{"success":true,"data":{"_id":273956519,"filings":[{"Organization":{"value":null,"Person":["Alberto Duarte","Gary Jemelian","Mira Kenney","Karen Hunt","Bob Moore"],"Title":["Vice President and Secretary","President","Director","Director","Director"],"Hours":[40.0,30.0,0.0,0.0,0.0],"Total Compensation":[105200,82000,0,0,0],"Direct compensation":[105200,82000,0,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"Pursuant to an approval from the us department of justice executive office for us trustees (eoust), the company provides the personal financial management instructional course required by the bankruptcy abuse prevention and consumer act of 2005.","year":2024,"name":"ACCESS COUNSELING INC","phone":8002059297,"website":"ACCESSCOUNSELINGINC.ORG","type":"990","affiliation":null,"foreign_countries":["Australia","China","Hong Kong","Indonesia","Japan","Macau","Malaysia","Marshall Islands","Micronesia","Mongolia","Nauru","New Zealand","Niue","North Korea","Palau","Papua New Guinea","Philippines","Samoa","Solomon Islands","South Korea","Taiwan","Tonga","Tuvalu","Vanuatu"],"principal_officer":"Alberto Duarte","year_formation":2010,"state_legal_domicile":"DE","total_volunteers":null,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"633 West 5th Street STE 26001, Los Angeles, CA, 90071, USA","city":"Los Angeles","state":"CA","country":"USA","zip_code":90071},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":4,"Number of independent voting members":3,"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":2158050,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2158050,"Total revenue":2158050,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":2474279,"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":899030,"Current officers":165000,"Disqualified persons":0,"Other salaries and wages":585312,"Pension plan contributions":0,"Other employee benefits":22200,"Payroll taxes":126518},"Other expenses":{"value":1575249,"Management services":0,"Legal":29905,"Accounting":1750,"Lobbying services":0,"Investment management fees":0,"Other services":18314,"Advertising":273435,"Office expenses":21194,"Information technology":42336,"Royalties":0,"Occupancy":29860,"Travel":19341,"Conferences and meetings":0,"Interest":29286,"Payments to affiliates":0,"Depreciation and depletion":85649,"Insurance":537,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":757075,"Licensing Fee":516214,"Postage and Fulfillment Exp":66659,"Merchant Fee":93597,"Educational Materials":80605},"All other expenses":266567},"Functional Expenses":{"value":null,"Program Service Expenses":2194461,"Management And General Expenses":279818,"Fundraising Expenses":0}},"Assets":{"value":401565,"Non-interest bearing cash":152848,"Savings and temp cash investments":0,"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":226823,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":21894},"Liabilities":{"value":2824506,"Sum of Total Liabilities":0,"Accounts payable, accrued":841392,"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":1983114},"Fund balance":{"value":-2422941,"Net assets without donor restriction":-2422941,"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":0.8869092774097019,"percentile":0.7500243690235473},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.14653460299807697,"percentile":0.18349070725841246},"Liabilities to Assets Ratio":{"score":7.033745470845318,"percentile":0.005971899258152214},"Operating Reserve Ratio":{"score":0.16229576373561752,"percentile":0.0975118723575302},"Officer Compensation Ratio":{"score":0.07565840392292057,"percentile":0.6416614612509506},"Program Expense Growth":{"score":-0.03095903336995053,"percentile":0.2338267062324711},"Revenue Growth":{"score":-0.037627780137862145,"percentile":0.2475797562664288},"Asset Growth":{"score":0.09879308248565127,"percentile":0.6801274634289804},"Independent Voting Board Pct":{"score":0.75,"percentile":0.17719847849878714},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4354291975321176,"percentile":0.18319216747997102}},"source_xml":"202513169349309381_public.xml"},{"Organization":{"value":null,"Person":["GARY JEMELIAN","BOB MOORE","KAREN HUNT","ALBERTO DUARTE"],"Title":["PRES CEO DIRECTOR","DIRECTOR","DIRECTOR","VP SECRETARY"],"Hours":[30.0,0.0,0.0,40.0],"Total Compensation":[44333,0,0,95000],"Direct compensation":[44333,0,0,95000],"Other compensation":[0,0,0,0]},"Basic":{"value":null,"mission":"The company is a nonprofit organization that operates for the primary purpose of providing personal financial education. the company is approved to issue certificates in compliance with the bankruptcy code. aprroval does not endorse or assure the quality of an agency's services.","year":2019,"name":"ACCESS COUNSELING INC","phone":9546049109,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":2010,"state_legal_domicile":"DE","total_volunteers":0,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"633 W 5TH ST STE 26001, LOS ANGELES, CA, 900712005, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":900712005},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":3,"Number of independent voting members":3,"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":3515687,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3515687,"Total revenue":3515687,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":3461387,"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":1397090,"Current