2011-01-27T16:11:30-08:00 2010-06-30 CLIFTON GUNDERSON LLP 3003 N CENTRAL AVENUE PHOENIX AZ 85012 990 2009-07-01 860593598 TAKE CHARGE AMERICA INC TAKE 6232666100 20620 N 19TH AVENUE PHOENIX AZ 850273585 DAVID H RICHARDSON 6232666100 2011-01-20 DAVID RICHARDSON 6022662248 2011-01-27 2009 2016-02-24 21:20:13Z DAVID H RICHARDSON 20620 N 19TH AVENUE PHOENIX AZ 85027 29812661 false X N/A X 1987 AZ Take Charge America, Inc. (TCA) provides educational credit counseling, housing counseling, bankruptcy counseling and debt management programs to the public. TCA also provides financial education to the public through a variety of methods. 6 5 479 0 0 70705 25602375 29581964 172596 111951 49948 9552 25824919 29774172 438664 779875 0 19059634 21503478 5550 10182 7165995 7015373 26664293 29304276 -839374 469896 33691293 32602187 14739891 13180889 18951402 19421298 The mission of Take Charge America, Inc. is to educate our clients true false 24358017 791177 28515581 TAKE CHARGE AMERICA, INC. (TCA) PROVIDES EDUCATIONAL CREDIT COUNSELING AND DEBT MANAGEMENT PLANS THROUGHOUT THE U.S., SERVING APPROXIMATELY 119,200 IN FISCAL YEAR 2010. TCA'S COMPREHENSIVE PROGRAMS PROVIDE FREE COUNSELING AND EDUCATIONAL MATERIALS TO EVERY INDIVIDUAL WHO SEEKS ASSISTANCE. TCA IS DEDICATED TO PROVIDING OPTIMUM EDUCATIONAL SERVICES AND CLIENT CARE AND ACHIEVES THIS GOAL BY EMBRACING TECHNOLOGY, STRIVING FOR EXCELLENCE AND NEVER FORGETTING THAT EVERY CLIENT DESERVES TIMELY AND INDIVIDUALIZED ASSISTANCE. WE PROVIDE EDUCATION, EDUCATIONAL MATERIALS AND A VARIETY OF COUNSELING SERVICES WITHOUT COST TO ALL CONSUMERS WHO SEEK OUR ASSISTANCE WITHOUT REGARD TO ACTUAL PLAN PARTICIPATION. WE ALSO FUND SUBSTANTIAL COMMUNITY ORIENTED FINANCIAL LITERACY PROGRAMS THAT CAN ULTIMATELY BENEFIT ALL CONSUMERS. WE USE A VARIETY OF MEDIA INCLUDING ONE-ON-ONE COUNSELING, COMPUTER SOFTWARE, WEB-BASED MATERIALS, ELECTRONIC TEXTBOOKS, FINANCIAL LITERACY CURRICULUM DEVELOPMENT AND DISSEMINATION, AS WELL AS SPECIAL POPULATION PROGRAMS TO FULFILL OUR EDUCATIONAL MISSION. 1282995 1061683 TCA PROVIDES HOUSING COUNSELING SERVICES TO ARIZONA RESIDENTS, AND SERVED APPROXIMATELY 5,100 CLIENTS IN FISCAL 2010. THE ORGANIZATION OBTAINED HUD APPROVAL IN APRIL 2008 AND HAS FORMED A TEAM OF DEDICATED HOUSING COUNSELORS TO ASSIST INDIVIDUALS WHO ARE EITHER CONSIDERING BUYING A HOME, OR WHO HAVE FALLEN ON DIFFICULT TIMES AND ARE NOW BEHIND ON THEIR MORTGAGE PAYMENTS. TCA'S COMPREHENSIVE PROGRAM PROVIDES FREE COUNSELING TO EVERY ARIZONA INDIVIDUAL WHO SEEKS ASSISTANCE. THE ORGANIZATION WAS SE 6571 4700 IN JANUARY 2010, THE ORGANIZATION RECEIVED APPROVAL FROM THE EOUST (EXECUTIVE OFFICES OF THE UNITED STATES TRUSTEES) TO PROVIDE PRE- BANKRUPTCY COUNSELING SERVICES. A TEAM OF BANKRUPTCY COUNSELORS ARE NOW PROVIDING BANKRUPTCY INFORMATION TO FINANCIALLY TROUBLED CONSUMERS IN 47 STATES. 25647583 true true false false false false false true false true true false false false false false false false false false false true false true false false false false false false true false false false false false false false false false false true 31 0 true 479 true false false false false false false false false false 6 5 true false false false false false false true true false false true true true true true true true true false AL AZ CA VT X DAVID H RICHARDSON CFO 6232666100 20620 N 19TH AVENUE PHOENIX AZ 85027 MICHAEL A HALL 5.00 X 111593 0 8144 DAVID HAINES 3.00 X 10000 0 0 PETER S ROSE 3.00 X 12408 0 0 DEAN NORRIS 