{"success":true,"data":{"_id":223226765,"filings":[{"Organization":{"value":null,"Person":["JUDITH SORENSEN","CHRISTOPHER VIALE","HILTON SHER","RUSSELL GRAVES","MICHAEL CROXSON","BRIAN DELANEY","PHIL HEINEMANN","ELEANOR HOHMAN","MARTIN LYNCH","LORI POLLACK"],"Title":["PRESIDENT AND CO-CHAIR","VICE PRES. AND CO-CHAIR","TREASURER","SECRETARY","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EXECUTIVE DIRECTOR"],"Hours":[15.0,15.0,5.0,2.0,2.0,2.0,3.0,2.0,5.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,111200],"Direct compensation":[0,0,0,0,0,0,0,0,0,105200],"Other compensation":[0,0,0,0,0,0,0,0,0,6000]},"Basic":{"value":null,"mission":"To provide high-value services designed to establish equilibrium between consumers, creditors, and member agencies for the successful rehabilitation of debt-challenged families and individuals.","year":2019,"name":"ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC","phone":8662781567,"website":"WWW.FCAA.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LORI POLLACK","year_formation":1993,"state_legal_domicile":"NJ","total_volunteers":9,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"170 NE 2ND STREET NO 1908, BOCA RATON, FL, 33429, USA","city":"BOCA RATON","state":"FL","country":"USA","zip_code":33429},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":286103,"Contributions":{"value":24112,"Other contributions":24112,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":261945,"Total revenue":{"value":261945,"MEMBERSHIP DUES":156124,"CONFERENCE REVENUES":83800,"NET TELELEAD REVENUE":15190,"NET LOCATOR LINE FEES":3600,"TRAINING FEES":3231},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":46,"Investment income total":46,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":206883,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":119499,"Current officers":111200,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":8299},"Other expenses":{"value":87384,"Management services":0,"Legal":0,"Accounting":5376,"Lobbying services":0,"Investment management fees":0,"Other services":25100,"Advertising":3192,"Office expenses":5728,"Information technology":2865,"Royalties":0,"Occupancy":0,"Travel":9661,"Conferences and meetings":31246,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":2966,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1250,"TRAINING":1200,"MISC. EXPENSES":50},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":153330,"Management And General Expenses":53553,"Fundraising Expenses":0}},"Assets":{"value":359869,"Non-interest bearing cash":174853,"Savings and temp cash investments":150146,"Pledges and grants receivable":0,"Accounts receivable":31535,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":3335,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":48063,"Sum of Total Liabilities":0,"Accounts payable, accrued":33480,"Grants payable":0,"Deferred, revenue":14583,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":311806,"Net assets without donor restriction":311806,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7411435449021911,"percentile":0.5656052379302845},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.27689328668346713,"percentile":0.8203715792290468},"Liabilities to Assets Ratio":{"score":0.1335569332173652,"percentile":0.2960766625207093},"Operating Reserve Ratio":{"score":1.739480769323724,"percentile":0.5789787882970556},"Officer Compensation Ratio":{"score":0.5375018730393507,"percentile":0.06104670613177622},"Program Expense Growth":{"score":-0.18498564389182345,"percentile":0.09402734016508983},"Revenue Growth":{"score":-0.14398820025729248,"percentile":0.1055696332237823},"Asset Growth":{"score":0.04694634756200779,"percentile":0.5149254505475034},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5271005315334782,"percentile":0.39253193205400466}},"source_xml":"202022269349300712_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER VIALE","TODD EMERSON","KEVIN P PORTER","WILLIAM RICHARD CLUNY","SAM HOHMAN","KEVIN WEEKS","CINDY SEREMEK","TRACY MACOMBER","RICK BIALOBRZESKI","MELISSA PEARSON","SHARI A BEDKER","DAVID C JONES"],"Title":["CHAIR/INTERIM PRESIDENT JUL-NOV","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","PRESIDENT AS OF DECEMBER 2014","TREASURER","SECRETARY","VICE PRESIDENT","VICE PRESIDENT","EXECUTIVE DIRECTOR","PRESIDENT UNTIL JULY 2014"],"Hours":[5.0,1.0,1.0,1.0,1.0,40.0,1.0,3.0,1.0,1.0,40.0,40.0],"Total Compensation":[10000,0,0,0,0,8462,0,0,0,0,0,100000],"Direct compensation":[10000,0,0,0,0,8462,0,0,0,0,0,100000],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provides educational services and quality standards for the financial counseling industry.","year":2014,"name":"ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC","phone":7039346118,"website":"WWW.AICCCA.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"KEVIN WEEKS","year_formation":1993,"state_legal_domicile":"NJ","total_volunteers":4,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"611 PENNSYLVANIA AVENUE SE NO 1600, WASHINGTON, DC, 200034303, USA","city":"WASHINGTON","state":"DC","country":"USA","zip_code":200034303},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":2,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":2,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":566680,"Contributions":{"value":89295,"Other contributions":89295,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":454258,"Total revenue":{"value":454258,"MEMBERSHIP DUES":348528,"CONFERENCE REVENUES":105730},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":66,"Investment income total":66,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":23061,"Other total":0,"Royalties revenue":23061,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":612250,"Grant expense":{"value":56375,"Grants to domestic orgs":56375,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":127063,"Current