{"success":true,"data":{"_id":593556825,"filings":[{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"National foundation for debt management, inc. (nfdm) primarily exists to build financial wellness for consumers through education.","primary_activities":"Credit counseling: in 2010 national foundation for debt management counseled and provided educational materials to consumers nationwide.\n\nHousing counseling: counseling is conducted by national foundation for debt management; a department of housing and urban development (hud) approved housing counseling agency. Nfdm's housing mission is to provide third party neutral counseling/education to the community in all areas of home ownership. These areas include but are not limited to: rental assistance, post purchase counseling, foreclosure counseling, and reverse mortgage counseling. Nfdm's counselors are all certified by hud to fulfill its mission. All counselors receive ongoing continuing education to maintain certification and all are given senior sensitivity training to properly counsel elderly homeowners and renters. Nfdm's agency is examined by hud every two years and has always been given high performance approvals by hud.\n\nFinancial literacy seminar and workshop training programs: nfdm has developed a comprehensive financial literacy training format available to consumers nationwide in several languages. Nfdm assists other non-profits and community organizations that have the need for financial literacy educational programs but do not have adequate funding or skills. Nfdm's national outreach efforts are predominantly intended to empower low to moderate-income individuals and families by providing the knowledge and skills that will enable them to improve their financial management skills and change their financial lives. Nfdm does not consider race, sex, age, religion, disability, sexual orientation gender identity or ability to pay in its service to the community. .......................................................................... See schedule o for continuation.\n\nForm 990, part iii, line 1 - organization's mission: nfdm's mission is to build financial wellness through education. It is the policy of national foundation for debt management (nfdm) and its staff to provide meaningful personal financial education and counseling that meets or exceeds customer requirements and to enhance measurably, through outreach activity, the economic wellness of communities served. Form 990, part iii, line 2 new program services: national foundation for debt managment significantly expanded its ability to provide financial education to our nations military members and veterans through an agreement with veteransplus inc, a 501-c(3) organization dedicated to providing assistance to our armed forces. Form 990, part iii, line 4c - program service achivement continuation in 2010, nfdm expanded this program extensively by focusing on the financial literacy educational needs of us military veterans and active duty members through program assistance provided to veteransplus inc, a 501-c(3) organization focusing exclusively on the needs of our military personnel and veterans. Nfdm has recently established partnerships with the yellow ribbon program and the returning warrior workshops. These partnerships, in combination with nfdm's programs are a part of a nationwide cohesive approach whose primary focus is to improve the financial literacy of our military and their families and to help them identify resources available in their communities to help them with their specific financial needs. By combinbing its resources with these other leading national non-profit organizations, nfdm has the ability to help families that are lookingg to take responsibility for their personal finances and make better, more informed decisions in the future. Form 990, part vi, section a, line 2: the organization's officers judy sorensen and george roe are siblings. Form 990, part vi, section b, line11b: a copy of the 990 is provided to the board of directors and the officers prior to its submittal. Form 990, part vi, section b, line12c: national foundation for debt management, inc. (the foundation) is committed to the preservation of its reputation and integrity through compliance with applicable laws, regulations and standards in the industry in which it operates. As such, all employees/directors are expected to adhere to this policy and management is responsible for ensuring such compliance. The object of