{"success":true,"data":{"_id":311353001,"filings":[{"Organization":{"value":null,"Person":["LOUIS WILLIAMS","JESSICA CRUZ","KELLIE HINELY","DONNA PARKER"],"Title":["PRESIDENT","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER"],"Hours":[40.0,0.5,0.5,0.5],"Total Compensation":[66000,0,0,0],"Direct compensation":[66000,0,0,0],"Other compensation":[0,0,0,0]},"Basic":{"value":null,"mission":"To provide debt management counseling services and money management education for clients.","year":2024,"name":"A DEBT COACH CREDIT COUNSELING SERVICE","phone":8887679155,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LOUIS WILLIAMS","year_formation":null,"state_legal_domicile":"KY","total_volunteers":null,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"71 CAVALIER BLVD 224, FLORENCE, KY, 41042, USA","city":"FLORENCE","state":"KY","country":"USA","zip_code":41042},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":4,"Number of independent voting members":4,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":1,"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":158074,"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":158074,"Total revenue":158074,"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":180152,"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":73614,"Current officers":66000,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":7614},"Other expenses":{"value":106538,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":878,"Advertising":47576,"Office expenses":3640,"Information technology":0,"Royalties":0,"Occupancy":9944,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":12802,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":26362,"ADMINISTRATIVE":7791,"TELEPHONE":7229,"LICENSING":6607,"BANK FEES":4735},"All other expenses":5336},"Functional Expenses":{"value":null,"Program Service Expenses":127549,"Management And General Expenses":52603,"Fundraising Expenses":0}},"Assets":{"value":76040,"Non-interest bearing cash":1981,"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":3389,"Land, building, equipment":56797,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":13873},"Liabilities":{"value":15705,"Sum of Total Liabilities":0,"Accounts payable, accrued":2682,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":13023,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":60335,"Net assets without donor restriction":60335,"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":0.7080076824015276,"percentile":0.5419900429378167},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.139668762731379,"percentile":0.18853852065725107},"Liabilities to Assets Ratio":{"score":0.20653603366649131,"percentile":0.2473030793156057},"Operating Reserve Ratio":{"score":0.42208801456547806,"percentile":0.2177171809317176},"Officer Compensation Ratio":{"score":0.3663572982814512,"percentile":0.1350171693250509},"Program Expense Growth":{"score":0.0076032807521624075,"percentile":0.3532006399308998},"Revenue Growth":{"score":0.0038116212214487056,"percentile":0.3866950217128318},"Asset Growth":{"score":-0.027351005997024013,"percentile":0.22138780490334967},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4340432925009811,"percentile":0.18050557327308728}},"source_xml":"202512949349301586_public.xml"},{"Organization":{"value":null,"Person":["LOUIS WILLIAMS","TODD BRECKEL","JESSICA CRUZ","SAMUEL CUTRUZZULA","MICHAEL EUBANKS","KELLIE HINELY","TODD ILLIES","MARIA MENENDEZ","DONNA PARKER","JUDITH REUSCH"],"Title":["PRESIDENT","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","CHAIRMAN","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER"],"Hours":[40.0,0,0,0,0,0,0,0,0,0],"Total Compensation":[66000,0,0,0,0,0,0,0,0,0],"Direct compensation":[66000,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide debt management counseling services and money management education for clients.","year":2022,"name":"A DEBT COACH CREDIT COUNSELING SERVICE","phone":8887679155,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LOUIS WILLIAMS","year_formation":null,"state_legal_domicile":"KY","total_volunteers":null,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"71 CAVALIER BLVD 224, FLORENCE, KY, 41042, USA","city":"FLORENCE","state":"KY","country":"USA","zip_code":41042},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":7,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":7,"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":507183,"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":507183,"Total revenue":507183,"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":506444,"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":287400,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":272602,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":14798},"Other expenses":{"value":219044,"Management services":0,"Legal":0,"Accounting":7800,"Lobbying services":0,"Investment management fees":0,"Other