officers":118462,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":8601},"Other expenses":{"value":428812,"Management services":42000,"Legal":26267,"Accounting":11000,"Lobbying services":0,"Investment management fees":0,"Other services":183312,"Advertising":1234,"Office expenses":26023,"Information technology":21442,"Royalties":0,"Occupancy":226,"Travel":20410,"Conferences and meetings":76599,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":4189,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":16110,"AGENCY ASSESSMENT FEES":15910,"TAXES AND LICENSES":200},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":466678,"Management And General Expenses":145572,"Fundraising Expenses":0}},"Assets":{"value":255688,"Non-interest bearing cash":55316,"Savings and temp cash investments":148353,"Pledges and grants receivable":0,"Accounts receivable":33918,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":18101,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":23203,"Sum of Total Liabilities":0,"Accounts payable, accrued":23203,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":232485,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":177975,"Temporarily restricted net assets":54510,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7622343813801552,"percentile":0.5845093568994546},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.08041575492341356,"percentile":0.2445122250711734},"Liabilities to Assets Ratio":{"score":0.09074731704264573,"percentile":0.3349206368714901},"Operating Reserve Ratio":{"score":0.417620253164557,"percentile":0.2157829652813242},"Officer Compensation Ratio":{"score":0.19348632094732543,"percentile":0.32516420868483115},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4330885781929121,"percentile":0.178721309947658}},"source_xml":"201532259349301518_public.xml"},{"Organization":{"value":null,"Person":["JUDITH SORENSEN","CHRISTOPHER VIALE","MELISSA PEARSON","HILTON SHER","DAVID RICHARDSON","BRIAN DELANEY","RUSSELL GRAVES","PHIL HEINEMANN","ELEANOR HOHMAN","MARTIN LYNCH","LORI POLLACK"],"Title":["PRESIDENT AND CO-CHAIR","VICE PRES. AND CO-CHAIR","SECRETARY UNTIL 10/6/17","TRUSTEE & SECRETARY BEG. 10/11/17","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EXECUTIVE DIRECTOR"],"Hours":[5.0,5.0,5.0,5.0,3.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,104363],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,98363],"Other compensation":[0,0,0,0,0,0,0,0,0,0,6000]},"Basic":{"value":null,"mission":"To provide high-value services designed to establish equilibrium between consumers, creditors, and member agencies for the successful rehabilitation of debt-challenged families and individuals.","year":2017,"name":"ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC","phone":8662781567,"website":"WWW.FCAA.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LORI POLLACK","year_formation":1993,"state_legal_domicile":"NJ","total_volunteers":10,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"PO BOX 1564, PORTLAND, ME, 4104, USA","city":"PORTLAND","state":"ME","country":"USA","zip_code":4104},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":246018,"Contributions":{"value":153563,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":153563,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":92290,"Total revenue":{"value":92290,"CONFERENCE REVENUES":75150,"NET LOCATOR LINE FEES":13353,"TRAINING FEES":3787},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":165,"Investment income total":165,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":222265,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":113065,"Current officers":104915,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":8150},"Other expenses":{"value":109200,"Management services":0,"Legal":0,"Accounting":13000,"Lobbying services":0,"Investment management fees":0,"Other services":25500,"Advertising":0,"Office expenses":5135,"Information technology":11514,"Royalties":0,"Occupancy":0,"Travel":11784,"Conferences and meetings":23042,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":2848,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":16377,"AGENCY ASSESSMENT FEES":14534,"TRAINING":1500,"DUES AND SUBSCRIPTION":253,"TAXES AND LICENSES":90},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":161684,"Management And General Expenses":60581,"Fundraising Expenses":0}},"Assets":{"value":262849,"Non-interest bearing cash":199663,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":55495,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":7691,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":70978,"Sum of Total Liabilities":0,"Accounts payable, accrued":57332,"Grants payable":0,"Deferred, revenue":13646,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":191871,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":191871,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7274379681911232,"percentile":0.5551452877155953},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.09654984594623157,"percentile":0.6172345898315337},"Liabilities to Assets Ratio":{"score":0.27003336516402954,"percentile":0.2149672747950373},"Operating Reserve Ratio":{"score":1.1825928508762062,"percentile":0.4713354737494541},"Officer Compensation Ratio":{"score":0.46954311295075696,"percentile":0.08279468065934506},"Program Expense Growth":{"score":-0.15698440256898866,"percentile":0.10608902648755228},"Revenue Growth":{"score":-0.161857411445449,"percentile":0.09430152601550289},"Asset Growth":{"score":-0.019769732895634204,"percentile":0.24658891502167052},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4664917770098202,"percentile":0.24496623558635408}},"source_xml":"201822289349300907_public.xml"},{"Organization":{"value":null,"Person":["MARTIN LYNCH","CHRISTOPHER VIALE","JUDITH SORENSEN","PHIL HEINEMANN","RUSSELL GRAVES","ROBB CZYZEWSKI","GARY HERMAN","SAM HOHMAN","RICK MUNSTER","LORI POLLACK"],"Title":["PRESIDENT","VICE PRESIDENT AND CO-CHAI","CO-CHAIR","TREASURER","SECRETARY","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EXECUTIVE DIRECTOR"],"Hours":[15.0,15.0,7.5,15.0,5.0,2.0,4.