the compliance policy is to meet and or exceed legal requirements on a state and federal level relevant to the services offered by the foundation. This policy incorporates by refernce the following: code of ethics, conflict of interest policy, privacy policy. Though compliance is a responsibility that every employee shares, regardless of their position within the foundation, the executive director maintains responsibility for the implementation of the adherence to this policy, supported by the compliance administrator. The board of directors maintains the ultimate responsibility by having oversight of management's compliance risks. The compliance administrator is responsible for developing and maintaining a statewide compliance chart which includes an analysis of all state laws, regulations and industry standards which are relevant to the organization. The compliance administrator is responsible for meeting with management on a routine basis to communicate any changes to the analysis and to assist the training department in providing training on new, or re-training on existing laws, regulations or standards. The compliance administrator will assist the executive director in promoting an appropriate compliance culture, awareness and understanding of compliance procedures, standards, and guidelines. Conflict of interest disclosure statements are executed annually by the board of directors. Form 990, part vi, section b, line 15: compensation is determined and reviewed by the independent members of the board of directors. Members of the board, and key employee compensation are determined by the executive director based upon the guidelines provided by the human resources department and independent compensation studies. Form 990, part vi, section c, line 19: to the extent these documents are required in connection with nfdm state license requirements and are a matter of public record, they are made available to the public. They would also be made available upon request.","year":2010,"name":"National Foundation for Debt Management Inc","phone":"8003445143","website":"WWW.NFDM.ORG","type":"990","principal_officer":"Ralph R Dyer","year_formation":1999,"state_legal_domicile":"FL","tax_period_begin":"2010-01-01T00:00:00","tax_period_end":"2010-12-31T00:00:00","address":"14104 58th Street North, Clearwater, FL, 337603758, USA","city":"Clearwater","state":"FL","country":"USA","zip_code":"337603758"},"Governance":{"501c3 determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":46,"Total Gross UBI":0,"Number of employees":46,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":false,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":false,"Material diversion or misuse":false,"Members or stockholders":false,"Election of board members":false,"Decisions subject to approval":false,"Minutes of governing body":true,"Local chapters":false,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":false,"Independent audit financial statements":false,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":false,"Audit committee":false,"Federal grant audit required":false,"Federal grant audit performed":false,"Political activities":false,"Donor advised funds":false,"Conservation easements":false,"Collections of art":false,"School":false,"Hospital":false,"Foreign activities":false,"Foreign office":false,"Gaming":false,"Fundraising activities":false,"Professional fundraising":false,"Loan to officer or DQP":false,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false,"Transfers to exempt non-charitable organization":false},"Revenues":{"value":4688230,"Contributions":{"value":976336,"Other contributions":488935,"Grant revenue":487401},"Program revenue":{"value":3664703,"Total revenue":3664703},"Investment income":{"value":23091,"Investment income total":23091},"Other revenues":{"value":24100,"Other total":24100,"Net income from fundraising events":0}},"Expenses":{"value":5983489,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":2189338,"Current officers":604948,"Other salaries and wages":1164898,"Pension plan contributions":35333,"Other employee benefits":252460,"Payroll taxes":131699},"Other expenses":{"value":3794151,"Legal":174439,"Accounting":38799,"Other services":137466,"Office expenses":35854,"Occupancy":144241,"Travel":108693,"Conferences and meetings":3588,"Interest":66,"Depreciation and depletion":52725,"Insurance":40222,"Itemized Expenses":{"value":2874772,"VARIOUS":2874772},"All other expenses":183286}},"Assets":{"value":483938,"Non-interest