services":59118,"Advertising":21497,"Office expenses":2760,"Information technology":0,"Royalties":0,"Occupancy":9640,"Travel":0,"Conferences and meetings":398,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":9782,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":102358,"BANK AND PROCESSING FEES":74705,"DUES AND SUBSCRIPTIONS":12534,"TELEPHONE":8240,"LICENSING":6879},"All other expenses":5691},"Functional Expenses":{"value":null,"Program Service Expenses":427273,"Management And General Expenses":79171,"Fundraising Expenses":0}},"Assets":{"value":97616,"Non-interest bearing cash":3256,"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":6507,"Land, building, equipment":68161,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":19692},"Liabilities":{"value":19241,"Sum of Total Liabilities":0,"Accounts payable, accrued":399,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":18842,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":78375,"Net assets without donor restriction":78375,"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":0.8436727456540111,"percentile":0.6837954049285847},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.001457067764495261,"percentile":0.3995056534164962},"Liabilities to Assets Ratio":{"score":0.19710908047861006,"percentile":0.25274239511793034},"Operating Reserve Ratio":{"score":0.19274786550931594,"percentile":0.11199716910533583},"Officer Compensation Ratio":{"score":0.1303204302943662,"percentile":0.46107561877700487},"Program Expense Growth":{"score":0.12668668729940671,"percentile":0.7231981806356635},"Revenue Growth":{"score":0.10216361629707735,"percentile":0.7687543517352767},"Asset Growth":{"score":-0.029191181468232182,"percentile":0.21564937127592676},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5958909334719528,"percentile":0.5934199440322871}},"source_xml":"202302639349300620_public.xml"},{"Organization":{"value":null,"Person":["MICHAEL EUBANKS","JUDITH REUSCH","DONNA PARKER","TODD BRECKEL","TODD ILLIES","JESSICA CRUZ","KELLIE HINELY","SAMUEL CUTRUZZULA","MARIA MENENDEZ","LOUIS WILLIAMS"],"Title":["CHAIRMAN","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","PRESIDENT"],"Hours":[1.0,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,42114],"Direct compensation":[0,0,0,0,0,0,0,0,0,42114],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide debt management counseling services and money management education for clients.","year":2017,"name":"A DEBT COACH CREDIT COUNSELING SERVICE","phone":8887679155,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LOUIS WILLIAMS","year_formation":null,"state_legal_domicile":"KY","total_volunteers":null,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"71 CAVALIER BLVD 224, FLORENCE, KY, 41042, USA","city":"FLORENCE","state":"KY","country":"USA","zip_code":41042},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":7,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":7,"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":392036,"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":392036,"Total revenue":392036,"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":361528,"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":81164,"Current officers":42114,"Disqualified persons":0,"Other salaries and wages":28819,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":10231},"Other expenses":{"value":280364,"Management services":0,"Legal":460,"Accounting":4980,"Lobbying services":0,"Investment management fees":0,"Other services":50149,"Advertising":68981,"Office expenses":28017,"Information technology":8537,"Royalties":0,"Occupancy":12451,"Travel":3292,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":5233,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":90506,"BANK AND PROCESSING FEES":46312,"LICENSING":25471,"OTHER":11050,"DUES AND SUBSCRIPTIONS":7673},"All other expenses":7758},"Functional Expenses":{"value":null,"Program Service Expenses":308132,"Management And General Expenses":53396,"Fundraising Expenses":0}},"Assets":{"value":53178,"Non-interest bearing cash":11592,"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":8759,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":32827},"Liabilities":{"value":31977,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":31977,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":21201,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":21201,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8523046624327852,"percentile":0.6970640361547695},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0778193839341285,"percentile":0.5828168094957914},"Liabilities to Assets Ratio":{"score":0.6013200947760352,"percentile":0.11190213410287546},"Operating Reserve Ratio":{"score":0.14709234139541058,"percentile":0.09028630069687137},"Officer Compensation Ratio":{"score":0.11648890265760882,"percentile":0.5002400433298967},"Program Expense