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,121849],"Direct compensation":[0,0,0,0,0,0,0,0,0,112000],"Other compensation":[0,0,0,0,0,0,0,0,0,9849]},"Basic":{"value":null,"mission":"To provide high-value services designed to establish equilibrium between consumers, creditors, and member agencies for the successful rehabilitation of debt-challenged families and individuals.","year":2024,"name":"ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC","phone":8662781567,"website":"FCAA.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LORI POLLACK","year_formation":1993,"state_legal_domicile":"NJ","total_volunteers":9,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"170 NE 2ND STREET 1908, BOCA RATON, FL, 33429, USA","city":"BOCA RATON","state":"FL","country":"USA","zip_code":33429},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":389613,"Contributions":{"value":36250,"Other contributions":36250,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":343349,"Total revenue":{"value":343349,"MEMBERSHIP DUES":163479,"NET TELELEAD REVENUE":138180,"CONFERENCE REVENUES":41690},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":10014,"Investment income total":10014,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":469918,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":130418,"Current officers":121850,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":8568},"Other expenses":{"value":339500,"Management services":0,"Legal":0,"Accounting":3139,"Lobbying services":0,"Investment management fees":0,"Other services":7266,"Advertising":175503,"Office expenses":6213,"Information technology":17413,"Royalties":0,"Occupancy":0,"Travel":25730,"Conferences and meetings":43041,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":2832,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":58363,"TELELEAD EXPENSES":54590,"DUES AND SUBSCRIPTIONS":3500,"TAXES AND FEES":273},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":402799,"Management And General Expenses":67119,"Fundraising Expenses":0}},"Assets":{"value":379591,"Non-interest bearing cash":154763,"Savings and temp cash investments":210015,"Pledges and grants receivable":0,"Accounts receivable":12305,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2508,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":10915,"Sum of Total Liabilities":0,"Accounts payable, accrued":9915,"Grants payable":0,"Deferred, revenue":1000,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":368676,"Net assets without donor restriction":368676,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8571686975174392,"percentile":0.7043606454367493},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.2061147856976025,"percentile":0.14836307816345842},"Liabilities to Assets Ratio":{"score":0.02875463327634217,"percentile":0.4321709904249688},"Operating Reserve Ratio":{"score":0.8077813575985597,"percentile":0.36542670866662397},"Officer Compensation Ratio":{"score":0.2592984307900527,"percentile":0.22985943668203954},"Program Expense Growth":{"score":-0.05779040819074927,"percentile":0.18667764637733816},"Revenue Growth":{"score":-0.057893350250263584,"percentile":0.20445729679093558},"Asset Growth":{"score":0.07250846764236395,"percentile":0.6057574421187234},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4828482748036344,"percentile":0.28108146915946236}},"source_xml":"202532769349301338_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER VIALE","TODD OSSENFORT","KEVIN P PORTER","WILLIAM RICHARDS CLUNY","SAM HOHMAN","MELISSA PEARSON","KEVIN WEEKS","CINDY SEREMEK","TRACY MACOMBER","TODD EMERSON","DAVID RICHARDSON","SHARI A BEDKER"],"Title":["CHAIR","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","PRESIDENT","TREASURER UNTIL OCT 2015","SECRETARY","VICE PRESIDENT","VP UNTIL OCT 2015, TREASURER AS OF OCT 2015","EXECUTIVE DIRECTOR"],"Hours":[5.0,1.0,1.0,1.0,1.0,2.0,40.0,1.0,3.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,110000,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,110000,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To promote quality and professional delivery of financial counseling services. fcaa member agencies assist hundreds of thousands of consumers annually with financial counseling services of all kinds as well as debt management services.","year":2015,"name":"ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC D/B/A F","phone":7039346118,"website":"WWW.FCAA.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"KEVIN WEEKS","year_formation":1993,"state_legal_domicile":"NJ","total_volunteers":6,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"611 PENNSYLVANIA AVENUE SE NO 1600, WASHINGTON, DC, 200034303, USA","city":"WASHINGTON","state":"DC","country":"USA","zip_code":200034303},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":454352,"Contributions":{"value":5000,"Other contributions":5000,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":449316,"Total revenue":{"value":449316,"MEMBERSHIP DUES":302660,"CONFERENCE REVENUES":100725,"ASSESSMENT FEES":25118,"TRAINING FEES":20813},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":36,"Investment income total":36,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":503826,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":121315,"Current officers":112315,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":9000},"Other expenses":{"value":382511,"Management services":42000,"Legal":1646,"Accounting":11250,"Lobbying services":0,"Investment management fees":0,"Other services":185952,"Advertising":1306,"Office expenses":11710,"Information