bearing cash":149740,"Accounts receivable":46811,"Prepaid expenses deferred charges":9103,"Land, building, equipment":96298,"Intangible assets":60150,"Other assets":121836},"Liabilities":{"value":496063,"Accounts payable, accrued":357358,"Deferred, revenue":20000,"Escrow account liability":104747,"Other liabilities":13958},"Fund balance":{"value":-12125},"Form990Details":{"program_service_accomplishments":[{"description":"CREDIT COUNSELING: IN 2010 NATIONAL FOUNDATION FOR DEBT MANAGEMENT COUNSELED AND PROVIDED EDUCATIONAL MATERIALS TO CONSUMERS NATIONWIDE.","expense":2434372,"revenue":3664464},{"description":"HOUSING COUNSELING: COUNSELING IS CONDUCTED BY NATIONAL FOUNDATION FOR DEBT MANAGEMENT; A DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD) APPROVED HOUSING COUNSELING AGENCY. NFDM'S HOUSING MISSION IS TO PROVIDE THIRD PARTY NEUTRAL COUNSELING/EDUCATION TO THE COMMUNITY IN ALL AREAS OF HOME OWNERSHIP. THESE AREAS INCLUDE BUT ARE NOT LIMITED TO: RENTAL ASSISTANCE, POST PURCHASE COUNSELING, FORECLOSURE COUNSELING, AND REVERSE MORTGAGE COUNSELING. NFDM'S COUNSELORS ARE ALL CERTIFIED BY HUD TO FULFILL ITS MISSION. ALL COUNSELORS RECEIVE ONGOING CONTINUING EDUCATION TO MAINTAIN CERTIFICATION AND ALL ARE GIVEN SENIOR SENSITIVITY TRAINING TO PROPERLY COUNSEL ELDERLY HOMEOWNERS AND RENTERS. NFDM'S AGENCY IS EXAMINED BY HUD EVERY TWO YEARS AND HAS ALWAYS BEEN GIVEN HIGH PERFORMANCE APPROVALS BY HUD.","expense":691720,"revenue":483015},{"description":"FINANCIAL LITERACY SEMINAR AND WORKSHOP TRAINING PROGRAMS: NFDM HAS DEVELOPED A COMPREHENSIVE FINANCIAL LITERACY TRAINING FORMAT AVAILABLE TO CONSUMERS NATIONWIDE IN SEVERAL LANGUAGES. NFDM ASSISTS OTHER NON-PROFITS AND COMMUNITY ORGANIZATIONS THAT HAVE THE NEED FOR FINANCIAL LITERACY EDUCATIONAL PROGRAMS BUT DO NOT HAVE ADEQUATE FUNDING OR SKILLS. NFDM'S NATIONAL OUTREACH EFFORTS ARE PREDOMINANTLY INTENDED TO EMPOWER LOW TO MODERATE-INCOME INDIVIDUALS AND FAMILIES BY PROVIDING THE KNOWLEDGE AND SKILLS THAT WILL ENABLE THEM TO IMPROVE THEIR FINANCIAL MANAGEMENT SKILLS AND CHANGE THEIR FINANCIAL LIVES. NFDM DOES NOT CONSIDER RACE, SEX, AGE, RELIGION, DISABILITY, SEXUAL ORIENTATION GENDER IDENTITY OR ABILITY TO PAY IN ITS SERVICE TO THE COMMUNITY. .......................................................................... SEE SCHEDULE O FOR CONTINUATION.","expense":696424,"grants":314930,"revenue":487500}],"program_service_revenue_detail":[{"business_code":"541610","description":"PROGRAM 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R Dyer","address_line1":"14104 58th Street North","city":"Clearwater","state":"FL","zip":"337603758"},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"federal_grant_audit_required":false,"federal_grant_audit_performed":false},"related_party_due_diligence":{"officer_entity_with_business_relationship":false,"officer_mailing_address":false,"related_entity":false,"related_org_controlled_entity":false,"compensation_from_other_sources":false,"excess_benefit_transaction":false,"excess_business_holdings":false,"distribution_to_donor":false,"annual_disclosure_covered_persons":true},"grant_due_diligence":{"grants_to_organizations":false,"grants_to_individuals":false,"more_than_5000_to_organizations":false,"more_than_5000_to_individuals":false},"books_are_in_care_of":{"person_name":"Yolanda Woolridge","phone":"8003445153","address_line1":"14104 58th Street North","city":"Clearwater","state":"FL","zip":"33760"},"contractor_compensation":[{"person_name":"PLAN FIRST FINANCIAL SOLUTIONS","compensation":1695368,"services_description":"PGM ADMINISTRATION","address_line1":"14100 58TH STREET NORTH","city":"Clearwater","state":"FL","zip":"33760","name":"PLAN FIRST FINANCIAL SOLUTIONS","address":"14100 58TH STREET NORTH, Clearwater, FL, 33760"},{"person_name":"CONSUMER CREDIT BUDGET COUNSELING","compensation":342099,"services_description":"PGM ADMINISTRATION","address_line1":"299 SOUTH SHORE RD","city":"Marmora","state":"NJ","zip":"08223","name":"CONSUMER CREDIT BUDGET COUNSELING","address":"299 SOUTH SHORE RD, Marmora, NJ, 08223"},{"person_name":"SHUMAKER LOOP KENDRICK LLP","compensation":168655,"services_description":"LEGAL SERVICES","address_line1":"101 EAST KENNEDY BLVD STE 2800","city":"Tampa","state":"FL","zip":"33602","name":"SHUMAKER LOOP KENDRICK LLP","address":"101 EAST KENNEDY BLVD STE 2800, Tampa, FL, 33602"},{"person_name":"STEELE INVESTMENT GROUP INC","compensation":136466,"services_description":"BUILDING RENT","address_line1":"14100 58TH