2011-10-17T21:02:36-05:00 2010-12-31 RIBIS JONES & MARESCA PA 10500 LITTLE PATUXENT PARKWAY 770 COLUMBIA MD 21044 990 2010-01-01 522196183 INCHARGE INSTITUTE OF AMERICA INC INCH 4072917770 5750 MAJOR BLVD NO 300 ORLANDO FL 32819 ETTA W MONEY 4072917770 2011-10-17 1 DAVID A JONES 4108840220 2010 2016-03-07 17:11:31Z X ETTA W MONEY 5750 MAJOR BLVD STE 300 ORLANDO FL 32819 1074139 0 X WWW.INCHARGE.ORG X 1999 DE INCHARGE INSTITUTE OF AMERICA PROVIDES GENERAL AND ADMINISTRATIVE MANAGEMENT SUPPORT TO ITS AFFILIATED ENTITIES. 8 7 57 0 0 0 0 0 411794 20775 11905 10355 973890 1043009 1397589 1074139 0 0 0 0 853155 1063250 0 0 0 3608482 2993735 4461637 4056985 -3064048 -2982846 2885062 2448335 1319178 1610177 1565884 838158 X INCHARGE INSTITUTE OF AMERICA IS A 501(C)(3) NON-PROFIT ORGANIZATION WHOSE EMPLOYEES AND BOARD OF TRUSTEES PROVIDE OVERSIGHT AND EXECUTIVE LEADERSHIP TO INCHARGE DEBT SOLUTIONS, INCHARGE EDUCATION FOUNDATION, AND INCHARGE HOUSING COUNSELING SERVICES IN SUPPORT OF THEIR MISSIONS TO SERVE THE DEBT DISTRESSED, IMPROVE PERSONAL FINANCIAL LITERACY AND DEVELOP PROGRAMS THAT EDUCATE AND ENABLE CONSUMERS TO USE CREDIT RESPONSIBLY IN PURSUIT OF THEIR GOALS. 0 1 56836 20775 CREDIT EDUCATION AND COUNSELING SERVICES - ICI IS THE OWNER OF BRIGHTSCORE, AN INTERACTIVE WEBSITE THAT PROVIDES CONSUMERS WITH AN IN-DEPTH CREDIT REPORT ANALYSIS FROM AN EDUCATIONAL PERSPECTIVE. THIS PROGRAM PROVIDES CONSUMERS WITH A CUSTOMIZED OVERVIEW OF THEIR CREDIT REPORT ALONG WITH A PERSONALIZED ACTION PLAN. A DISPUTE CHECKLIST IS ALSO AVAILABLE TO HELP USERS EASILY IDENTIFY AND TRACK ANY INACCURACIES CONTAINED IN THEIR CREDIT FILE. IN ADDITION, THERE IS AN EXTENSIVE SUPPORT CENTER THAT ALLOWS AN INDIVIDUAL TO ACCESS A REPOSITORY OF EDUCATIONAL INFORMATION DEALING WITH HOW AN INDIVIDUAL'S CREDIT SCORE IS DETERMINED, THE IMPORTANCE OF THE CREDIT SCORE, AND SUGGESTIONS FOR HOW AN INDIVIDUAL CAN POSITIVELY IMPACT THE DETERMINATION OF THEIR SCORE. BRIGHTSCORE USERS ALSO BENEFIT FROM HAVING CERTIFIED CREDIT COUNSELORS AVAILABLE VIA THE TELEPHONE AND E-MAIL TO ANSWER ANY QUESTIONS THEY MAY HAVE ABOUT THEIR CREDIT REPORT. 56836 1 0 0 0 0 0 0 1 0 1 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 1 0 1 0 0 0 0 0 1 1 1 0 0 1 10 0 57 1 0 0 0 0 0 0 0 0 0 0 X 8 7 0 0 0 0 0 0 0 1 1 1 0 0 1 1 1 1 1 1 1 0 FL X INCHARGE INSTITUTE OF AMERICA INC 4072917770 5750 MAJOR BLVD SUITE 300 ORLANDO FL 32819 X DON W STEVENSON 1.00 X 0 0 0 LONNIE M RITZER 1.00 X 400 400 0 NORRIS OVERTON 1.00 X 400 400 0 PETER W KENNEDY 2.00 X 800 0 0 RICHARD ANDERSON 1.00 X 36267 533 0 ROBERT J RUIZ 1.00 X 500 500 0 WILLIAM S NORMAN 2.00 X 0 0 0 SANDRA CUNNINGHAM 2.00 X 0 0 0 ETTA W MONEY 10.00 X 59760 179280 54844 WILLIAM MALSEED 8.00 X 28741 122527 21550 JODI MCGREGOR 16.00 X 76316 109819 29505 MARK NAGIEL 10.00 X 31627 94881 9614 HUBERT RIVERA 6.00 X 15688 88896 6306 DAVID C JONES 0.00 X 60726 0 0 311225 597236 121819 0 1 1 0 WHITEFORD TAYLOR & PRESTON SEVEN SAINT PAUL