technology":25393,"Royalties":0,"Occupancy":0,"Travel":6855,"Conferences and meetings":61781,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":3755,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":30863,"AGENCY ASSESSMENT FEES":19444,"TRAINING":11419},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":409765,"Management And General Expenses":94061,"Fundraising Expenses":0}},"Assets":{"value":191527,"Non-interest bearing cash":54474,"Savings and temp cash investments":127773,"Pledges and grants receivable":0,"Accounts receivable":4686,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":4594,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":8516,"Sum of Total Liabilities":0,"Accounts payable, accrued":8516,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":183011,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":183011,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8133065780646493,"percentile":0.6424151917701175},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.10888914321935415,"percentile":0.21448865923366905},"Liabilities to Assets Ratio":{"score":0.04446370485623437,"percentile":0.39823641133796434},"Operating Reserve Ratio":{"score":0.3801451294693009,"percentile":0.19922643499461123},"Officer Compensation Ratio":{"score":0.21832934386077732,"percentile":0.2846659930150566},"Program Expense Growth":{"score":0.03318949589348082,"percentile":0.46270782972765234},"Revenue Growth":{"score":-0.07939545820144675,"percentile":0.16958798113359153},"Asset Growth":{"score":-0.1891002925232801,"percentile":0.057355739428909785},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.46569210465977545,"percentile":0.24326756570446703}},"source_xml":"201602449349300405_public.xml"},{"Organization":{"value":null,"Person":["JUDITH SORENSEN","MARTIN LYNCH","CHRISTOPHER VIALE","HILTON SHER","RUSSELL GRAVES","ROBB CZYZEWSKIC","PHIL HEINEMANN","SAM HOHMAN","RICK MUNSTER","LORI POLLACK"],"Title":["CO-CHAIR","PRESIDENT","VICE PRES. AND CO-CHAIR","TREASURER","SECRETARY","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EXECUTIVE DIRECTOR"],"Hours":[15.0,15.0,15.0,5.0,2.0,2.0,3.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,115685],"Direct compensation":[0,0,0,0,0,0,0,0,0,109850],"Other compensation":[0,0,0,0,0,0,0,0,0,5835]},"Basic":{"value":null,"mission":"To provide high-value services designed to establish equilibrium between consumers, creditors, and member agencies for the successful rehabilitation of debt-challenged families and individuals.","year":2022,"name":"ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC","phone":8662781567,"website":"WWW.FCAA.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LORI POLLACK","year_formation":1993,"state_legal_domicile":"NJ","total_volunteers":9,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"170 NE 2ND STREET 1908, BOCA RATON, FL, 33429, USA","city":"BOCA RATON","state":"FL","country":"USA","zip_code":33429},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":236933,"Contributions":{"value":26311,"Other contributions":26311,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":210550,"Total revenue":{"value":210550,"MEMBERSHIP DUES":160167,"CONFERENCE REVENUES":33725,"NET TELELEAD REVENUE":15265,"TRAINING FEES":1393},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":72,"Investment income total":72,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":218047,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":124089,"Current officers":115686,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":8403},"Other expenses":{"value":93958,"Management services":0,"Legal":0,"Accounting":4143,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":26740,"Office expenses":8441,"Information technology":7302,"Royalties":0,"Occupancy":0,"Travel":10907,"Conferences and meetings":29890,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":3851,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2684,"STUDENT LOAN TRAINING":1400,"STATE LEGISLATION TRACK":1100,"TAXES AND FEES":184},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":160162,"Management And General Expenses":57885,"Fundraising Expenses":0}},"Assets":{"value":571523,"Non-interest bearing cash":156884,"Savings and temp cash investments":390386,"Pledges and grants receivable":0,"Accounts receivable":21225,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":3028,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":131028,"Sum of Total Liabilities":0,"Accounts payable, accrued":18993,"Grants payable":0,"Deferred, revenue":12083,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":99952},"Fund balance":{"value":440495,"Net assets without donor restriction":440495,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7345297114842213,"percentile":0.5604226917902573},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.07971029784791481,"percentile":0.5864396264764824},"Liabilities to Assets Ratio":{"score":0.22926111460081222,"percentile":0.23495615609119797},"Operating Reserve Ratio":{"score":2.6211000380651877,"percentile":0.6823977887980399},"Officer Compensation Ratio":{"score":0.5305507528193463,"percentile":0.06292505129308387},"Program Expense Growth":{"score":-0.17905061661732707,"percentile":0.09641465602857238},"Revenue Growth":{"score":-0.12184715886125125,"percentile":0.12259665926714189},"Asset Growth":{"score":0.10044069698220899,"percentile":0.6842114854463084},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5003100958984836,"percentile":0.3223259098353066}},"source_xml":"202313139349302386_public.xml"},{"Organization":{"value":null,"Person":["LORI POLLACK","MARTIN LYNCH","CHRISTOPHER VIALE","JUDITH SORENSEN","PHIL HEINEMANN TRUSTEE","HILTON SHER","RUSSELL GRAVES","ROBB CZYZEWSKIC","GARY HERMAN","SAM HOHMAN","RICK MUNSTER"],"Title":["EXECUTIVE DIRECTOR","PRESIDENT","VICE PRESIDENT AND CO-CHAIR","CO-CHAIR","UNTIL MAY 2023, THEN TREASURER","TREASURER UNTIL MAY 2023","SECRETARY","TRUSTEE","TRUSTEE AS OF MAY 2023","TRUSTEE","TRUSTEE"],"Hours":[40.0,15.0,15.0,7.5,15.0,5.0,2.0,4.0,2.0,2.0,5.0],"Total Compensation":[115942,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[110442,0,0,0,0,0,0,0,0,0,0],"Other compensation":[5500,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide high-value services designed to establish equilibrium between consumers, creditors, and member agencies for the successful rehabilitation of debt-challenged families and individuals.","year":2023,"name":"ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC","phone":8662781567,"website":"WWW.FCAA.