officers":139333,"Disqualified persons":0,"Other salaries and wages":1160977,"Pension plan contributions":0,"Other employee benefits":22200,"Payroll taxes":74580},"Other expenses":{"value":2064297,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":237691,"Office expenses":323684,"Information technology":821746,"Royalties":0,"Occupancy":126901,"Travel":10782,"Conferences and meetings":10311,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":12117,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":521065,"EDUCATIONAL":173749,"TELEPHONE":159213,"MERCHANT FEES":128913,"LEGAL":59190},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2779297,"Management And General Expenses":682090,"Fundraising Expenses":0}},"Assets":{"value":226935,"Non-interest bearing cash":29263,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":35073,"Receivables from officers":6000,"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":133205,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":23394},"Liabilities":{"value":401232,"Sum of Total Liabilities":0,"Accounts payable, accrued":401232,"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":-174297,"Net assets without donor restriction":-174297,"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":0.8029431554460683,"percentile":0.6292261123150169},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.015445060951102872,"percentile":0.4401098991802806},"Liabilities to Assets Ratio":{"score":1.7680481195055853,"percentile":0.0216126463170625},"Operating Reserve Ratio":{"score":0.06556186869598805,"percentile":0.05212318110268682},"Officer Compensation Ratio":{"score":0.04025351687054929,"percentile":0.8060752695786715},"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":0.5773840518950087,"percentile":0.5387243337160373}},"source_xml":"202023249349300702_public.xml"},{"Organization":{"value":null,"Person":["ALBERTO DUARTE","GARY J JEMELIAN","BOB MOORE","KAREN HUNT","MIRA KENNEY"],"Title":["VP / SECRETARY","PRES /CEO/DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,30.0,0,0,0],"Total Compensation":[105200,82000,0,0,0],"Direct compensation":[95000,70000,0,0,0],"Other compensation":[10200,12000,0,0,0]},"Basic":{"value":null,"mission":"The company is a nonprofit organization that operates for the primary purpose of providing personal financial education. the company is approved to issue certificates in compliance with the bankruptcy code. aprroval does not endorse or assure the quality of an agencys services.","year":2022,"name":"ACCESS COUNSELING INC","phone":8002059297,"website":"ACCESSCOUNSELINGINC.ORG","type":"990","affiliation":null,"foreign_countries":["Australia","China","Hong Kong","Indonesia","Japan","Macau","Malaysia","Marshall Islands","Micronesia","Mongolia","Nauru","New Zealand","Niue","North Korea","Palau","Papua New Guinea","Philippines","Samoa","Solomon Islands","South Korea","Taiwan","Tonga","Tuvalu","Vanuatu"],"principal_officer":"GARY J JEMELIAN","year_formation":2010,"state_legal_domicile":"DE","total_volunteers":null,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"633 W 5TH STREET STE 26001, LOS ANGELES, CA, 90071, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":90071},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":4,"Number of independent voting members":4,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":4,"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":2506588,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2506588,"Total revenue":2506588,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":3181946,"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":1530212,"Current officers":165000,"Disqualified persons":0,"Other salaries and wages":1181587,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":183625},"Other expenses":{"value":1651734,"Management services":0,"Legal":31310,"Accounting":5400,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":275915,"Information technology":119407,"Royalties":0,"Occupancy":-43657,"Travel":8440,"Conferences and meetings":0,"Interest":17586,"Payments to affiliates":0,"Depreciation and depletion":85296,"Insurance":533,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":921437,"EDUCATIONAL":133203,"MERCHANT FEES":105066,"TELEPHONE":139010,"LICENSING FEES":544158},"All other expenses":230067},"Functional Expenses":{"value":null,"Program Service Expenses":2752845,"Management And General Expenses":429101,"Fundraising Expenses":0}},"Assets":{"value":574636,"Non-interest bearing cash":96629,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":46988,"Receivables from officers":6000,"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":403125,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":21894},"Liabilities":{"value":2199582,"Sum of Total Liabilities":0,"Accounts payable, accrued":199582,"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":2000000},"Fund balance":{"value":-1624946,"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":0.865145103028147,"percentile":0.7164903772566521},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.2694331896586116,"percentile":0.12271803392885493},"Liabilities to Assets Ratio":{"score":3.8277831531613056,"percentile":0.009829442196669142},"Operating Reserve Ratio":{"score":0.18059263105030696,"percentile":0.10619169287622172},"Officer Compensation