227766 | Total |
| Program Services | 113883 | ProgramServices |
| Management And General | 107050 | ManagementAndGeneral |
| Fundraising | 6833 | Fundraising |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 47958 | Total |
| Program Services | 23979 | ProgramServices |
| Management And General | 22540 | ManagementAndGeneral |
| Fundraising | 1439 | Fundraising |
Fees For Services Other FeesForServicesOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 171950 | Total |
| Program Services | 85971 | ProgramServices |
| Management And General | 80821 | ManagementAndGeneral |
| Fundraising | 5158 | Fundraising |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 5937 | Total |
| Program Services | 5629 | ProgramServices |
| Management And General | 299 | ManagementAndGeneral |
| Fundraising | 9 | Fundraising |
Information Technology InformationTechnology
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 168140 | Total |
| Program Services | 159441 | ProgramServices |
| Management And General | 8415 | ManagementAndGeneral |
| Fundraising | 284 | Fundraising |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 418856 | Total |
| Program Services | 397186 | ProgramServices |
| Management And General | 20963 | ManagementAndGeneral |
| Fundraising | 707 | Fundraising |
Travel Travel
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 87333 | Total |
| Program Services | 82815 | ProgramServices |
| Management And General | 4371 | ManagementAndGeneral |
| Fundraising | 147 | Fundraising |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 9734 | Total |
| Program Services | 9230 | ProgramServices |
| Management And General | 487 | ManagementAndGeneral |
| Fundraising | 17 | Fundraising |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1605 | Total |
| Program Services | 1521 | ProgramServices |
| Management And General | 81 | ManagementAndGeneral |
| Fundraising | 3 | Fundraising |
Other Expenses OtherExpenses (4 entries)
| DescriptionDescription | TotalTotal | Program ServicesProgramServices | Management And GeneralManagementAndGeneral | FundraisingFundraising |
|---|---|---|---|---|
| OVERHEAD SUPPORT | 5632729 | 5341314 | 281910 | 9505 |
| PUBLIC AWARENESS | 4589124 | 4351701 | 229679 | 7744 |
| EDUCATIONAL SERVICES & | 1634886 | 1631981 | 0 | 2905 |
| STATE LICENSING & PERMI | 157344 | 149204 | 7874 | 266 |
All Other Expenses AllOtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 208046 | Total |
| Program Services | 197284 | ProgramServices |
| Management And General | 10412 | ManagementAndGeneral |
| Fundraising | 350 | Fundraising |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 20311167 | Total |
| Program Services | 19141343 | ProgramServices |
| Management And General | 1122729 | ManagementAndGeneral |
| Fundraising | 47095 | Fundraising |
Savings And Temp Cash Investments SavingsAndTempCashInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 2762493 | BOY |
| EOY | 2251776 | EOY |
Pledges And Grants Receivable PledgesAndGrantsReceivable
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 179317 | BOY |
| EOY | 149076 | EOY |
Accounts Receivable AccountsReceivable
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 224046 | BOY |
| EOY | 87393 | EOY |
Inventories For Sale Or Use InventoriesForSaleOrUse
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 6872 | BOY |
| EOY | 1208 | EOY |
Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 284071 | BOY |
| EOY | 216259 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 6371324 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 6368657 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 6667 | BOY |
| EOY | 2667 | EOY |
Investments Pub Traded Securities InvestmentsPubTradedSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 2381156 | BOY |
| EOY | 3836896 | EOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1191484 | BOY |