STREET NORTH","city":"Clearwater","state":"FL","zip":"33760","name":"STEELE INVESTMENT GROUP INC","address":"14100 58TH STREET NORTH, Clearwater, FL, 33760"},{"person_name":"HUMANA","compensation":121589,"services_description":"GRP HEALTH INS","address_line1":"8430 W BRYN MAWR AVE 3RD FLOOR","city":"Chicago","state":"IL","zip":"60631","name":"HUMANA","address":"8430 W BRYN MAWR AVE 3RD FLOOR, Chicago, IL, 60631"}],"officers_directors_key_employees":[{"title":"Executive Director & Board Member","average_hours_per_week":50.0,"reportable_comp_from_org":144038,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"VP of Operations","average_hours_per_week":50.0,"reportable_comp_from_org":121065,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true},{"title":"VP & General Counsel","average_hours_per_week":50.0,"reportable_comp_from_org":118400,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true},{"title":"Board Member","average_hours_per_week":1.0,"reportable_comp_from_org":2500,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Board Member","average_hours_per_week":1.0,"reportable_comp_from_org":3000,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Board Member","average_hours_per_week":1.0,"reportable_comp_from_org":1000,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Board Member","average_hours_per_week":1.0,"reportable_comp_from_org":1500,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Exec Dir 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NFDM CHARGES A SMALL SERVICE FEE FOR THIS SERVICE, IN ACCORDANCE WITH THE APPLICABLE LAWS OF THE STATE IN WHICH THE DEBTOR RESIDES."}]},"source_xml":"201102249349301920_public.xml"},{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"National foundation for debt management, inc. (nfdm) primarily exists to build financial wellness for consumers through education.","primary_activities":"Credit cousneling: thru may 31, 2011, national foundation for debt management counseled and provided educational materials to consumers nationwide.\n\nHousing counseling: counseling is conducted by national foundation for debt management; ad department of housing and urban development (hud) approved housing counseling agency. Nfdm's housing mission is to provide third party neutral counseling/education to the community in all areas of home ownership. These areas include but are not limited to: rental assistance, post purchase counseling, foreclosure counseling, and reverse mortgage counseling. Nfdm's counselors are all certified by hud to fulfull its mission. All counselors receive ongoing continuing education to maintain certification and all are given senior sensitivity training to properly counsel elderly homeowners and renters. Nfdm's agency is examined by hud every two years and has always been given high performance approvals by hud.\n\nFinancial literacy seminar and workshop training programs: nfdm has developed a comprehensive financial literacy training format available to consumers nationwide in several languages. Nfdm assists other non-profits and community organizations that have the need for financial literacy educational programs but do not have adequate funding or skills. Nfdm's national outreach efforts are predominantly intended to empower low to moderate-income individuals and families by providing the knowlede and skills that will enable them to improve their financial management skills and change their financial lives. Nfdm does not consider race, sex, age, religion, disability, sexual orientation gender identity or ability to pay in its service to the community.\n\nForm 990, part iii, line 1 - organization's mission: nfdm's mission is to build financial wellness through education. It is the policy of national foundation for debt management (nfdm) and its staff to provide meaningful personal financial education and counseling that meets or exceeds customer requirements and to enhance measurably, through outreach activity, the economic wellness of communities served. Form 990, part iii, line 3 changes to program services: national foundation for debt managment, inc. Completed a merger with consumer credit and budget couseling, inc of marmora, nj (ein 22-3569885) in 2011. The boards of both companies approved the merger on 03/21/11 pending post closing conditions as stipulated in the articles of merger. Merger documents were filed with the state of new jersey on 11/25/11 and notice of approval was received on 12/30/11. Form 990, part vi, section a, line 2: the