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LORI POLLACK","year_formation":1993,"state_legal_domicile":"NJ","total_volunteers":10,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"170 NE 2ND STREET 1908, BOCA RATON, FL, 33429, USA","city":"BOCA RATON","state":"FL","country":"USA","zip_code":33429},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":345668,"Contributions":{"value":27500,"Other contributions":27500,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":310063,"Total revenue":{"value":310063,"MEMBERSHIP DUES":166083,"NET TELELEAD REVENUE":108570,"CONFERENCE REVENUES":35410},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":8105,"Investment income total":8105,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":337182,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":124392,"Current officers":115943,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":8449},"Other expenses":{"value":212790,"Management services":0,"Legal":0,"Accounting":3086,"Lobbying services":0,"Investment management fees":0,"Other services":4812,"Advertising":69224,"Office expenses":5217,"Information technology":3863,"Royalties":0,"Occupancy":0,"Travel":17942,"Conferences and meetings":28977,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":4165,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":75504,"TELELEAD EXPENSES":74910,"STUDENT LOAN TRAINING":500,"TAXES AND FEES":94},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":272991,"Management And General Expenses":64191,"Fundraising Expenses":0}},"Assets":{"value":481468,"Non-interest bearing cash":273972,"Savings and temp cash investments":200000,"Pledges and grants receivable":0,"Accounts receivable":6015,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1481,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":32487,"Sum of Total Liabilities":0,"Accounts payable, accrued":2535,"Grants payable":0,"Deferred, revenue":10750,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":19202},"Fund balance":{"value":448981,"Net assets without donor restriction":448981,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8096250689538588,"percentile":0.6376956570774894},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.02454956779337399,"percentile":0.46408314055188854},"Liabilities to Assets Ratio":{"score":0.06747488929690032,"percentile":0.36242427072937716},"Operating Reserve Ratio":{"score":1.427917267232533,"percentile":0.5245622753376491},"Officer Compensation Ratio":{"score":0.3438558404659798,"percentile":0.15055625096762126},"Program Expense Growth":{"score":-0.11716233934619223,"percentile":0.12830194661358474},"Revenue Growth":{"score":-0.08535198189619345,"percentile":0.16151065651954688},"Asset Growth":{"score":0.09190880931836183,"percentile":0.6622620048575386},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5103460217706952,"percentile":0.34817452983101493}},"source_xml":"202422559349301527_public.xml"},{"Organization":{"value":null,"Person":["JOEL GREENBERG","TODD EMERSON","KEVIN P PORTER","ZYNDA C SELLERS","STEVEN TRUMBLE","CHRISTOPHER VIALE","DAVID C JONES","CINDY SEREMEK","MELINDA OPPERMAN","SAM HOHMAN","JANE MCNAMARA","SHARI A BEDKER"],"Title":["CHAIR","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","PRESIDENT","TREASURER","SECRETARY","VICE PRESIDENT","VICE PRESIDENT","EXECUTIVE DIRECTOR"],"Hours":[5.0,1.0,1.0,1.0,1.0,1.0,40.0,1.0,3.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,120000,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,120000,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provides educational services and quality standards for the financial counseling industry.","year":2013,"name":"ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC","phone":7039346118,"website":"WWW.AICCCA.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DAVID C JONES","year_formation":1993,"state_legal_domicile":"NJ","total_volunteers":6,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"PMB 626 11350 RANDOM HILLS ROAD NO 800, FAIRFAX, VA, 22030, USA","city":"FAIRFAX","state":"VA","country":"USA","zip_code":22030},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":536809,"Contributions":{"value":53719,"Other contributions":53719,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":445762,"Total revenue":{"value":445762,"MEMBERSHIP DUES":372262,"CONFERENCE REVENUES":62700,"ASSESSMENT FEES":10800},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":97,"Investment income total":97,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":37231,"Other total":0,"Royalties revenue":37231,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":500262,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":128789,"Current officers":120000,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":8789},"Other expenses":{"value":371473,"Management services":42000,"Legal":0,"Accounting":11000,"Lobbying services":0,"Investment management fees":0,"Other services":208702,"Advertising":3206,"Office expenses":18718,"Information technology":13914,"Royalties":0,"Occupancy":0,"Travel":17862,"Conferences and meetings":40709,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":194,"Insurance":4124,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":11044,"AGENCY