| EOY | 1289712 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 7036106 | BOY |
| EOY | 7834987 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 731334 | BOY |
| EOY | 1075126 | EOY |
Escrow Account Liability EscrowAccountLiability
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1182883 | BOY |
| EOY | 1226575 | EOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 60270 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1914217 | BOY |
| EOY | 2361971 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Follow SFAS117 | X | FollowSFAS117 |
Unrestricted Net Assets UnrestrictedNetAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 4628869 | BOY |
| EOY | 5084381 | EOY |
Temporarily Restricted Net Assets TemporarilyRestrictedNetAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 493020 | BOY |
| EOY | 388635 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 5121889 | BOY |
| EOY | 5473016 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 7036106 | BOY |
| EOY | 7834987 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expenses | 330635 | ReconcilationRevenueExpenses |
| Reconciliation Unrealized Invest | 20492 | ReconciliationUnrealizedInvest |
| Reconcilation Other Changes | 0 | ReconcilationOtherChanges |
| Info In Schedule O Part XII | X | InfoInScheduleOPartXII |
| Method Of Accounting Accrual | X | MethodOfAccountingAccrual |
| Accountant Compile Or Review | 0 | AccountantCompileOrReview |
| FS Audited | 1 | FSAudited |
FS Audited Basis FSAuditedBasis
| Field | Value | IRS element (for citing) |
|---|---|---|
| Financial Statement Both | X | FinancialStatementBoth |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | 1 | AuditCommittee |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequired |
Schedule A IRS990ScheduleA
| Field | Value | IRS element (for citing) |
|---|---|---|
| Publicly Supported Org170b1 Avi | X | PubliclySupportedOrg170b1Avi |
Gifts Grants Contrib Received170 GiftsGrantsContribReceived170
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | 12091338 | CurrentTaxYearMinus4Years |
| Current Tax Year Minus3 Years | 10740515 | CurrentTaxYearMinus3Years |
| Current Tax Year Minus2 Years | 9403431 | CurrentTaxYearMinus2Years |
| Current Tax Year Minus1 Year | 8176967 | CurrentTaxYearMinus1Year |
| Current Tax Year | 7691064 | CurrentTaxYear |
| Total | 48103315 | Total |
Total170 Total170
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | 12091338 | CurrentTaxYearMinus4Years |
| Current Tax Year Minus3 Years | 10740515 | CurrentTaxYearMinus3Years |
| Current Tax Year Minus2 Years | 9403431 | CurrentTaxYearMinus2Years |
| Current Tax Year Minus1 Year | 8176967 | CurrentTaxYearMinus1Year |
| Current Tax Year | 7691064 | CurrentTaxYear |
| Total | 48103315 | Total |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Amounts Subst Contributors Total | 29329143 | AmountsSubstContributorsTotal |
| Public Support Total170 | 18774172 | PublicSupportTotal170 |
Gross Investment Income170 GrossInvestmentIncome170
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | 248994 | CurrentTaxYearMinus4Years |
| Current Tax Year Minus3 Years | 230979 | CurrentTaxYearMinus3Years |
| Current Tax Year Minus2 Years | 80544 | CurrentTaxYearMinus2Years |
| Current Tax Year Minus1 Year | 34416 | CurrentTaxYearMinus1Year |
| Current Tax Year | 35493 | CurrentTaxYear |
| Total | 630426 | Total |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Support | 48733741 | TotalSupport |
| Gross Receipts From Admissions Etc | 65691868 | GrossReceiptsFromAdmissionsEtc |
| Public Support Pertcentage170 | 0.38520 | PublicSupportPertcentage170 |
| Public Support Pertcent Prior Year | 0.56880 | PublicSupportPertcentPriorYear |
| Thirty Three Percnt Tests CY170 | X | ThirtyThreePercntTestsCY170 |
Schedule B IRS990ScheduleB