3.00 X 11500 0 0 RALPH W GILBERTSEN 3.00 X 13089 0 0 DEBORAH C HAYNES 3.00 X 10000 0 0 JOHN J FISHER 40.00 X 312241 0 15010 KEVIN HALL 40.00 X 178137 0 13605 DAVID RICHARDSON 40.00 X 171010 0 14897 MARY E HALL 40.00 X 162540 0 10302 CAROL LOWN 40.00 X 74498 0 9299 ROBERT E FISHER 40.00 X 206899 0 12455 JOHN PAULICK 40.00 X 192826 0 9573 RODNEY L HOOD 40.00 X 178941 0 14811 MICHAEL SULLIVAN 40.00 X 154606 0 12725 COLLEEN FLOWERS 40.00 X 137057 0 9987 CHRIS SURMAN 40.00 X 134437 0 12530 CAROLYN MYERS 40 X 120927 8575 TERRENCE HALL 40 X 119067 8575 MAX SIMMONS 40 X 206294 14246 2518070 174734 15 true true false VENABLE LLP PO BOX 630798 BALTIMORE MD 21263 Legal & consulting 187377 1 70705 70705 Credit counseling 611600 28515581 28515581 Housing counseling 611600 1061683 1061683 Bankruptcy counseling 611600 4700 4700 29581964 113474 113474 36966 38489 -1523 -1523 -1523 Vending machine / other 611600 9552 9552 9552 29774172 29581964 121503 779875 779875 0 0 0 0 0 0 2426106 1468610 953787 3709 0 0 0 0 15666352 14419209 1247143 0 213501 198049 15333 119 1936385 1794666 141589 130 1261134 1128235 132225 674 0 0 0 0 127337 0 127337 0 51275 1000 50275 0 0 0 0 0 5550 5550 0 0 0 0 612557 273225 339332 0 209276 197506 11770 0 1282975 1139210 143765 0 424138 340782 83356 0 0 0 0 0 1355871 1248850 107021 0 133183 61638 71545 0 0 0 0 0 90792 84236 6556 0 379314 354041 25273 0 0 0 0 0 1756029 1637044 118985 0 116542 98187 18355 0 Licenses, fees, and permits 460218 418622 41596 0 Miscellaneous 15866 4598 11268 0 0 0 0 0 29304276 25647583 3646511 10182 1876394 3577739 9629544 9232175 77000 476475 290499 210026 420471 35493311 16647165 20519865 18846146 978989 158157 33691293 32602187 1679113 1208071 6065058 5917688 6979019 6034395 16701 20735 14739891 13180889 X 18951402 19350593 70705 18951402 19421298 33691293 32602187 X false true true X true true X 0 0 0 70705 70705 30504024 28678756 27050863 25602375 29581964 141417982 30504024 28678756 27050863 25602375 29652669 141488687 141488687 324557 623326 312828 171372 113474 1545557 324557 623326 312828 171372 113474 1545557 122631 173764 49948 9552 355895 143390139 0.98670 0.98610 0.01080 0.01160 X OTHER INCOME PART III, LINE 12; DESCRIPTION: VENDING MACHINE / OTHER; 2006: 122631.; 2007: 173764.; 2008: 10020.; 2009: 9552.; DESCRIPTION: TELEPHONE TAX REFUND; 2008: 39928.; RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false true 7422247 7422247 14882679 4613744 10268935 6171975 5807377 364598 7016410 6226044 790366 18846146 Accrued interest on long-term debt 14440 Deferred revenue 6295 20735 29774172 29304276 469896 469896 29775695 1523 1523 29774172 29774172 29305799 1523 1523 29304276 29304276 Pt IV Line 2b The organization provides educational credit counseling SERVICES AND FACILITATES DEBT MANAGEMENT PAYMENTS ON BEHALF OF ITS CLIENTS. CLIENT PAYMENTS ARE HELD IN TRUST AND SUBSEQUENTLY FORWARDED TO CREDITORS. Pt X The Company adopted the new accounting requirements for more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The Company determined that it was not required to record a liability for unrecognized tax benefits as a result of implementing the new requirements. Pt XII Line 2d Loss on sale of assets Pt XIII Line 2d Loss on sale of assets true UNIVERSITY OF ARIZONA PO BOX 3520 TUCSON AZ 85722 742652689 779875 TCAI Support 1 0 Pt I Line 2 The Organization provides annual operating support to TCAI (Take Charge America Institute) for the Financial Economic and Financial Education