STREET BALTIMORE MD 21202 LEGAL SERVICES 568564 AXIS 6851 TPC DRIVE ORLANDO FL 32822 PRINTING AND MAILING SERVICES 345000 RIBIS JONES & MARESCA PA 10500 LITTLE PATUXENT PARKWAY SUIT COLUMBIA MD 21044 AUDIT AND ACCOUNTING SERVICES 125227 SUTHERLAND ASBILL & BRENNAN LLP 1275 PENNSYLVANIA AVE NW WASHINGTON DC 20004 LEGAL SERVICES 108823 4 EDUCATION & COUNSELING 611600 20775 20775 20775 10355 10355 522628 522628 497772 497772 497772 497772 PROCEEDS FROM SALE OF 900099 22609 22609 22609 1074139 20775 0 1053364 203184 5709 197475 719849 20267 699582 50464 1420 49044 36590 1029 35561 53163 1496 51667 771985 5341 766644 44519 1253 43266 78933 2221 76712 261806 332 261474 427039 10372 416667 725504 1488 724016 54286 240 54046 541351 2742 538609 40665 910 39755 MISCELLANEOUS 21086 473 20613 PUBLIC AWARENESS 8952 25 8927 DUES AND SUBSCRIPTIONS 7734 174 7560 TRAINING & DEVELOPMENT 6268 153 6115 LICENSES AND PERMITS 2592 1168 1424 1015 23 992 4056985 56836 4000149 0 818910 376119 116955 60058 310483 272324 8485886 7519071 1055622 966815 583092 773019 2885062 2448335 761325 751011 52565 505288 859166 1319178 1610177 X 1565884 838158 1565884 838158 2885062 2448335 X -2982846 2255120 X X 0 1 1 X 0 X X 0 0 0 INCHARGE DEBT SOLUTIONS 330770440 7 1 1 1 4293199 INCHARGE HOUSING COUNSELING SERVICES INC 010586613 9 1 1 1 68859 2 4362058 0 0 0 0 0 0 317454 59428 258026 8149681 7440892 708789 18751 18751 0 966815 DEFERRED COMPENSATION 638235 SECURITY DEPOSITS 134784 773019 DEFERRED COMPENSATION 638235 DEFERRED RENT 220931 859166 PART IV, LINE 1B: ICI OFFERS FINANCIAL COUNSELING FOCUSED ON RAISING AWARENESS AS TO THE IMPORTANCE THAT AN INDIVIDUAL'S CREDIT REPORT CAN HAVE ON THEIR OVERALL FINANCIAL WELL BEING. ICI DOES NOT RECEIVE, MAINTAIN OR DISTRIBUTE CONSUMER FUNDS RELATED TO SERVICES PROVIDED. DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: PART X: ICI 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. X X X X X 0 1 0 0 0 0 0 0 0 ETTA W MONEY 53190 159569 3750 11250 2820 8461 7226 21677 6485 19456 73471 220413 0 0 WILLIAM MALSEED 25872 110296 1900 8100 969 4131 2072 8834 2022 8622 32835 139983 0 0 JODI MCGREGOR 71490 102875 2050 2950 2776 3994 5784 8321 6315 9085 88415 127225 0 0 DAVID C JONES 0 0 0 0 60726 0 0 0 0 0 60726 0 60726 0 PART I, LINE 4B ICI HAS A NON-QUALIFIED DEFERRED COMPENSATION PLAN FOR CERTAIN KEY EXECUTIVES. UNDER THE DEFERRED COMPENSATION PLAN, ICI HAS DEFERRED PORTIONS OF THE PARTICIPATING EXECUTIVE'S COMPENSATION. THE VESTED COMPENSATION BALANCE IS PAYABLE UPON RETIREMENT, DEATH, OR TERMINATION (OTHER THAN FOR CAUSE) OF THE EXECUTIVE. THE DEFERRED COMPENSATION HAS BEEN INVESTED IN ANNUITY POLICIES. DAVID C. JONES RECEIVES MONTHLY PAYOUTS FROM THIS ANNUITY-BASED DEFERRED COMPENSATION PLAN. SHARPIRO SHER GUINOT & SANDLER LONNIE RITZER IS ON THE BOARD OF ICI AND IS A PARTNER AT THIS LAW FIRM. 26191 LEGAL SERVICES 0 RICHARD ANDERSON BOARD TRUSTEE 36000 CONSULTING SERVICES 0 CHANGES IN PROGRAM SERVICES FORM 990, PART III, LINE 3 EFFECTIVE JANUARY 19, 2010, THE BRIGHTSCORE CREDIT EDUCATION AND COUNSELING PROGRAM WAS DISCONTINUED. FORM 990, PART VI, SECTION B, LINE 11 THE TREASURER, AUDIT COMMITTEE, AND THE PRESIDENT & CEO OF INCHARGE INSTITUTE OF AMERICA 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. 