Contributor Info ContributorInfo
| Field | Value | IRS element (for citing) |
|---|---|---|
| Contributor Number | RESTRICTED | ContributorNumber |
Contributor Name Business ContributorNameBusiness
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | RESTRICTED | BusinessNameLine1 |
Contributor Address US ContributorAddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | RESTRICTED | AddressLine1 |
| Address Line2 | RESTRICTED | AddressLine2 |
| City | RESTRICTED | City |
| State | RESTRICTED | State |
| ZIP Code | RESTRICTED | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Aggregate Contributions | RESTRICTED | AggregateContributions |
Schedule D IRS990ScheduleD
| Field | Value | IRS element (for citing) |
|---|---|---|
| Agent Trustee Etc | 0 | AgentTrusteeEtc |
| Included On FS | 1 | IncludedOnFS |
| Explanation In Part XIII | X | ExplanationInPartXIII |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 6371324 | OtherCostOrOtherBasis |
| Depreciation | 6368657 | Depreciation |
| Book Value | 2667 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 2667 | TotalOfBookValueLandBuildings |
Other Assets OtherAssets (3 entries)
| DescriptionDescription | Book ValueBookValue |
|---|---|
| INTANGIBLE ASSETS (NET OF ACCUMULATED AMORTIZATION) | 2867 |
| RESTRICTED CASH | 1226575 |
| DEFERRED COMPENSATION | 60270 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Other Assets | 1289712 | TotalBookValueOtherAssets |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | DEFERRED COMPENSATION | Description |
| Amount | $60,270 | Amount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 60270 | TotalOfAmounts |
| Footnote In Part XIII | X | FootnoteInPartXIII |
| Tot Revenue Etc Audited Fincl Stmt | 20662294 | TotRevenueEtcAuditedFinclStmt |
| Net Unrealized Gains Investments | 20492 | NetUnrealizedGainsInvestments |
| Revenue Not Rptd F990 | 20492 | RevenueNotRptdF990 |
| Revenue Subtotal | 20641802 | RevenueSubtotal |
| Revenue Not Rptd On Fin Stmt | 0 | RevenueNotRptdOnFinStmt |
| Total Revenue Per Form990 | 20641802 | TotalRevenuePerForm990 |
| Tot Expenses Etc Audited Fincl Stmt | 20311167 | TotExpensesEtcAuditedFinclStmt |
| Expenses Not Rptd F990 | 0 | ExpensesNotRptdF990 |
| Expenses Subtotal | 20311167 | ExpensesSubtotal |
| Expenses Not Rptd On Fin Stmt | 0 | ExpensesNotRptdOnFinStmt |
| Total Expenses Per Form990 | 20311167 | TotalExpensesPerForm990 |
Form990 Schedule D Part XIII Form990ScheduleDPartXIII (2 entries)
| Return ReferenceReturnReference | ExplanationExplanation | IdentifierIdentifier |
|---|---|---|
| PART IV, LINE 2B: | FUNDS RECEIVED FROM CLIENTS PARTICIPATING IN THE DEBT MANAGEMENT PROGRAM ARE HELD IN VARIOUS SEPARATE FBO BANK ACCOUNTS UNTIL THEY ARE DISTRIBUTED TO CREDITORS AND CONTRIBUTIONS AND FEES ARE DISBURSED TO IDS. CERTAIN STATES REQUIRE THAT CASH ACCOUNTS BE HELD IN THE SAME STATE THAT FUNDS ARE RECEIVED. ALL RESTRICTED CASH ACCOUNTS ARE NOT AVAILABLE FOR IDS' OPERATING EXPENSES OR CREDITORS OF IDS. | |
| PART X, LINE 2: | IDS BELIEVES THAT IT HAS APPROPRIATE SUPPORT FOR ANY TAX POSITIONS TAKEN, AND AS SUCH, DOES NOT HAVE ANY UNCERTAIN TAX POSITIONS THAT ARE MATERIAL TO THE FINANCIAL STATEMENTS. | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Compensation Committee | X | CompensationCommittee |
| Independent Consultant | X | IndependentConsultant |
| Form990 Of Other Organizations | X | Form990OfOtherOrganizations |
| Compensation Survey | X | CompensationSurvey |
| Board Or Committee Approval | X | BoardOrCommitteeApproval |
| Severance Payment | 0 | SeverancePayment |
| Supplemental Nonqual Retire Plan | 1 | SupplementalNonqualRetirePlan |
| Equity Based Comp Arrangement | 0 | EquityBasedCompArrangement |
| Comp Based On Revenue Of Filing Org | 0 | CompBasedOnRevenueOfFilingOrg |
| Comp Based On Revenue Related Orgs | 0 | CompBasedOnRevenueRelatedOrgs |