Ratio":{"score":0.05883192235191923,"percentile":0.7147435443484326},"Program Expense Growth":{"score":-0.024263137502536006,"percentile":0.24922043768600027},"Revenue Growth":{"score":-0.02138377820958307,"percentile":0.29213676606331},"Asset Growth":{"score":0.13968400275812531,"percentile":0.7650973820709555},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.49461126055078725,"percentile":0.30857096346419866}},"source_xml":"202333209349301338_public.xml"},{"Organization":{"value":null,"Person":["Alberto Duarte","Gary J Jemelian","Mira Kenney","Karen Hunt","Bob Moore"],"Title":["Vice President and Secretary","President","Director","Director","Director"],"Hours":[40.0,30.0,0.0,0.0,0.0],"Total Compensation":[105200,82000,0,0,0],"Direct compensation":[105200,82000,0,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"Pursuant to an approval from the us department of justice executive office for us trustees (eoust), the company provides the personal financial management instructional course required by the bankruptcy abuse prevention and consumer act of 2005.","year":2023,"name":"Access Counseling Inc","phone":null,"website":"ACCESSCOUNSELINGINC.ORG","type":"990","affiliation":null,"foreign_countries":["Australia","China","Hong Kong","Indonesia","Japan","Macau","Malaysia","Marshall Islands","Micronesia","Mongolia","Nauru","New Zealand","Niue","North Korea","Palau","Papua New Guinea","Philippines","Samoa","Solomon Islands","South Korea","Taiwan","Tonga","Tuvalu","Vanuatu"],"principal_officer":"Alberto Duarte","year_formation":2010,"state_legal_domicile":"DE","total_volunteers":null,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"633 West 5th Street STE 26001, Los Angeles, CA, 90071, USA","city":"Los Angeles","state":"CA","country":"USA","zip_code":90071},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":4,"Number of independent voting members":3,"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":false,"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":2678184,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2619999,"Total revenue":2619999,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":58185,"Other total":58185,"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":3159950,"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":1535312,"Current officers":165000,"Disqualified persons":0,"Other salaries and wages":1183972,"Pension plan contributions":0,"Other employee benefits":22200,"Payroll taxes":164140},"Other expenses":{"value":1624638,"Management services":-53200,"Legal":4929,"Accounting":5550,"Lobbying services":0,"Investment management fees":0,"Other services":107901,"Advertising":203136,"Office expenses":29427,"Information technology":133336,"Royalties":0,"Occupancy":28972,"Travel":8140,"Conferences and meetings":0,"Interest":106072,"Payments to affiliates":0,"Depreciation and depletion":90653,"Insurance":514,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":739744,"Licensing Fees":402333,"Postage and Fulfillment Exp":110129,"Merchant Fees":120691,"Educational Materials":106591},"All other expenses":219464},"Functional Expenses":{"value":null,"Program Service Expenses":2890296,"Management And General Expenses":269654,"Fundraising Expenses":0}},"Assets":{"value":474997,"Non-interest bearing cash":99786,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":34845,"Receivables from officers":6000,"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":312472,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":21894},"Liabilities":{"value":2581709,"Sum of Total Liabilities":0,"Accounts payable, accrued":581709,"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":2000000},"Fund balance":{"value":-2106712,"Net assets without donor restriction":-2106712,"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":0.9146651054605295,"percentile":0.7941792271192994},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.1798853252801152,"percentile":0.16213206529304242},"Liabilities to Assets Ratio":{"score":5.435211169754757,"percentile":0.00731933540139586},"Operating Reserve Ratio":{"score":0.15031788477665786,"percentile":0.09183391572672328},"Officer Compensation Ratio":{"score":0.05924144369372933,"percentile":0.7128437100589144},"Program Expense Growth":{"score":-0.021040857222458322,"percentile":0.2572277144578282},"Revenue Growth":{"score":-0.02667766010953278,"percentile":0.27642810408384894},"Asset Growth":{"score":0.12058155438871226,"percentile":0.7293045050965465},"Independent Voting Board Pct":{"score":0.75,"percentile":0.17719847849878714},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4557451146170734,"percentile":0.22272353937688372}},"source_xml":"202413179349307416_public.xml"},{"Organization":{"value":null,"Person":["Alberto Duarte","Gary J Jemelian","Bob Moore","Karen Hunt"],"Title":["VP Secretary","Pres CEO Director","Director","Director"],"Hours":[40.0,30.0,0.0,0.0],"Total Compensation":[105200,56333,0,0],"Direct compensation":[95000,44333,0,0],"Other compensation":[10200,12000,0,0]},"Basic":{"value":null,"mission":"The company is a non-profit organization that operates for the primary purpose of providing personal financial education. the company is approved to issue certificates in compliance with the bankruptcy code. approval does not endorse or assure the quality of an agency's services.","year":2020,"name":"ACCESS COUNSELING