ASSESSMENT FEES":10649,"TEMPORARY STAFF":220,"TAXES AND LICENSES":175},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":381922,"Management And General Expenses":118340,"Fundraising Expenses":0}},"Assets":{"value":283667,"Non-interest bearing cash":100416,"Savings and temp cash investments":148308,"Pledges and grants receivable":0,"Accounts receivable":16169,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":18774,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":5612,"Sum of Total Liabilities":0,"Accounts payable, accrued":1287,"Grants payable":0,"Deferred, revenue":4325,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":278055,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":240555,"Temporarily restricted net assets":37500,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7634439553673875,"percentile":0.5856690001852851},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0680819434845541,"percentile":0.5634470891615286},"Liabilities to Assets Ratio":{"score":0.01978376053612158,"percentile":0.458323910702961},"Operating Reserve Ratio":{"score":0.5670368726787164,"percentile":0.2783482028729701},"Officer Compensation Ratio":{"score":0.2398743058637274,"percentile":0.25402493813328825},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5970192730894778,"percentile":0.5967510888665928}},"source_xml":"201421489349300117_public.xml"},{"Organization":{"value":null,"Person":["JUDITH SORENSEN","CHRISTOPHER VIALE","HILTON SHER","RUSSELL GRAVES","MICHAEL CROXSON","PHIL HEINEMANN","MARTIN LYNCH","SAM HOHMAN","LORI POLLACK"],"Title":["PRESIDENT AND CO-CHAIR","VICE PRES. AND CO-CHAIR","TREASURER","SECRETARY","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EXECUTIVE DIRECTOR"],"Hours":[15.0,15.0,5.0,2.0,2.0,3.0,5.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,104054],"Direct compensation":[0,0,0,0,0,0,0,0,104054],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide high-value services designed to establish equilibrium between consumers, creditors, and member agencies for the successful rehabilitation of debt-challenged families and individuals.","year":2020,"name":"ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC","phone":8662781567,"website":"WWW.FCAA.ORG","type":"990EZ","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":null,"state_legal_domicile":null,"total_volunteers":null,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"170 NE 2ND STREET NO 1908, BOCA RATON, FL, 33429, USA","city":"BOCA RATON","state":"FL","country":"USA","zip_code":33429},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":null,"Number of independent voting members":null,"Number of employees total":null,"Total Gross UBI":null,"Net unrelated business taxable income":null,"Number of employees":null,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":false,"Whistle blower policy":false,"Compensation process for CEO":false,"Compensation process for other employees":false,"Changes to organizing documents":false,"Material diversion or misuse":false,"Members or stockholders":false,"Election of board members":false,"Decisions subject to approval":false,"Minutes of governing body":false,"Local chapters":false,"Form 990 provided to governing body":false,"Document retention policy":false,"Investment in joint venture":false,"Independent audit financial statements":false,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Political activities":false,"Donor advised funds":false,"Conservation easements":false,"Collections of art":false,"School":false,"Hospital":false,"Foreign activities":false,"Foreign office":false,"Gaming":false,"Fundraising activities":false,"Professional fundraising":false,"Loan to officer or DQP":false,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false},"Revenues":{"value":185200,"Contributions":{"value":159500,"Other contributions":0,"Contributions from gifts and grants":2500,"Fundraising revenue":0,"Dues":157000,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":25602,"Total revenue":25602,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":98,"Investment income total":98,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":165005,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":17455,"Fundraising professional":0,"Fees to independent contractors":17455},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":115781,"Current officers":115781,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":31769,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":48,"Itemized Expenses":31721,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":393412,"Non-interest bearing cash":0,"Savings and temp cash investments":364488,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":28924},"Liabilities":{"value":61411,"Sum of Total Liabilities":61411,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":332001,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.10904427645788337,"percentile":0.6384138844216221},"Liabilities to Assets Ratio":{"score":0.15609844132868342,"percentile":0.27913886990706827},"Operating Reserve Ratio":{"score":2.3842429017302504,"percentile":0.6601240961720072},"Officer Compensation Ratio":{"score":0.6306111936001939,"percentile":0.04078636534350616},"Program Expense Growth":{"score":-0.2361795382032941,"percentile":0.07751835688229916},"Revenue Growth":{"score":-0.1502555403041936,"percentile":0.10137404947742781},"Asset Growth":{"score":0.06594059468448213,"percentile":0.5843213029395594},"Independent Voting Board Pct":{"score":null,"percentile":null},"Governance Policy Score":{"score":0.0,"percentile":0.3578721869904765},"Overall Score":{"score":0.38345461299888484,"percentile":0.09668179417456622}},"source_xml":"202132869349200718_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER VIALE","JUDITH SORENSEN","RUSSELL GRAVES","ELEANOR SAM HOHMAN","DAVID RICHARDSON","WILLIAM RICHARDS CLUNY","BRIAN DELANEY","PHIL HEINEMANN","TODD OSSENFORT","HILTON SHER","MELISSA PEARSON","KEVIN WEEKS","LORI POLLACK"],"Title":["CO CHAIRMAN","CO CHAIRMAN","VICE PRESIDENT","SECRETARY","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","PRESIDENT UNTIL NOV 10, 2016","EXECUTIVE DIRECTOR"],"Hours":[5.0,5.0,2.0,2.0,3.0,1.0,1.0,3.0,1.0,2.