| Comp Based Net Earnings Filing Org | 0 | CompBasedNetEarningsFilingOrg |
| Comp Based Net Earnings Relate Orgs | 0 | CompBasedNetEarningsRelateOrgs |
| Any Non Fixed Payments | 0 | AnyNonFixedPayments |
| Initial Contract Exception | 0 | InitialContractException |
Form990 Schedule J Part II Form990ScheduleJPartII (5 entries)
| TitleTitle | Base Compensation Filing OrgBaseCompensationFilingOrg | Comp Based On Related OrgsCompBasedOnRelatedOrgs | Bonus Filing OrgBonusFilingOrg | Bonus Related OrgsBonusRelatedOrgs | Other Compensation Filing OrgOtherCompensationFilingOrg | Other Compensation Related OrgsOtherCompensationRelatedOrgs | Deferred Comp Filing OrgDeferredCompFilingOrg | Deferred Comp Related OrgsDeferredCompRelatedOrgs | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg | Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs | Total Compensation Filing OrgTotalCompensationFilingOrg | Total Compensation Related OrgsTotalCompensationRelatedOrgs | Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg | Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| WILLIAM R MALSEED | ||||||||||||||
| TREASURER | 125873 | 13985 | 0 | 0 | 52449 | 5828 | 9451 | 1050 | 1242 | 138 | 189015 | 21001 | 35258 | 3918 |
| JODI MCGREGOR | ||||||||||||||
| SECRETARY | 157225 | 17470 | 0 | 0 | 6093 | 677 | 23936 | 2660 | 1512 | 168 | 188766 | 20975 | 0 | 0 |
| ETTA W MONEY | ||||||||||||||
| PRESIDENT & CEO | 208912 | 6461 | 0 | 0 | 10944 | 338 | 44467 | 1375 | 1339 | 41 | 265662 | 8215 | 0 | 0 |
| SORAIA DEARAUJO | ||||||||||||||
| V.P. OF OPERATIONS | 150817 | 0 | 0 | 0 | 6000 | 0 | 22581 | 0 | 480 | 0 | 179878 | 0 | 0 | 0 |
| CHRIS HENNINGSEN | ||||||||||||||
| V.P. OF CONSUMER AWARENESS | 143801 | 0 | 0 | 0 | 6000 | 0 | 7250 | 0 | 480 | 0 | 157531 | 0 | 0 | 0 |
Form990 Schedule J Part III Form990ScheduleJPartIII
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Reference | PART I, LINE 4B | ReturnReference |
| Explanation | INCHARGE INSTITUTE OF AMERICA (ICI), AN AFFILIATED ENTITY, HAS A NON-QUALIFIED DEFERRED COMPENSATION PLAN FOR CERTAIN KEY EXECUTIVES. UNDER THE DEFERRED COMPENSATION PLAN, ICI HAS DEFERRED PORTIONS OF THE PARTICIPATING EXECUTIVES' COMPENSATION. THE COMPENSATION BALANCE IS PAYABLE UPON 100% VESTING IN THE PLAN. THE DEFERRED COMPENSATION HAS BEEN INVESTED IN ANNUITY POLICIES. DURING 2012, WILLIAM MALSEED, TREASURER, RECEIVED A NON-QUALIFIED DISTRIBUTION OF $42,675. | Explanation |
Schedule O IRS990ScheduleO
General Explanation GeneralExplanation (7 entries)
| Return ReferenceReturnReference | ExplanationExplanation |
|---|---|
| FORM 990, PART VI, SECTION A, LINE 4 | IN FEBRUARY 2012, THE ORGANIZATIONAL STRUCTURE FOR IDS WAS CHANGED. PRIOR TO THAT DATE, INCHARGE INSTITUTE OF AMERICA, INC. (ICI) WAS ITS SOLE MEMBER AND HAD THE POWER TO APPOINT ALL IDS BOARD MEMBERS. IDS IS NO LONGER A MEMBERSHIP ORGANIZATION, AND ITS BOARD NOW HAS THE AUTHORITY TO APPOINT ITS BOARD MEMBERS. IDS MAINTAINS ITS AFFILIATION WITH ICI IN ACCORDANCE WITH THE TERMS OF A SERVICE AGREEMENT IN WHICH ICI WILL CONTINUE TO PROVIDE SUPPORT SERVICES TO IDS FOR A FEE. IN ADDITION, IDS IS ALSO AFFILIATED WITH THE INCHARGE EDUCATION FOUNDATION (THE FOUNDATION) UNDER AN AGREEMENT IN WHICH THE FOUNDATION WILL DEVELOP AND FURNISH PERSONAL FINANCIAL EDUCATIONAL PROGRAMS AND SERVICES TO IDS FOR A FEE. THE GOVERNING DOCUMENTS FOR ALL THREE ORGANIZATIONS HAVE BEEN REVISED TO REFLECT THESE CHANGES. |
| FORM 990, PART VI, SECTION B, LINE 11 | THE DIRECTOR OF FINANCE, TREASURER, AUDIT COMMITTEE, AND THE PRESIDENT & CEO OF INCHARGE DEBT SOLUTIONS REVIEW AND APPROVE THE FORM 990 PRIOR TO ITS FILING. |
| FORM 990, PART VI, SECTION B, LINE 12C | OFFICERS, DIRECTORS, 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. |