project and made contributions to the U of A Endowment and Building Funds. The Organization has three (3) seats on the TCAI Board, and reviews and approves the annual budget and monitors actual vs. budgeted expenditures. X true true X X X X X X false false false false false false false false false JOHN J FISHER 283538 28703 8570 6440 327251 KEVIN HALL 160125 4203 13809 5661 7944 191742 DAVID RICHARDSON 169807 1203 6953 7944 185907 MARY E HALL 156661 4703 1176 4437 5865 172842 ROBERT E FISHER 201696 5203 4154 8301 219354 JOHN PAULICK 191623 1203 5770 3803 202399 RODNEY L HOOD 174363 4578 7269 7542 193752 MICHAEL SULLIVAN 150644 3962 6245 6480 167331 MAX SIMMONS 206091 203 7787 6459 220540 Pt I Line 1b The Organization paid for travel costs to board meetings for spouses/ partners of out-of-town board members. This practice was changed via a March 2010 Board resolution. WILLIAM FISHER Family member 14118 Advisory board member false JOHN HALL Family member 11769 Advisory board member false Pt III, Line 2 The Organization obtained EOUST (Executive Offices of the United States Trustees) approval to initiate the provision of bankruptcy counseling services. Pt VI-A, Line 2 The President & CEO, Chief Operating Officer, and Chief Legal Officer are siblings. The Chief Operating Officer is the spouse of the Board Chair, and the Senior VP - Business Development is the son of the Board Chair. Pt VI-B, Line 11A The Form 990 is prepared by the Chief Financial Officer based on information supplied for the audit and other information provided by the accounting and human resource departments. The completed Form 990 is reviewed by an independent accounting firm, the CEO, Chief Legal Officer, and the full Board. Pt VI-B, Line 12c Officers, directors, and key employees are required to annually disclose any interests that could give rise to conflicts of interest. Discussions about the policy occur annually during a board meeting, and the Chief Financial Officer and Comptroller monitor new vendor relationships to ensure compliance. Pt VI-B, Line 15 Compensation of the organization's CEO is determined and approved by the Board Compensation Committee following a review of an independent compensation consultant report and Form 990's of comparable organizations. Pt VI-B, Line 15 Compensation of the organization's other officers is determined by the CEO following a review of an independent consultant report and Form 990's of comparable organizations. Pt VI-C, Line 19 The Organization does not make its governing documents or conflict of interest policy available to the public. It makes its financial statements available to the public through its compliance with state filing requirements. Pt XI, Line 2c The Organization compiles the financial statements, footnotes, and prepares the audit schedules requested by the independent accounting firm. The audit firm conducts the audit, and provides an audit report to the Organization's Audit Committee. The Audit Committee presents the results to the Board, which then votes to accept the audit. Sch. L, Pt IV Name of Person: William Fisher Advisory board member received a stipend for serving on the Audit Committee and reimbursement for spouse / partner board meeting travel; both were included in their Form 1099 Name of Person: John Hall Advisory board member received a stipend for serving on the Audit Committee and reimbursement for spouse / partner board meeting travel; both were included in their Form 1099