INC","phone":9546049109,"website":"accesscounselinginc.org","type":"990","affiliation":null,"foreign_countries":["Australia","China","Hong Kong","Indonesia","Japan","Macau","Malaysia","Marshall Islands","Micronesia","Mongolia","Nauru","New Zealand","Niue","North Korea","Palau","Papua New Guinea","Philippines","Samoa","Solomon Islands","South Korea","Taiwan","Tonga","Tuvalu","Vanuatu"],"principal_officer":"GARY JEMELIAN","year_formation":2010,"state_legal_domicile":"DE","total_volunteers":0,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"633 W 5TH ST STE 26001, LOS ANGELES, CA, 900712005, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":900712005},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":3,"Number of independent voting members":3,"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":3469986,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3428186,"Total revenue":{"value":3428186,"Service Fee Income":0},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":41800,"Other total":41800,"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":3837844,"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":1584719,"Current officers":139333,"Disqualified persons":0,"Other salaries and wages":1348606,"Pension plan contributions":0,"Other employee benefits":22200,"Payroll taxes":74580},"Other expenses":{"value":2253125,"Management services":0,"Legal":73006,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":231686,"Office expenses":332170,"Information technology":686876,"Royalties":0,"Occupancy":74209,"Travel":23343,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":33389,"Insurance":475,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":797971,"Covid-19 Expenses":271507,"Educational":238370,"Merchant fees":136018,"Telephone":152076},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3173108,"Management And General Expenses":664736,"Fundraising Expenses":0}},"Assets":{"value":333620,"Non-interest bearing cash":36750,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":33502,"Receivables from officers":6000,"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":235474,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":21894},"Liabilities":{"value":875774,"Sum of Total Liabilities":0,"Accounts payable, accrued":725774,"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":150000,"Other liabilities":0},"Fund balance":{"value":-542154,"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":0.8267944189498062,"percentile":0.660200349624999},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.10601137872025997,"percentile":0.2172491821861589},"Liabilities to Assets Ratio":{"score":2.625064444577663,"percentile":0.013815010004375378},"Operating Reserve Ratio":{"score":0.08692901535341196,"percentile":0.061991298353622964},"Officer Compensation Ratio":{"score":0.042089516926691134,"percentile":0.7966014943735114},"Program Expense Growth":{"score":-0.021777233350014077,"percentile":0.25536696198203773},"Revenue Growth":{"score":0.002676486051480505,"percentile":0.3816917335017614},"Asset Growth":{"score":0.11587209464889751,"percentile":0.7194349487653873},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5031504268347795,"percentile":0.32934917185343604}},"source_xml":"202123079349301342_public.xml"},{"Organization":{"value":null,"Person":["ALBERTO DUARTE","GARY J JEMELIAN","BOB MOORE","KAREN HUNT"],"Title":["DIRECTOR","PRESIDENT &","DIRECTOR",""],"Hours":[40.0,30.0,0.0,0.0],"Total Compensation":[97169,44500,0,0],"Direct compensation":[91169,38500,0,0],"Other compensation":[6000,6000,0,0]},"Basic":{"value":null,"mission":"The company is a non-profit organization that operates for the primary purpose of providing personal financial education. the company is approved by the u.S. department of justice's executive office for u.S. trustees (eoust) to provide the personal financial management instructional course that is required by the bankruptcy abuse prevention and consumer act of 2005 (bapcpa).","year":2013,"name":"ACCESS COUNSELING INC","phone":8002059297,"website":"ACCESSCOUNSELINGINC.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"GARY J JEMELIAN","year_formation":2010,"state_legal_domicile":"DE","total_volunteers":null,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"633 W 5TH STREET ROOM/SUITE 26001, LOS ANGELES, CA, 90071, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":90071},"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":-2,"Number of employees":2,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"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":3426113,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3426112,"Total revenue":3426112,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1,"Investment income total":1,"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":3628761,"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":547235,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":524209,"Pension plan contributions":0,"Other employee benefits":12000,"Payroll taxes":11026},"Other expenses":{"value":3081526,"Management services":770153,"Legal":366137,"Accounting":29772,"Lobbying services":0,"Investment management fees":0,"Other services":3159,"Advertising":317386,"Office expenses":331131,"Information technology":1120963,"Royalties":0,"Occupancy":76264,"Travel":45641,"Conferences and