Growth":{"score":-0.0536746764338612,"percentile":0.19265022052251884},"Revenue Growth":{"score":-0.12152259250785943,"percentile":0.12287074684806282},"Asset Growth":{"score":-0.40739856200654,"percentile":0.01984536956796615},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.49603405734664113,"percentile":0.31196810324329155}},"source_xml":"201833189349308633_public.xml"},{"Organization":{"value":null,"Person":["LOUIS WILLIAMS","JESSICA CRUZ","KELLIE HINELY","DONNA PARKER"],"Title":["PRESIDENT","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER"],"Hours":[40.0,0,0,0],"Total Compensation":[66000,0,0,0],"Direct compensation":[66000,0,0,0],"Other compensation":[0,0,0,0]},"Basic":{"value":null,"mission":"To provide debt management counseling services and money management education for clients.","year":2023,"name":"A DEBT COACH CREDIT COUNSELING SERVICE","phone":8887679155,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LOUIS WILLIAMS","year_formation":null,"state_legal_domicile":"KY","total_volunteers":null,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"71 CAVALIER BLVD 224, FLORENCE, KY, 41042, USA","city":"FLORENCE","state":"KY","country":"USA","zip_code":41042},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":5,"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":441874,"Contributions":{"value":176315,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":176315,"Related organizations":0},"Program revenue":{"value":246195,"Total revenue":246195,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":19364,"Investment income total":19364,"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":437836,"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":193508,"Current officers":66000,"Disqualified persons":0,"Other salaries and wages":112852,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":14656},"Other expenses":{"value":244328,"Management services":0,"Legal":0,"Accounting":10570,"Lobbying services":0,"Investment management fees":0,"Other services":33886,"Advertising":85259,"Office expenses":1682,"Information technology":0,"Royalties":0,"Occupancy":9610,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":22322,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":68951,"BANK FEES":32987,"CREDIT REPORT":23997,"TELEPHONE":8179,"REPAIRS":3788},"All other expenses":12048},"Functional Expenses":{"value":null,"Program Service Expenses":292207,"Management And General Expenses":145629,"Fundraising Expenses":0}},"Assets":{"value":90318,"Non-interest bearing cash":16579,"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":6963,"Land, building, equipment":60585,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":6191},"Liabilities":{"value":7905,"Sum of Total Liabilities":0,"Accounts payable, accrued":2564,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":5341,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":82413,"Net assets without donor restriction":82413,"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":0.6673891594112864,"percentile":0.5199576260945921},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.009138351656807145,"percentile":0.42257604379662905},"Liabilities to Assets Ratio":{"score":0.08752408157842291,"percentile":0.33834432913329826},"Operating Reserve Ratio":{"score":0.20628271772992626,"percentile":0.11842448020606844},"Officer Compensation Ratio":{"score":0.15074137348230846,"percentile":0.41051267687628173},"Program Expense Growth":{"score":0.05816628375656684,"percentile":0.5609181140376058},"Revenue Growth":{"score":0.0526220732383107,"percentile":0.617197357896508},"Asset Growth":{"score":-0.023320131225758437,"percentile":0.23475879261876173},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5260879711492029,"percentile":0.3897695436529562}},"source_xml":"202412889349301041_public.xml"},{"Organization":{"value":null,"Person":["LOUIS R WILLIAMS","GEORGE E HAUSS","TODD A BRECKEL","TERRY W HALL JR","MICHAEL EUBANKS","TODD R ILLE","GREGORY MCTAGGART"],"Title":["PRESIDENT","CHAIRMAN","MEMBER","MEMBER","MEMBER","MEMBER","FORMER DIRECTOR"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,0.0],"Total Compensation":[40002,0,0,0,0,0,16147],"Direct compensation":[40002,0,0,0,0,0,16147],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide debt management counseling services and money management education for clients","year":2015,"name":"A DEBT COACH CREDIT COUNSELING SERVICE","phone":8887679155,"website":"HTTP://WWW.ADEBTCOACH.ORG/","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LOUIS R WILLIAMS","year_formation":1992,"state_legal_domicile":"OH","total_volunteers":0,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"71 CAVALIER BLVD 224, FLORENCE, KY, 41042, USA","city":"FLORENCE","state":"KY","country":"USA","zip_code":41042},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":6,"Number of independent voting