organization's officers judy sorensen and george roe are siblings. Form 990, part vi, section b, line11b: the organization's policy has historically been to have the 990 reviewed and approved by the independent committee of the board of directors prior to filing. Pursuant to the 2011 merger, the organization's board combined into the board of trustees of consumer credit and budget cousneling. At the time of the preparation and filing of this form 990, the sole and separate board of nfdm was not in existence to review the filing. Form 990, part vi, section b, line12c: national foundation for debt management, inc. (the foundation) is committed to the preservation of its reputation and integrity through compliance with applicable laws, regulations and standards in the industry in which it operates. As such, all employees/directors are expected to adhere to this policy and management is responsible for ensuring such compliance. The object of the compliance policy is to meet and or exceed legal requirements on a state and federal level relevant to the services offered by the foundation. This policy incorporates by refernce the following: code of ethics, conflict of interest policy, privacy policy. Though compliance is a responsibility that every employee shares, regardless of their position within the foundation, the executive director maintains responsibility for the implementation of the adherence to this policy, supported by the compliance administrator. The board of directors maintains the ultimate responsibility by having oversight of management's compliance risks. The compliance administrator is responsible for developing and maintaining a statewide compliance chart which includes an analysis of all state laws, regulations and industry standards which are relevant to the organization. The compliance administrator is responsible for meeting with management on a routine basis to communicate any changes to the analysis and to assist the training department in providing training on new, or re-training on existing laws, regulations or standards. The compliance administrator will assist the executive director in promoting an appropriate compliance culture, awareness and understanding of compliance procedures, standards, and guidelines. Conflict of interest disclosure statements are executed annually by the board of directors. Form 990, part vi, section b, line 15: compensation is determined and reviewed by the independent members of the board of directors. Members of the board, and key employee compensation are determined by the executive director based upon the guidelines provided by the human resources department and independent compensation studies. Form 990, part vi, section c, line 19: to the extent these documents are required in connection with nfdm state license requirements and are a matter of public record, they are made available to the public. They would also be made available upon request.","year":2011,"name":"National Foundation for Debt Management Inc","phone":"8003445143","website":"WWW.NFDM.ORG","type":"990","year_formation":1999,"state_legal_domicile":"FL","tax_period_begin":"2011-01-01T00:00:00","tax_period_end":"2011-12-31T00:00:00","address":"14104 58th Street North, Clearwater, FL, 337603758, USA","city":"Clearwater","state":"FL","country":"USA","zip_code":"337603758"},"Governance":{"501c3 determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":31,"Total Gross UBI":0,"Number of employees":31,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":false,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":false,"Material diversion or misuse":false,"Members or stockholders":false,"Election of board members":false,"Decisions subject to approval":false,"Minutes of governing body":true,"Local chapters":false,"Form 990 provided to governing body":false,"Document retention policy":true,"Investment in joint venture":false,"Independent audit financial statements":false,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":false,"Audit committee":false,"Federal grant audit required":false,"Federal grant audit performed":false,"Political activities":false,"Donor advised funds":false,"Conservation easements":false,"Collections of art":false,"School":false,"Hospital":false,"Foreign activities":false,"Foreign office":false,"Gaming":false,"Fundraising activities":false,"Professional fundraising":false,"Loan to officer or DQP":false,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false,"Transfers to exempt non-charitable