meetings":20920,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":0,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3474329,"Management And General Expenses":154432,"Fundraising Expenses":0}},"Assets":{"value":118962,"Non-interest bearing cash":22442,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":36116,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":12947,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1804,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":45653},"Liabilities":{"value":806049,"Sum of Total Liabilities":0,"Accounts payable, accrued":806049,"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":-687087,"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":0.9574422233925023,"percentile":0.8561657657512507},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.0591480783033134,"percentile":0.2718453764756162},"Liabilities to Assets Ratio":{"score":6.775684672416402,"percentile":0.00614560340066827},"Operating Reserve Ratio":{"score":0.03278309042673243,"percentile":0.037189645893636526},"Officer Compensation Ratio":{"score":0.03904059815457673,"percentile":0.8123823287084496},"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":0.5390685233897342,"percentile":0.42573298885305383}},"source_xml":"201412399349300861_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["Alberto Duarte","Gary Jemelian","Mira Kenney","Karen Hunt","Bob Moore"],"Title":["Vice President and Secretary","President","Director","Director","Director"],"Hours":[40.0,30.0,0.0,0.0,0.0],"Total Compensation":[105200,82000,0,0,0],"Direct compensation":[105200,82000,0,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"Pursuant to an approval from the us department of justice executive office for us trustees (eoust), the company provides the personal financial management instructional course required by the bankruptcy abuse prevention and consumer act of 2005.","year":2024,"name":"ACCESS COUNSELING INC","phone":8002059297,"website":"ACCESSCOUNSELINGINC.ORG","type":"990","affiliation":null,"foreign_countries":["Australia","China","Hong Kong","Indonesia","Japan","Macau","Malaysia","Marshall Islands","Micronesia","Mongolia","Nauru","New Zealand","Niue","North Korea","Palau","Papua New Guinea","Philippines","Samoa","Solomon Islands","South Korea","Taiwan","Tonga","Tuvalu","Vanuatu"],"principal_officer":"Alberto Duarte","year_formation":2010,"state_legal_domicile":"DE","total_volunteers":null,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"633 West 5th Street STE 26001, Los Angeles, CA, 90071, USA","city":"Los Angeles","state":"CA","country":"USA","zip_code":90071},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":4,"Number of independent voting members":3,"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":2158050,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2158050,"Total revenue":2158050,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":2474279,"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":899030,"Current officers":165000,"Disqualified persons":0,"Other salaries and wages":585312,"Pension plan contributions":0,"Other employee benefits":22200,"Payroll taxes":126518},"Other expenses":{"value":1575249,"Management services":0,"Legal":29905,"Accounting":1750,"Lobbying services":0,"Investment management fees":0,"Other services":18314,"Advertising":273435,"Office expenses":21194,"Information technology":42336,"Royalties":0,"Occupancy":29860,"Travel":19341,"Conferences and meetings":0,"Interest":29286,"Payments to affiliates":0,"Depreciation and depletion":85649,"Insurance":537,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":757075,"Licensing Fee":516214,"Postage and Fulfillment Exp":66659,"Merchant Fee":93597,"Educational Materials":80605},"All other expenses":266567},"Functional Expenses":{"value":null,"Program Service Expenses":2194461,"Management And General Expenses":279818,"Fundraising Expenses":0}},"Assets":{"value":401565,"Non-interest bearing cash":152848,"Savings and temp cash investments":0,"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":226823,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":21894},"Liabilities":{"value":2824506,"Sum of Total Liabilities":0,"Accounts payable, accrued":841392,"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":1983114},"Fund balance":{"value":-2422941,"Net assets without donor restriction":-2422941,"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":0.8869092774097019,"percentile":0.7500243690235473},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.14653460299807697,"percentile":0.18349070725841246},"Liabilities to Assets Ratio":{"score":7.033745470845318,"percentile":0.005971899258152214},"Operating Reserve Ratio":{"score":0.16229576373561752,"percentile":0.0975118723575302},"Officer Compensation Ratio":{"score":0.07565840392292057,"percentile":0.6416614612509506},"Program Expense Growth":{"score":-0.03095903336995053,"percentile":0.2338267062324711},"Revenue Growth":{"score":-0.037627780137862145,"percentile":0.2475797562664288},"Asset Growth":{"score":0.09879308248565127,"percentile":0.6801274634289804},"Independent Voting Board Pct":{"score":0.75,"percentile":0.17719847849878714},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4354291975321176,"percentile":0.18319216747997102}},"source_xml":"202513169349309381_public.xml"},"sector":"Human Services","donation_categories":[],"zakat_policy":null},"error":null}