{"success":true,"data":{"_id":510235743,"filings":[{"Organization":{"value":null,"Person":["JEFF GREENE","CHRIS KERVIN","BARBARA S WHITE CPA","JUDGE W MARK ANDERSONIII","DR A WAYNE LACEY","CHESTER MALLORY","THE REV DR ALBERT D PERKINS III","DR PERCY VAUGHN JR","ROGER KNAUFF","ROBERT SMITH","DONNA COOPER","BEVERLY ROSS"],"Title":["Chairman","Vice Chairman","Treasurer","Member","Member","Member","Member","Member","Executive Director- nonvoting","Member","Member","Secretary (Deceased 8/19/15)"],"Hours":[1.0,0.3,0.3,0.3,0.3,0.3,0.3,0.3,50.0,0.3,0.3,0.3],"Total Compensation":[0,0,0,0,0,0,0,0,54956,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0,54956,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To promote safe and affordable housing, home ownership, and financial literacy through professional confidential counseling, educational programs, and by providing alternatives to bankruptcy.","year":2014,"name":"CONSUMER CREDIT COUNSELING SERVICE OF ALABAMA INC","phone":3342658545,"website":"www.budgethelp.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JEFF GREENE","year_formation":1967,"state_legal_domicile":"AL","total_volunteers":0,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"640 SOUTH LAWRENCE STREET, MONTGOMERY, AL, 36104, USA","city":"MONTGOMERY","state":"AL","country":"USA","zip_code":36104},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":11,"Number of independent voting members":11,"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":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":183604,"Contributions":{"value":129963,"Other contributions":129963,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":53590,"Total revenue":53590,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":51,"Investment income total":51,"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":180591,"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":132179,"Current officers":104214,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":17930,"Payroll taxes":10035},"Other expenses":{"value":48412,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":4789,"Advertising":0,"Office expenses":2435,"Information technology":1796,"Royalties":0,"Occupancy":11274,"Travel":917,"Conferences and meetings":0,"Interest":3965,"Payments to affiliates":0,"Depreciation and depletion":2427,"Insurance":5647,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":15162,"Credit reports":717,"Licenses, dues and fees":6381,"Accreditation":1400,"Bank charges":6664},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":169817,"Management And General Expenses":10774,"Fundraising Expenses":0}},"Assets":{"value":229643,"Non-interest bearing cash":119640,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":1951,"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":4394,"Land, building, equipment":103658,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":89503,"Sum of Total Liabilities":0,"Accounts payable, accrued":19005,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":1057,"Loans from officers, directors":69441,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":140140,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":140140,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.9403403270373385,"percentile":0.8314718890222584},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.016410317857998735,"percentile":0.44273978387418456},"Liabilities to Assets Ratio":{"score":0.3897484356152811,"percentile":0.16811345010840123},"Operating Reserve Ratio":{"score":1.27161929442774,"percentile":0.49187542527583944},"Officer Compensation Ratio":{"score":0.3043119535303531,"percentile":0.1830849304069699},"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":0.6506960852092408,"percentile":0.7433554589718427}},"source_xml":"201503209349301045_public.xml"},{"Organization":{"value":null,"Person":["JEFF GREENE","CHRIS KERVIN","BEVERLY ROSS","BARBARA S WHITE CPA","JUDGE W MARK ANDERSONIII","DR A WAYNE LACEY","CHESTER MALLORY","THE REV DR ALBERT D PERKINS III","DR PERCY VAUGHN JR","ROBERT E SMITH JR","DONNA COOPER","ROGER KNAUFF"],"Title":["Chairman","Vice Chair","Secretary","Treasurer","Member","Member","Member","Member","Member","Member","Member","Executive Director"],"Hours":[1.0,0.3,0.3,0.3,0.3,0.3,0.3,0.3,0.3,0.3,0.3,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,73755],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,73755],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To promote safe and affordable housing, home ownership, and financial literacy through professional confidential counseling, educational programs, and by providing alternatives to bankruptcy.","year":2013,"name":"CONSUMER CREDIT COUNSELING SERVICE OF ALABAMA INC","phone":3342658545,"website":"www.budgethelp.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JEFF GREENE","year_formation":1967,"state_legal_domicile":"AL","total_volunteers":0,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"640 SOUTH LAWRENCE STREET, MONTGOMERY, AL, 36104, USA","city":"MONTGOMERY","state":"AL","country":"USA","zip_code":36104},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":11,"Number of independent voting members":11,"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":196593,"Contributions":{"value":138785,"Other contributions":138785,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":57754,"Total revenue":57754,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":54,"Investment income total":54,"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":205451,"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":146706,"Current officers":73755,"Disqualified persons":0,"Other salaries and wages":48850,"Pension