organization":false},"Revenues":{"value":1133027,"Contributions":{"value":296769,"Other contributions":296769},"Program revenue":{"value":836254,"Total revenue":{"value":836254,"VARIOUS":836254}},"Investment income":{"value":4,"Investment income total":4},"Other revenues":{"value":0,"Net income from fundraising events":0}},"Expenses":{"value":1240185,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":714382,"Current officers":305520,"Other salaries and wages":259010,"Pension plan contributions":8725,"Other employee benefits":93165,"Payroll taxes":47962},"Other expenses":{"value":525803,"Management services":2000,"Legal":6864,"Accounting":7720,"Other services":23813,"Advertising":1510,"Office expenses":37145,"Information technology":20175,"Occupancy":85177,"Travel":28195,"Conferences and meetings":1089,"Interest":175,"Depreciation and depletion":14872,"Insurance":13554,"Itemized Expenses":{"value":282201,"VARIOUS":282201},"All other expenses":1313}},"Assets":{"value":0},"Liabilities":{"value":0},"Fund balance":{"value":0},"Form990Details":{"program_service_accomplishments":[{"description":"CREDIT COUSNELING: THRU MAY 31, 2011, NATIONAL FOUNDATION FOR DEBT MANAGEMENT COUNSELED AND PROVIDED EDUCATIONAL MATERIALS TO CONSUMERS NATIONWIDE.","expense":325047,"revenue":721042},{"description":"HOUSING COUNSELING: COUNSELING IS CONDUCTED BY NATIONAL FOUNDATION FOR DEBT MANAGEMENT; AD DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD) APPROVED HOUSING COUNSELING AGENCY. NFDM'S HOUSING MISSION IS TO PROVIDE THIRD PARTY NEUTRAL COUNSELING/EDUCATION TO THE COMMUNITY IN ALL AREAS OF HOME OWNERSHIP. THESE AREAS INCLUDE BUT ARE NOT LIMITED TO: RENTAL ASSISTANCE, POST PURCHASE COUNSELING, FORECLOSURE COUNSELING, AND REVERSE MORTGAGE COUNSELING. NFDM'S COUNSELORS ARE ALL CERTIFIED BY HUD TO FULFULL ITS MISSION. ALL COUNSELORS RECEIVE ONGOING CONTINUING EDUCATION TO MAINTAIN CERTIFICATION AND ALL ARE GIVEN SENIOR SENSITIVITY TRAINING TO PROPERLY COUNSEL ELDERLY HOMEOWNERS AND RENTERS. NFDM'S AGENCY IS EXAMINED BY HUD EVERY TWO YEARS AND HAS ALWAYS BEEN GIVEN HIGH PERFORMANCE APPROVALS BY HUD.","expense":244685,"revenue":379833},{"description":"FINANCIAL LITERACY SEMINAR AND WORKSHOP TRAINING PROGRAMS: NFDM HAS DEVELOPED A COMPREHENSIVE FINANCIAL LITERACY TRAINING FORMAT AVAILABLE TO CONSUMERS NATIONWIDE IN SEVERAL LANGUAGES. NFDM ASSISTS OTHER NON-PROFITS AND COMMUNITY ORGANIZATIONS THAT HAVE THE NEED FOR FINANCIAL LITERACY EDUCATIONAL PROGRAMS BUT DO NOT HAVE ADEQUATE FUNDING OR SKILLS. NFDM'S NATIONAL OUTREACH EFFORTS ARE PREDOMINANTLY INTENDED TO EMPOWER LOW TO MODERATE-INCOME INDIVIDUALS AND FAMILIES BY PROVIDING THE KNOWLEDE AND SKILLS THAT WILL ENABLE THEM TO IMPROVE THEIR FINANCIAL MANAGEMENT SKILLS AND CHANGE THEIR FINANCIAL LIVES. 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COMPLETED A MERGER WITH CONSUMER CREDIT AND BUDGET COUNSELING, INC. OF MARMORA, NJ IN 2011. (EIN 22-3569885). BOARDS OF BOTH COMPANIES APPROVED THE MERGER ON 03/21/11 PENDING POST CLOSING CONDITIONS AS STIPULATED IN THE ARTICLES OF MERGER. MERGER DOCUMENTS WERE FILED WITH THE STATE OF NEW JERSEY ON 11/25/11 AND NOTICE OF APPROVAL WAS RECEIVED ON 12/30/11. ALL ASSETS, LIABILITIES AND NET ASSETS OF NATIONAL FOUNDATION FOR DEBT MANAGEMENT, INC. AT MAY 31, 2011 WERE MERGED INTO THE SURVIVING ORGANIZATION, CONSUMER CREDIT AND BUDGET COUNSELING INC. RALPH DYER, OFFICER AND DIRECTOR OF NFDM, BECAME AN OFFICER AND DIRECTOR OF THE SURVIVING ORGANIZATION, CCBC. JUDITH SORENSEN, AND GEORGE ROE, OFFICERS OF NFDM, BECAME OFFICERS OF THE THE SURVIVING ORGANIZATION, CCBC. JOSEPH TASH, AND SUSAN SPAULDING, DIRECTORS OF NFDM, BECAME DIRECTORS OF THE SURVIVING ORGANIZATION, CCBC."}]},"source_xml":"201221379349300957_public.xml"}],"Latest":{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"National foundation for debt management, inc. (nfdm) primarily exists to build financial wellness for consumers through education.","primary_activities":"Credit cousneling: thru may 31, 2011, national foundation for debt management counseled and provided educational materials to consumers nationwide.