| FORM 990, PART VI, SECTION B, LINE 15 | THE ORGANIZATION HAS A SEPARATE BOARD APPOINTED COMPENSATION COMMITTEE THAT DETERMINES THE SALARY OF THE OFFICERS ON AN ANNUAL BASIS. SALARY COMPARABILITY DATA AND PERFORMANCE IS REVIEWED FOR OFFICERS ANNUALLY. ON A REGULAR BASIS, AN INDEPENDENT COMPENSATION CONSULTANT MAY BE USED TO PERFORM A COMPENSATION SURVEY OR STUDY. KEY EMPLOYEES MAY RECEIVE INCREASES AND ARE ELIGIBLE FOR INCREASES BASED ON PERFORMANCE. PERIODICALLY, KEY EMPLOYEES' SALARIES ARE COMPARED TO MARKET DATA. THE LAST COMPENSATION REVIEW WAS CONDUCTED IN JANUARY - FEBRUARY 2013. |
| 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. |
| FORM 990, PART XII, LINE 2C: | THE ORGANIZATION'S AUDIT COMMITTEE IS RESPONSIBLE FOR SELECTING AN INDEPENDENT ACCOUNTANT AND OVERSEEING THE AUDIT OF ITS FINANCIAL STATEMENTS ON AN ANNUAL BASIS. THE PROCESS HAS NOT CHANGED DURING THE TAX YEAR. |
Schedule R IRS990ScheduleR
Form990 Schedule R Part II Form990ScheduleRPartII (2 entries)
| Address Line1AddressUS/AddressLine1 | CityAddressUS/City | StateAddressUS/State | ZIP CodeAddressUS/ZIPCode | EINEIN | Primary ActivitiesPrimaryActivities | Legal Domicile StateLegalDomicileState | Exempt Code SectionExemptCodeSection | Public Charity StatusPublicCharityStatus | Direct Controlling Entity NADirectControllingEntityNA | Controlled OrgControlledOrg | Business Name Line1DirectControllingEntityName/BusinessNameLine1 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| INCHARGE INSTITUTE OF AMERICA INC | |||||||||||
| 5750 MAJOR BLVD SUITE 320 | ORLANDO | FL | 32819 | 522196183 | GENERAL AND ADMINISTRATIVE SUPPORT SERVICES | DE | 501(C)(3) | LINE 11C, III-FI | 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 11B, II | 0 | INCHARGE INSTITUTE OF AMERICA | |
Form990 Schedule R Part IV Form990ScheduleRPartIV
Name Of Related Org NameOfRelatedOrg
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | NATIONAL CREDIT COUNSELING SERVICES INC | BusinessNameLine1 |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 5750 MAJOR BLVD SUITE 300 | AddressLine1 |
| City | ORLANDO | City |
| State | FL | State |
| ZIP Code | 32819 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 521799746 | EIN |
| Primary Activity | DISSOLVED IN 2012 | PrimaryActivity |
| Legal Domicile State | MD | LegalDomicileState |
Direct Controlling Entity Name DirectControllingEntityName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | INCHARGE INSTITUTE OF AMERICA INC | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Type Of Entity | C | TypeOfEntity |
| Controlled Org | 0 | ControlledOrg |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Receipt Of Int Ann Rents Royalties | 0 | ReceiptOfIntAnnRentsRoyalties |
| Gift Grant Or Cap Contr To Other Org | 0 | GiftGrantOrCapContrToOtherOrg |
| Gift Grant Or Cap Contr Fr Other Org | 0 | GiftGrantOrCapContrFrOtherOrg |
| Loans Or Guarantees To Other Org | 0 | LoansOrGuaranteesToOtherOrg |
| Loans Or Guarantees From Other Org | 0 | LoansOrGuaranteesFromOtherOrg |
| Dividends Related Organization | 0 | DividendsRelatedOrganization |
| Sale Of Assets To Other Org | 0 | SaleOfAssetsToOtherOrg |
| Purchase Of Assets From Other Org | 0 | PurchaseOfAssetsFromOtherOrg |
| Exchange Of Assets | 0 | ExchangeOfAssets |
| Rental Of Facilities To Other Orgs | 0 | RentalOfFacilitiesToOtherOrgs |
| Rental Of Facilities Fr Other Orgs | 0 | RentalOfFacilitiesFrOtherOrgs |
| Perform Of Services For Other Orgs | 1 | PerformOfServicesForOtherOrgs |
| Perform Of Services By Other Orgs | 1 | PerformOfServicesByOtherOrgs |
| Sharing Of Facilities | 1 | SharingOfFacilities |
| Sharing Of Paid Employees | 1 | SharingOfPaidEmployees |
| Reimbursement Paid To Other Org | 0 | ReimbursementPaidToOtherOrg |
| Reimbursement Paid By Other Org | 0 | ReimbursementPaidByOtherOrg |
| Other Transfer To Other Org | 1 | OtherTransferToOtherOrg |
| Other Transfer From Other Org | 1 | OtherTransferFromOtherOrg |