plan contributions":0,"Other employee benefits":13506,"Payroll taxes":10595},"Other expenses":{"value":58745,"Management services":0,"Legal":0,"Accounting":6620,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":4271,"Information technology":2112,"Royalties":0,"Occupancy":13946,"Travel":778,"Conferences and meetings":0,"Interest":4226,"Payments to affiliates":0,"Depreciation and depletion":2427,"Insurance":5998,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":18367,"Credit reports":649,"Licenses, dues and fees":5195,"Accreditation":5440,"Bank charges":7083},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":168149,"Management And General Expenses":37302,"Fundraising Expenses":0}},"Assets":{"value":230625,"Non-interest bearing cash":120501,"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":4102,"Land, building, equipment":106022,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":93498,"Sum of Total Liabilities":0,"Accounts payable, accrued":16570,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":2627,"Loans from officers, directors":74301,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":137127,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":137127,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8184384597787306,"percentile":0.6490965335567496},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.045057555457213634,"percentile":0.2929922662558525},"Liabilities to Assets Ratio":{"score":0.40541138211382116,"percentile":0.16297442943924698},"Operating Reserve Ratio":{"score":1.122530433047296,"percentile":0.4564651931113549},"Officer Compensation Ratio":{"score":0.35899070824673524,"percentile":0.13996015720274063},"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":0.5428756854912998,"percentile":0.43659455685694476}},"source_xml":"201422109349301027_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["JEFF GREENE","CHRIS KERVIN","BARBARA S WHITE CPA","JUDGE W MARK ANDERSONIII","DR A WAYNE LACEY","CHESTER MALLORY","THE REV DR ALBERT D PERKINS III","DR PERCY VAUGHN JR","ROGER KNAUFF","ROBERT SMITH","DONNA COOPER","BEVERLY ROSS"],"Title":["Chairman","Vice Chairman","Treasurer","Member","Member","Member","Member","Member","Executive Director- nonvoting","Member","Member","Secretary (Deceased 8/19/15)"],"Hours":[1.0,0.3,0.3,0.3,0.3,0.3,0.3,0.3,50.0,0.3,0.3,0.3],"Total Compensation":[0,0,0,0,0,0,0,0,54956,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0,54956,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To promote safe and affordable housing, home ownership, and financial literacy through professional confidential counseling, educational programs, and by providing alternatives to bankruptcy.","year":2014,"name":"CONSUMER CREDIT COUNSELING SERVICE OF ALABAMA INC","phone":3342658545,"website":"www.budgethelp.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JEFF GREENE","year_formation":1967,"state_legal_domicile":"AL","total_volunteers":0,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"640 SOUTH LAWRENCE STREET, MONTGOMERY, AL, 36104, USA","city":"MONTGOMERY","state":"AL","country":"USA","zip_code":36104},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":11,"Number of independent voting members":11,"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":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":183604,"Contributions":{"value":129963,"Other contributions":129963,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":53590,"Total revenue":53590,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":51,"Investment income total":51,"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":180591,"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":132179,"Current officers":104214,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":17930,"Payroll taxes":10035},"Other expenses":{"value":48412,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":4789,"Advertising":0,"Office expenses":2435,"Information technology":1796,"Royalties":0,"Occupancy":11274,"Travel":917,"Conferences and meetings":0,"Interest":3965,"Payments to affiliates":0,"Depreciation and depletion":2427,"Insurance":5647,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":15162,"Credit reports":717,"Licenses, dues and fees":6381,"Accreditation":1400,"Bank charges":6664},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":169817,"Management And General Expenses":10774,"Fundraising Expenses":0}},"Assets":{"value":229643,"Non-interest bearing cash":119640,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":1951,"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":4394,"Land, building, equipment":103658,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":89503,"Sum of Total Liabilities":0,"Accounts payable, accrued":19005,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":1057,"Loans from officers, directors":69441,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":140140,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":140140,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.9403403270373385,"percentile":0.8314718890222584},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.016410317857998735,"percentile":0.44273978387418456},"Liabilities to Assets Ratio":{"score":0.3897484356152811,"percentile":0.16811345010840123},"Operating Reserve Ratio":{"score":1.27161929442774,"percentile":0.49187542527583944},"Officer Compensation Ratio":{"score":0.3043119535303531,"percentile":0.1830849304069699},"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":0.6506960852092408,"percentile":0.7433554589718427}},"source_xml":"201503209349301045_public.xml"},"sector":"Human Services","donation_categories":[],"zakat_policy":null},"error":null}