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,119396,94837],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,114231,88837],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,5165,6000]},"Basic":{"value":null,"mission":"To provide high-value services designed to establish equilibrium between consumers, creditors, and member agencies for the successful rehabilitation of debt-challenged families and individuals.","year":2016,"name":"ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC D/B/A F","phone":8662781567,"website":"WWW.FCAA.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LORI POLLACK","year_formation":1993,"state_legal_domicile":"NJ","total_volunteers":11,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"PO BOX 1564, PORTLAND, ME, 4104, USA","city":"PORTLAND","state":"ME","country":"USA","zip_code":4104},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":2,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":2,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":426320,"Contributions":{"value":286397,"Other contributions":81278,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":205119,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":139911,"Total revenue":{"value":139911,"CONFERENCE REVENUES":92875,"ASSESSMENT FEES":30032,"MANAGEMENT FEES":10168,"TRAINING FEES":6836},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":12,"Investment income total":12,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":441213,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":230990,"Current officers":203218,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":27772},"Other expenses":{"value":210223,"Management services":9500,"Legal":775,"Accounting":8925,"Lobbying services":0,"Investment management fees":0,"Other services":36168,"Advertising":5656,"Office expenses":5960,"Information technology":19262,"Royalties":0,"Occupancy":0,"Travel":22237,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":3410,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":96516,"FOOD AND LODGING":51261,"AGENCY ASSESSMENT FEES":19533,"NATIONAL LOCATOR FEES":19054,"TRAINING":6668},"All other expenses":1814},"Functional Expenses":{"value":null,"Program Service Expenses":351076,"Management And General Expenses":90137,"Fundraising Expenses":0}},"Assets":{"value":248218,"Non-interest bearing cash":189900,"Savings and temp cash investments":166,"Pledges and grants receivable":0,"Accounts receivable":56844,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1308,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":80100,"Sum of Total Liabilities":0,"Accounts payable, accrued":4755,"Grants payable":0,"Deferred, revenue":21542,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":53803},"Fund balance":{"value":168118,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":168118,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7957063821782223,"percentile":0.6195685273053901},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.03493385250516044,"percentile":0.31008345970869505},"Liabilities to Assets Ratio":{"score":0.322700207076038,"percentile":0.19249471103660404},"Operating Reserve Ratio":{"score":0.5625808849693912,"percentile":0.27655888667104933},"Officer Compensation Ratio":{"score":0.4855545960794446,"percentile":0.07698138308913055},"Program Expense Growth":{"score":-0.037143579665237805,"percentile":0.2210426554904409},"Revenue Growth":{"score":-0.08946753816852564,"percentile":0.15627499579349755},"Asset Growth":{"score":-0.0696590746604024,"percentile":0.13519102552492734},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.432895514750222,"percentile":0.17837353658709743}},"source_xml":"201701939349300510_public.xml"},{"Organization":{"value":null,"Person":["JUDITH SORENSEN","CHRISTOPHER VIALE","HILTON SHER","RUSSELL GRAVES","MICHAEL CROXSON","BRIAN DELANEY","PHIL HEINEMANN","ELEANOR HOHMAN","MARTIN LYNCH","LORI POLLACK"],"Title":["PRESIDENT AND CO-CHAIR","VICE PRES. AND CO-CHAIR","TREASURER","SECRETARY","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EXECUTIVE DIRECTOR"],"Hours":[15.0,15.0,5.0,2.0,2.0,2.0,3.0,2.0,5.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,106200],"Direct compensation":[0,0,0,0,0,0,0,0,0,100200],"Other compensation":[0,0,0,0,0,0,0,0,0,6000]},"Basic":{"value":null,"mission":"To provide high-value services designed to establish equilibrium between consumers, creditors, and member agencies for the successful rehabilitation of debt-challenged families and individuals.","year":2018,"name":"ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC","phone":8662781567,"website":"WWW.FCAA.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LORI POLLACK","year_formation":1993,"state_legal_domicile":"NJ","total_volunteers":9,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"PO BOX 1564, PORTLAND, ME, 4104, USA","city":"PORTLAND","state":"ME","country":"USA","zip_code":4104},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":250219,"Contributions":{"value":12000,"Other contributions":12000,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":238207,"Total revenue":{"value":238207,"MEMBERSHIP DUES":148856,"CONFERENCE REVENUES":61875,"NET LOCATOR LINE FEES":26978,"TRAINING FEES":498},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":12,"Investment income total":12,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":209504,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":114800,"Current officers":106438,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":8362},"Other