members":5,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"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":175089,"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":176950,"Total revenue":176950,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":-4093,"Investment income total":0,"Net investment gain":-4093,"Income from invest bond proceeds":0},"Other revenues":{"value":2232,"Other total":2232,"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":235517,"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":94337,"Current officers":40002,"Disqualified persons":0,"Other salaries and wages":44026,"Pension plan contributions":0,"Other employee benefits":132,"Payroll taxes":10177},"Other expenses":{"value":141180,"Management services":0,"Legal":0,"Accounting":6440,"Lobbying services":0,"Investment management fees":0,"Other services":12607,"Advertising":21885,"Office expenses":13579,"Information technology":12223,"Royalties":0,"Occupancy":26323,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":190,"Insurance":6113,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":40940,"TRANSITION FEES":16147,"BANK SERVICE CHARGES":13990,"LICENSES AND PERMITS":9697,"EQUIPMENT RENTAL":1106},"All other expenses":880},"Functional Expenses":{"value":null,"Program Service Expenses":153624,"Management And General Expenses":81893,"Fundraising Expenses":0}},"Assets":{"value":49572,"Non-interest bearing cash":3516,"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":905,"Land, building, equipment":190,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":44961},"Liabilities":{"value":50624,"Sum of Total Liabilities":0,"Accounts payable, accrued":2013,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":44111,"Loans from officers, directors":4500,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":-1052,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":-1052,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.6522841238636702,"percentile":0.5134625764301193},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.3451273352409346,"percentile":0.10127685141008817},"Liabilities to Assets Ratio":{"score":1.0212216573872348,"percentile":0.04746383758334931},"Operating Reserve Ratio":{"score":0.2104816212842385,"percentile":0.12042235460997494},"Officer Compensation Ratio":{"score":0.23840741857275696,"percentile":0.2559316098726916},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8333333333333334,"percentile":0.20587825144360158},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3420291634677551,"percentile":0.04416501695970089}},"source_xml":"201621419349300527_public.xml"},{"Organization":{"value":null,"Person":["JOHN WHITE","DAN MURINCSAK","JURGEN MATTHESIUS","GREGORY MCTAGGART"],"Title":["Chairman","Director","Director","President"],"Hours":[1.0,1.0,1.0,16.0],"Total Compensation":[0,0,0,62872],"Direct compensation":[0,0,0,62872],"Other compensation":[0,0,0,0]},"Basic":{"value":null,"mission":"To provide debt management conseling services and money management education for clients.","year":2013,"name":"CHRISTIAN CREDIT OUTREACH INC","phone":8887679155,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1992,"state_legal_domicile":"OH","total_volunteers":null,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"6730 ROOSEVELT AVE, FRANKLIN, OH, 45005, USA","city":"FRANKLIN","state":"OH","country":"USA","zip_code":45005},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":10,"Total Gross UBI":5,"Net unrelated business taxable income":null,"Number of employees":10,"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":482930,"Contributions":{"value":112386,"Other contributions":112386,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":370539,"Total revenue":370539,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5,"Investment income total":5,"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":541111,"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":353063,"Current officers":64112,"Disqualified persons":0,"Other salaries and wages":256898,"Pension plan contributions":0,"Other employee benefits":2248,"Payroll taxes":29805},"Other expenses":{"value":188048,"Management services":0,"Legal":24040,"Accounting":6334,"Lobbying services":0,"Investment management fees":0,"Other services":4000,"Advertising":21537,"Office expenses":8159,"Information technology":0,"Royalties":0,"Occupancy":21600,"Travel":192,"Conferences and meetings":0,"Interest":862,"Payments to affiliates":0,"Depreciation and depletion":1849,"Insurance":4262,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":77763,"TELEPHONE":34287,"SOFTWARE SUPPORT":17210,"BANK CHARGES":15682,"Postage and Shipping":10584},"All other expenses":17450},"Functional Expenses":{"value":null,"Program Service Expenses":311332,"Management And General Expenses":229779,"Fundraising Expenses":0}},"Assets":{"value":187332,"Non-interest bearing