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 EXCEPTIONAL PERFORMANCE INCREASES BASED ON PERFORMANCE. PERIODICALLY, KEY EMPLOYEES' SALARIES ARE COMPARED TO MARKET DATA. 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. CONTACT ADDRESSES FOR OFFICERS, DIRECTORS, ETC FORM 990, PART VII DAVID C. JONES - 7926 KIMBRO LANE, ORLANDO, FL 32818. SANDRA CUNNINGHAM - 1501 K STREET NW, SUITE 1100, WASHINGTON, DC 20005. FORM 990, PART VII, SECTION A, COLUMN (B) AVERAGE HOURS PER WEEK FOR RELATED ORGANIZATIONS: WILLIAM MALSEED - INCHARGE DEBT SOLUTIONS, 18 HOURS; INCHARGE EDUCATION FOUNDATION, 13 HOURS; INCHARGE HOUSING COUNSELING SERVICES, 1 HOUR. RICHARD ANDERSON - INCHARGE HOUSING COUNSELING SERVICES, 1 HOUR; INCHARGE EDUCATION FOUNDATION, 1 HOUR. DON STEVENSON - INCHARGE EDUCATION FOUNDATION, 1 HOUR; INCHARGE HOUSING COUNSELING SERVICES, 1 HOUR. ETTA MONEY - INCHARGE DEBT SOLUTIONS, 20 HOURS; INCHARGE EDUCATION FOUNDATION, 10 HOURS. JODI MCGREGOR - INCHARGE DEBT SOLUTIONS, 16 HOURS; INCHARGE EDUCATION FOUNDATION, 7 HOURS; INCHARGE HOUSING COUNSELING SERVICES, 1 HOUR. MARK NAGIEL - INCHARGE DEBT SOLUTIONS, 22 HOURS; INCHARGE EDUCATION FOUNDATION, 8 HOURS. HUBERT RIVERA - INCHARGE DEBT SOLUTIONS, 24 HOURS; INCHARGE EDUCATION FOUNDATION, 10 HOURS. LONNIE M RITZER - INCHARGE DEBT SOLUTIONS, 1 HOUR. NORRIS OVERTON - INCHARGE EDUCATION FOUNDATION, 1 HOUR. ROBERT RUIZ - INCHARGE EDUCATION FOUNDATION, 1 HOUR. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 5: CONTRIBUTED NET ASSETS FROM AFFILIATED ENTITIES 2,255,120. TOTAL TO FORM 990, PART XI, LINE 5: 2,255,120. FORM 990, PART XII, QUESTIONS 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. INCARGE DEBT SOLUTIONS 5750 MAJOR BLVD SUITE 175 ORLANDO FL 32819 330770440 FINANCIAL COUNSELING NV 501(C)(3) LINE 7 INCHARGE INSTITUTE OF AMERICA INC 1 INCHARGE HOUSING COUNSELING SERVICES INC 5750 MAJOR BLVD SUITE 175 ORLANDO FL 32819 010586613 HOUSING COUNSELING SERVICES MD 501(C)(3) LINE 9 INCHARGE INSTITUTE OF AMERICA INC 1 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 INCHARGE INSTITUTE OF AMERICA INC 1 NATIONAL CREDIT COUNSELING SERVICES INC 5750 MAJOR BLVD SUITE 300 ORLANDO FL 32819 521799746 INACTIVE MD INCHARGE INSTIUTE OF AMERICA INC C 1.00000 0 0 0 0 0 0 0 0 0 0 1 1 1 1 0 0 1 1 INCHARGE DEBT SOLUTIONS K 4293199 USAGE INCHARGE EDUCATION FOUNDATION INC K 2050523 USAGE INCHARGE HOUSING COUNSELING SERVICES INC K 68859 USAGE INCHARGE EDUCATION FOUNDATION INC M 138630 USAGE INCHARGE DEBT SOLUTIONS M 505404 USAGE INCHARGE DEBT SOLUTIONS R 5641520 CASH INCHARGE HOUSING COUNSELING SERVICES INC R 392731 CASH INCHARGE EDUCATION FOUNDATION INC R 4154939 CASH