\n\nHousing counseling: counseling is conducted by national foundation for debt management; ad department of housing and urban development (hud) approved housing counseling agency. Nfdm's housing mission is to provide third party neutral counseling/education to the community in all areas of home ownership. These areas include but are not limited to: rental assistance, post purchase counseling, foreclosure counseling, and reverse mortgage counseling. Nfdm's counselors are all certified by hud to fulfull its mission. All counselors receive ongoing continuing education to maintain certification and all are given senior sensitivity training to properly counsel elderly homeowners and renters. Nfdm's agency is examined by hud every two years and has always been given high performance approvals by hud.\n\nFinancial literacy seminar and workshop training programs: nfdm has developed a comprehensive financial literacy training format available to consumers nationwide in several languages. Nfdm assists other non-profits and community organizations that have the need for financial literacy educational programs but do not have adequate funding or skills. Nfdm's national outreach efforts are predominantly intended to empower low to moderate-income individuals and families by providing the knowlede and skills that will enable them to improve their financial management skills and change their financial lives. Nfdm does not consider race, sex, age, religion, disability, sexual orientation gender identity or ability to pay in its service to the community.\n\nForm 990, part iii, line 1 - organization's mission: nfdm's mission is to build financial wellness through education. It is the policy of national foundation for debt management (nfdm) and its staff to provide meaningful personal financial education and counseling that meets or exceeds customer requirements and to enhance measurably, through outreach activity, the economic wellness of communities served. Form 990, part iii, line 3 changes to program services: national foundation for debt managment, inc. Completed a merger with consumer credit and budget couseling, inc of marmora, nj (ein 22-3569885) in 2011. The boards of both companies approved the merger on 03/21/11 pending post closing conditions as stipulated in the articles of merger. Merger documents were filed with the state of new jersey on 11/25/11 and notice of approval was received on 12/30/11. Form 990, part vi, section a, line 2: the organization's officers judy sorensen and george roe are siblings. Form 990, part vi, section b, line11b: the organization's policy has historically been to have the 990 reviewed and approved by the independent committee of the board of directors prior to filing. Pursuant to the 2011 merger, the organization's board combined into the board of trustees of consumer credit and budget cousneling. At the time of the preparation and filing of this form 990, the sole and separate board of nfdm was not in existence to review the filing. Form 990, part vi, section b, line12c: national foundation for debt management, inc. (the foundation) is committed to the preservation of its reputation and integrity through compliance with applicable laws, regulations and standards in the industry in which it operates. As such, all employees/directors are expected to adhere to this policy and management is responsible for ensuring such compliance. The object of the compliance policy is to meet and or exceed legal requirements on a state and federal level relevant to the services offered by the foundation. This policy incorporates by refernce the following: code of ethics, conflict of interest policy, privacy policy. Though compliance is a responsibility that every employee shares, regardless of their position within the foundation, the executive director maintains responsibility for the implementation of the adherence to this policy, supported by the compliance administrator. The board of directors maintains the ultimate responsibility by having oversight of management's compliance risks. The compliance administrator is responsible for developing and maintaining a statewide compliance chart which includes an analysis of all state laws, regulations and industry standards which are relevant to the organization. The compliance administrator is responsible for meeting with management on a routine basis to communicate any changes to the analysis and to assist the training department in providing training on new, or re-training on existing laws, regulations or standards. The compliance administrator will assist the executive director in promoting an appropriate compliance culture, awareness and understanding of compliance procedures, standards, and guidelines. Conflict of interest disclosure statements are executed annually by the board of directors. Form 990, part vi, section b, line 15: compensation