expenses":{"value":94704,"Management services":0,"Legal":0,"Accounting":6000,"Lobbying services":0,"Investment management fees":0,"Other services":25100,"Advertising":0,"Office expenses":4063,"Information technology":14046,"Royalties":0,"Occupancy":0,"Travel":7764,"Conferences and meetings":27203,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":3012,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":7516,"AGENCY ASSESSMENT FEES":5456,"TRAINING":2000,"TAXES AND LICENSES":60},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":161765,"Management And General Expenses":47739,"Fundraising Expenses":0}},"Assets":{"value":282663,"Non-interest bearing cash":235298,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":45035,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2330,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":50077,"Sum of Total Liabilities":0,"Accounts payable, accrued":34370,"Grants payable":0,"Deferred, revenue":15707,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":232586,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":232586,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7721332289598289,"percentile":0.5941147801148768},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1627174595054732,"percentile":0.7147867223431571},"Liabilities to Assets Ratio":{"score":0.1771614961986535,"percentile":0.2650751843967796},"Operating Reserve Ratio":{"score":1.3492009699098824,"percentile":0.5085839282058598},"Officer Compensation Ratio":{"score":0.5069115625477317,"percentile":0.06995981044635362},"Program Expense Growth":{"score":-0.18398410078764368,"percentile":0.09438081029921996},"Revenue Growth":{"score":-0.16745939274952765,"percentile":0.09114965881835496},"Asset Growth":{"score":0.00822549324961742,"percentile":0.354289120274126},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5021176736063084,"percentile":0.32677936870035756}},"source_xml":"201942209349300419_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["MARTIN LYNCH","CHRISTOPHER VIALE","JUDITH SORENSEN","PHIL HEINEMANN","RUSSELL GRAVES","ROBB CZYZEWSKI","GARY HERMAN","SAM HOHMAN","RICK MUNSTER","LORI POLLACK"],"Title":["PRESIDENT","VICE PRESIDENT AND CO-CHAI","CO-CHAIR","TREASURER","SECRETARY","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EXECUTIVE DIRECTOR"],"Hours":[15.0,15.0,7.5,15.0,5.0,2.0,4.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,121849],"Direct compensation":[0,0,0,0,0,0,0,0,0,112000],"Other compensation":[0,0,0,0,0,0,0,0,0,9849]},"Basic":{"value":null,"mission":"To provide high-value services designed to establish equilibrium between consumers, creditors, and member agencies for the successful rehabilitation of debt-challenged families and individuals.","year":2024,"name":"ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC","phone":8662781567,"website":"FCAA.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LORI POLLACK","year_formation":1993,"state_legal_domicile":"NJ","total_volunteers":9,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"170 NE 2ND STREET 1908, BOCA RATON, FL, 33429, USA","city":"BOCA RATON","state":"FL","country":"USA","zip_code":33429},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":389613,"Contributions":{"value":36250,"Other contributions":36250,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":343349,"Total revenue":{"value":343349,"MEMBERSHIP DUES":163479,"NET TELELEAD REVENUE":138180,"CONFERENCE REVENUES":41690},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":10014,"Investment income total":10014,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":469918,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":130418,"Current officers":121850,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":8568},"Other expenses":{"value":339500,"Management services":0,"Legal":0,"Accounting":3139,"Lobbying services":0,"Investment management fees":0,"Other services":7266,"Advertising":175503,"Office expenses":6213,"Information technology":17413,"Royalties":0,"Occupancy":0,"Travel":25730,"Conferences and meetings":43041,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":2832,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":58363,"TELELEAD EXPENSES":54590,"DUES AND SUBSCRIPTIONS":3500,"TAXES AND FEES":273},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":402799,"Management And General Expenses":67119,"Fundraising Expenses":0}},"Assets":{"value":379591,"Non-interest bearing cash":154763,"Savings and temp cash investments":210015,"Pledges and grants receivable":0,"Accounts receivable":12305,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2508,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":10915,"Sum of Total Liabilities":0,"Accounts payable, accrued":9915,"Grants payable":0,"Deferred, revenue":1000,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":368676,"Net assets without donor restriction":368676,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8571686975174392,"percentile":0.7043606454367493},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.2061147856976025,"percentile":0.14836307816345842},"Liabilities to Assets Ratio":{"score":0.02875463327634217,"percentile":0.4321709904249688},"Operating Reserve Ratio":{"score":0.8077813575985597,"percentile":0.36542670866662397},"Officer Compensation Ratio":{"score":0.2592984307900527,"percentile":0.22985943668203954},"Program Expense Growth":{"score":-0.05779040819074927,"percentile":0.18667764637733816},"Revenue Growth":{"score":-0.057893350250263584,"percentile":0.20445729679093558},"Asset Growth":{"score":0.07250846764236395,"percentile":0.6057574421187234},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4828482748036344,"percentile":0.28108146915946236}},"source_xml":"202532769349301338_public.xml"},"sector":"Human Services","donation_categories":[],"zakat_policy":null},"error":null}