cash":50052,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":20992,"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":18191,"Land, building, equipment":5806,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":92291},"Liabilities":{"value":256644,"Sum of Total Liabilities":0,"Accounts payable, accrued":17353,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":92291,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":147000,"Other liabilities":0},"Fund balance":{"value":-69312,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":-69312,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.5753569969932232,"percentile":0.4894210242240178},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.12047501708322117,"percentile":0.2040357643122772},"Liabilities to Assets Ratio":{"score":1.36999551598232,"percentile":0.030821219108111163},"Operating Reserve Ratio":{"score":0.3461988390552031,"percentile":0.1839459090560943},"Officer Compensation Ratio":{"score":0.11619057827321935,"percentile":0.5011533312788424},"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":0.37660959333854854,"percentile":0.0858196262166318}},"source_xml":"201401339349303150_public.xml"},{"Organization":{"value":null,"Person":["MICHAEL EUBANKS","JUDITH REUSCH","DONNA PARKER","TODD BRECKEL","TODD ILLIES","JESSICA CRUZ","KELLIE HINELY","SAMUEL CUTRUZZULA","MARIA MENENDEZ","LOUIS WILLIAMS"],"Title":["CHAIRMAN","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","PRESIDENT"],"Hours":[1.0,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,54500],"Direct compensation":[0,0,0,0,0,0,0,0,0,54500],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide debt management counseling services and money management education for clients.","year":2018,"name":"A DEBT COACH CREDIT COUNSELING SERVICE","phone":8887679155,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LOUIS WILLIAMS","year_formation":null,"state_legal_domicile":"KY","total_volunteers":null,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"71 CAVALIER BLVD 224, FLORENCE, KY, 41042, USA","city":"FLORENCE","state":"KY","country":"USA","zip_code":41042},"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":null,"Number of employees":1,"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":987562,"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":987562,"Total revenue":987562,"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":972839,"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":184906,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":167074,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":17832},"Other expenses":{"value":787933,"Management services":0,"Legal":0,"Accounting":4057,"Lobbying services":0,"Investment management fees":0,"Other services":104564,"Advertising":431940,"Office expenses":56145,"Information technology":4320,"Royalties":0,"Occupancy":9950,"Travel":1260,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":2143,"Insurance":3867,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":169419,"BANK AND PROCESSING FEES":68797,"DUES AND SUBSCRIPTIONS":64364,"LICENSING":33655,"TELEPHONE":2603},"All other expenses":268},"Functional Expenses":{"value":null,"Program Service Expenses":912993,"Management And General Expenses":59846,"Fundraising Expenses":0}},"Assets":{"value":127863,"Non-interest bearing cash":15065,"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":10657,"Land, building, equipment":27857,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":74284},"Liabilities":{"value":91939,"Sum of Total Liabilities":0,"Accounts payable, accrued":18505,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":73434,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":35924,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":35924,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.9384831405813295,"percentile":0.8288200961871541},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.014908431065593857,"percentile":0.4386565740289919},"Liabilities to Assets Ratio":{"score":0.719043038251879,"percentile":0.09073685788870808},"Operating Reserve Ratio":{"score":0.1314328475729283,"percentile":0.08285156456038377},"Officer Compensation Ratio":{"score":0.056021602752356764,"percentile":0.7278147949717394},"Program Expense Growth":{"score":0.26272166190791874,"percentile":0.8464568582203443},"Revenue Growth":{"score":0.1816969798531087,"percentile":0.8816241214989091},"Asset Growth":{"score":-0.1508720175444522,"percentile":0.07270832030821792},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6626871661594171,"percentile":0.772103056905841}},"source_xml":"201923199349316817_public.xml"},{"Organization":{"value":null,"Person":["GEORGE HAUSS","RANDY WILLIAMS","MICHAEL EUBANKS","TODD BRECKEL","TODD ILLIES","LOUIS WILLIAMS"],"Title":["CHAIRMAN","PRESIDENT","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","PRESIDENT"],"Hours":[40.0,0,0,0,0,0],"Total Compensation":[0,0,0,0,0,36800],"Direct compensation":[0,0,0,0,0,36800],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide debt management counseling services and money management education for clients.","year":2016,"name":"A DEBT COACH CREDIT COUNSELING SERVICE","phone":8887679155,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RANDY WILLIAMS","year_formation":null,"state_legal_domicile":"KY","total_volunteers":null,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"71 CAVALIER BLVD 224, FLORENCE, KY, 41042, USA","city":"FLORENCE","state":"KY","country":"USA","zip_code":41042},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":3,"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":162591,"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":162591,"Total revenue":162591,"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":155347,"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":50839,"Current officers":36800,"Disqualified persons":0,"Other salaries and wages":11257,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2782},"Other expenses":{"value":104508,"Management services":0,"Legal":175,"Accounting":5990,"Lobbying services":0,"Investment management fees":0,"Other services":2583,"Advertising":8830,"Office expenses":7605,"Information technology":6173,"Royalties":0,"Occupancy":11887,"Travel":1819,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":190,"Insurance":2675,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":44982,"BANK AND PROCESSING FEES":26380,"DUES AND SUBSCRIPTIONS":10390,"TELEPHONE":4144,"REFUNDS":4068},"All other expenses":11599},"Functional Expenses":{"value":null,"Program Service Expenses":125547,"Management And General Expenses":29800,"Fundraising Expenses":0}},"Assets":{"value":50154,"Non-interest bearing cash":5318,"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":1808,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":43028},"Liabilities":{"value":43962,"Sum of Total Liabilities":0,"Accounts payable, accrued":1784,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":42178,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":6192,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":6192,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8081713840627756,"percentile":0.6358287079181201},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.04455351157198123,"percentile":0.5126118908532635},"Liabilities to Assets Ratio":{"score":0.8765402560114847,"percentile":0.06839395771778976},"Operating Reserve Ratio":{"score":0.3228514229434749,"percentile":0.17326902249862022},"Officer Compensation Ratio":{"score":0.23688902907684087,"percentile":0.2579589137636401},"Program Expense Growth":{"score":-0.32690580258331814,"percentile":0.05732899971808079},"Revenue Growth":{"score":-0.4149866736765506,"percentile":0.02952054830954595},"Asset Growth":{"score":-0.5124439759809615,"percentile":0.0130625903639285},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4323460840280319,"percentile":0.17736421390121518}},"source_xml":"201703049349301230_public.xml"},{"Organization":{"value":null,"Person":["LOUIS WILLIAMS","TODD BRECKEL","JESSICA CRUZ","SAMUEL CUTRUZZULA","MICHAEL EUBANKS","KELLIE HINELY","TODD ILLIES","MARIA MENENDEZ","DONNA PARKER","JUDITH REUSCH"],"Title":["PRESIDENT","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","CHAIRMAN","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER"],"Hours":[40.0,0.5,0.5,0.5,1.0,0.5,0.5,0.5,0.5,0.5],"Total Compensation":[54000,0,0,0,0,0,0,0,0,0],"Direct compensation":[54000,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide debt management counseling services and money management education for clients.","year":2019,"name":"A DEBT COACH CREDIT COUNSELING SERVICE","phone":8887679155,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LOUIS WILLIAMS","year_formation":null,"state_legal_domicile":"KY","total_volunteers":null,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"71 CAVALIER BLVD 224, FLORENCE, KY, 41042, USA","city":"FLORENCE","state":"KY","country":"USA","zip_code":41042},"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":null,"Number of employees":1,"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":1181587,"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":1181587,"Total revenue":1181587,"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":1179454,"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":302756,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":275515,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":27241},"Other expenses":{"value":876698,"Management services":0,"Legal":0,"Accounting":25277,"Lobbying services":0,"Investment management fees":0,"Other services":338494,"Advertising":317595,"Office expenses":52564,"Information technology":0,"Royalties":0,"Occupancy":12545,"Travel":5583,"Conferences and meetings":8363,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":2143,"Insurance":6056,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":102848,"BANK AND