is determined and reviewed by the independent members of the board of directors. Members of the board, and key employee compensation are determined by the executive director based upon the guidelines provided by the human resources department and independent compensation studies. Form 990, part vi, section c, line 19: to the extent these documents are required in connection with nfdm state license requirements and are a matter of public record, they are made available to the public. They would also be made available upon request.","year":2011,"name":"National Foundation for Debt Management Inc","phone":"8003445143","website":"WWW.NFDM.ORG","type":"990","year_formation":1999,"state_legal_domicile":"FL","tax_period_begin":"2011-01-01T00:00:00","tax_period_end":"2011-12-31T00:00:00","address":"14104 58th Street North, Clearwater, FL, 337603758, USA","city":"Clearwater","state":"FL","country":"USA","zip_code":"337603758"},"Governance":{"501c3 determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":31,"Total Gross UBI":0,"Number of employees":31,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":false,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":false,"Material diversion or misuse":false,"Members or stockholders":false,"Election of board members":false,"Decisions subject to approval":false,"Minutes of governing body":true,"Local chapters":false,"Form 990 provided to governing body":false,"Document retention policy":true,"Investment in joint venture":false,"Independent audit financial statements":false,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":false,"Audit committee":false,"Federal grant audit required":false,"Federal grant audit performed":false,"Political activities":false,"Donor advised funds":false,"Conservation easements":false,"Collections of art":false,"School":false,"Hospital":false,"Foreign activities":false,"Foreign office":false,"Gaming":false,"Fundraising activities":false,"Professional fundraising":false,"Loan to officer or DQP":false,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false,"Transfers to exempt non-charitable organization":false},"Revenues":{"value":1133027,"Contributions":{"value":296769,"Other contributions":296769},"Program revenue":{"value":836254,"Total revenue":{"value":836254,"VARIOUS":836254}},"Investment income":{"value":4,"Investment income total":4},"Other revenues":{"value":0,"Net income from fundraising events":0}},"Expenses":{"value":1240185,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":714382,"Current officers":305520,"Other salaries and wages":259010,"Pension plan contributions":8725,"Other employee benefits":93165,"Payroll taxes":47962},"Other expenses":{"value":525803,"Management services":2000,"Legal":6864,"Accounting":7720,"Other services":23813,"Advertising":1510,"Office expenses":37145,"Information technology":20175,"Occupancy":85177,"Travel":28195,"Conferences and meetings":1089,"Interest":175,"Depreciation and depletion":14872,"Insurance":13554,"Itemized Expenses":{"value":282201,"VARIOUS":282201},"All other expenses":1313}},"Assets":{"value":0},"Liabilities":{"value":0},"Fund balance":{"value":0},"Form990Details":{"program_service_accomplishments":[{"description":"CREDIT COUSNELING: THRU MAY 31, 2011, NATIONAL FOUNDATION FOR DEBT MANAGEMENT COUNSELED AND PROVIDED EDUCATIONAL MATERIALS TO CONSUMERS NATIONWIDE.","expense":325047,"revenue":721042},{"description":"HOUSING COUNSELING: COUNSELING IS CONDUCTED BY NATIONAL FOUNDATION FOR DEBT MANAGEMENT; AD DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD) APPROVED HOUSING COUNSELING AGENCY. NFDM'S HOUSING MISSION IS TO PROVIDE THIRD PARTY NEUTRAL COUNSELING/EDUCATION TO THE COMMUNITY IN ALL AREAS OF HOME OWNERSHIP. THESE AREAS INCLUDE BUT ARE NOT LIMITED TO: RENTAL ASSISTANCE, POST PURCHASE COUNSELING, FORECLOSURE COUNSELING, AND REVERSE MORTGAGE COUNSELING. NFDM'S COUNSELORS ARE ALL CERTIFIED BY HUD TO FULFULL ITS MISSION. ALL COUNSELORS RECEIVE ONGOING CONTINUING EDUCATION TO MAINTAIN CERTIFICATION AND ALL ARE GIVEN SENIOR SENSITIVITY TRAINING TO PROPERLY COUNSEL ELDERLY HOMEOWNERS AND RENTERS. NFDM'S AGENCY IS EXAMINED BY HUD EVERY TWO YEARS AND HAS ALWAYS BEEN GIVEN HIGH PERFORMANCE APPROVALS BY HUD.","expense":244685,"revenue":379833},{"description":"FINANCIAL LITERACY SEMINAR AND WORKSHOP TRAINING PROGRAMS: NFDM HAS DEVELOPED A COMPREHENSIVE FINANCIAL LITERACY TRAINING FORMAT AVAILABLE TO CONSUMERS NATIONWIDE IN SEVERAL LANGUAGES. 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