PROCESSING FEES":70778,"LICENSING":18470,"TELEPHONE":8080,"REPAIRS AND MAINTENANCE":5520},"All other expenses":5230},"Functional Expenses":{"value":null,"Program Service Expenses":1077511,"Management And General Expenses":101943,"Fundraising Expenses":0}},"Assets":{"value":117687,"Non-interest bearing cash":21140,"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":11162,"Land, building, equipment":25714,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":59671},"Liabilities":{"value":79630,"Sum of Total Liabilities":0,"Accounts payable, accrued":20809,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":58821,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":38057,"Net assets without donor restriction":38057,"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":0.9135676338373518,"percentile":0.7925126678643069},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0018051992785973441,"percentile":0.4006363570961133},"Liabilities to Assets Ratio":{"score":0.6766252857154996,"percentile":0.09764671854848886},"Operating Reserve Ratio":{"score":0.09978091557619034,"percentile":0.06798532574790446},"Officer Compensation Ratio":{"score":0.04578389661657004,"percentile":0.7777711573897937},"Program Expense Growth":{"score":0.2951335229729588,"percentile":0.8628313086278417},"Revenue Growth":{"score":0.2403372258139327,"percentile":0.9216857030150474},"Asset Growth":{"score":-0.06359148221364115,"percentile":0.14330524020368804},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6579008629921266,"percentile":0.7607869237216429}},"source_xml":"202002309349302785_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["LOUIS WILLIAMS","JESSICA CRUZ","KELLIE HINELY","DONNA PARKER"],"Title":["PRESIDENT","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER"],"Hours":[40.0,0.5,0.5,0.5],"Total Compensation":[66000,0,0,0],"Direct compensation":[66000,0,0,0],"Other compensation":[0,0,0,0]},"Basic":{"value":null,"mission":"To provide debt management counseling services and money management education for clients.","year":2024,"name":"A DEBT COACH CREDIT COUNSELING SERVICE","phone":8887679155,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LOUIS WILLIAMS","year_formation":null,"state_legal_domicile":"KY","total_volunteers":null,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"71 CAVALIER BLVD 224, FLORENCE, KY, 41042, USA","city":"FLORENCE","state":"KY","country":"USA","zip_code":41042},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":4,"Number of independent voting members":4,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":1,"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":158074,"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":158074,"Total revenue":158074,"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":180152,"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":73614,"Current officers":66000,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":7614},"Other expenses":{"value":106538,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":878,"Advertising":47576,"Office expenses":3640,"Information technology":0,"Royalties":0,"Occupancy":9944,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":12802,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":26362,"ADMINISTRATIVE":7791,"TELEPHONE":7229,"LICENSING":6607,"BANK FEES":4735},"All other expenses":5336},"Functional Expenses":{"value":null,"Program Service Expenses":127549,"Management And General Expenses":52603,"Fundraising Expenses":0}},"Assets":{"value":76040,"Non-interest bearing cash":1981,"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":3389,"Land, building, equipment":56797,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":13873},"Liabilities":{"value":15705,"Sum of Total Liabilities":0,"Accounts payable, accrued":2682,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":13023,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":60335,"Net assets without donor restriction":60335,"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":0.7080076824015276,"percentile":0.5419900429378167},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.139668762731379,"percentile":0.18853852065725107},"Liabilities to Assets Ratio":{"score":0.20653603366649131,"percentile":0.2473030793156057},"Operating Reserve Ratio":{"score":0.42208801456547806,"percentile":0.2177171809317176},"Officer Compensation Ratio":{"score":0.3663572982814512,"percentile":0.1350171693250509},"Program Expense Growth":{"score":0.0076032807521624075,"percentile":0.3532006399308998},"Revenue Growth":{"score":0.0038116212214487056,"percentile":0.3866950217128318},"Asset Growth":{"score":-0.027351005997024013,"percentile":0.22138780490334967},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4340432925009811,"percentile":0.18050557327308728}},"source_xml":"202512949349301586_public.xml"},"sector":"Human Services","donation_categories":[],"zakat_policy":null},"error":null}