{"success":true,"data":{"_id":841340419,"filings":[{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"To provide direction to those burdened with financial pressures and debt.","primary_activities":"Debt management plans (dmp): the organization manages over 250 client accounts annually. 165 counseling sessions were conducted for people who did not sign up for a debt management program. It also provided telephone counsel to over 350 people calling for general advice and counsel. These are people calling that were given helpful financial information, but didn't need the paid services of the organization. The organization offers clients ongoing individual budget and finance counseling and free financial education opportunities. Through the dmp program clients were able to pay approximately 1,100,000 to creditors; thus, helping the client move toward the goal of becoming debt free. During an initial appointment, the counselors assess the clients' complete current financial situation. The counselor will discuss the \"root cause\" of their financial difficulties. During this discussion the counselor will help the client understand the root cause and determine possible solutions. The counselor reviews their income and expenses along with their assets and liabilities to clarify their current financial situation. The counselor also determines the benefits of a dmp in addition to other possible solutions to resolve their financial crisis. In these sessions, the counselor emphasizes the importance of having an effective budget. Counselors are trained to give clients information that will be helpful toward getting and remaining debt free.\n\nBankruptcy credit counseling - the organization provided 2,583 individual bankruptcy certificates of counseling. During the bankruptcy credit counseling session, the counselors assess the clients' complete current financial situation. The counselor will discuss the \"root cause\" of their financial difficulties. During this discussion the counselor will help the client understand the root cause and determine possible solutions. The counselor reviews their income and expenses along with their assets and liabilities to clarify their current financial situation; the counselor also evaluates the financial outlook for the client after the bankruptcy. The counselor also determines the benefits of a dmp in addition to other possible solutions to resolve their financial crisis. In these sessions, the counselor emphasizes the importance of having a balanced budget. Counselors are trained to give clients information that will be helpful toward getting and remaining debt free after the clients' bankruptcy.\n\nPersonal financial management class - the organization provided 51 classes to 436 students. These classes are available in a classroom setting or over the telephone. Additionally, online classes were provided to 2,059 students. The online class is also available in spanish.\n\nDuring an initial appointment, the counselors assess the clients' complete current financial situation. The counselor will discuss the \"root cause\" of their financial difficulties. During this discussion the counselor will help the client understand the root cause and determine possible solutions. The counselor reviews their income and expenses along with their assets and liabilities to clarify their current financial situation. The counselor also determines the benefits of a dmp in addition to other possible solutions to resolve their financial crisis. In these sessions, the counselor emphasizes the importance of having an effective budget. Counselors are trained to give clients information that will be helpful toward getting and remaining debt free.\n\nThe counselor emphasizes the importance of having a balanced budget. Counselors are trained to give clients information that will be helpful toward getting and remaining debt free after the clients' bankruptcy.","year":2010,"name":"CORNERSTONE CREDIT COUNSELORS INC","phone":"7195221722","website":"WWW.DEBTSTOPPERS.ORG","type":"990","principal_officer":"MICHAEL SCHORER","year_formation":1996,"state_legal_domicile":"CO","tax_period_begin":"2010-01-01T00:00:00","tax_period_end":"2010-12-31T00:00:00","address":"6295 LEHMAN DRIVE B101, COLORADO SPRINGS, CO, 80918, USA","city":"COLORADO SPRINGS","state":"CO","country":"USA","zip_code":"80918"},"Governance":{"501c3 determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":10,"Total Gross UBI":0,"Number of employees":10,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":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":true,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":true,"Audit committee":true,"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":300997,"Contributions":{"value":5000,"Other contributions":5000},"Program revenue":{"value":295735,"Total revenue":295735},"Investment income":{"value":262,"Investment income total":262},"Other revenues":{"value":0}},"Expenses":{"value":310399,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":194014,"Current officers":96967,"Other salaries and wages":81384,"Payroll taxes":15663},"Other expenses":{"value":116385,"Accounting":5400,"Advertising":22059,"Office expenses":18641,"Occupancy":18472,"Travel":1732,"Conferences and meetings":95,"Depreciation and depletion":6496,"Insurance":6140,"Itemized Expenses":{"value":37350,"VARIOUS":37350}}},"Assets":{"value":65985,"Non-interest bearing cash":33537,"Savings and temp cash investments":13904,"Land, building, equipment":5964,"Other assets":12580},"Liabilities":{"value":35271,"Accounts payable, accrued":19524,"Deferred, revenue":4267,"Escrow account liability":11480},"Fund balance":{"value":30714},"Form990Details":{"program_service_accomplishments":[{"description":"DEBT MANAGEMENT PLANS (DMP): THE ORGANIZATION MANAGES OVER 250 CLIENT ACCOUNTS ANNUALLY. 165 COUNSELING SESSIONS WERE CONDUCTED FOR PEOPLE WHO DID NOT SIGN UP FOR A DEBT MANAGEMENT PROGRAM. IT ALSO PROVIDED TELEPHONE COUNSEL TO OVER 350 PEOPLE CALLING FOR GENERAL ADVICE AND COUNSEL. THESE ARE PEOPLE CALLING THAT WERE GIVEN HELPFUL FINANCIAL INFORMATION, BUT DIDN'T NEED THE PAID SERVICES OF THE ORGANIZATION. THE ORGANIZATION OFFERS CLIENTS ONGOING INDIVIDUAL BUDGET AND FINANCE COUNSELING AND FREE FINANCIAL EDUCATION OPPORTUNITIES. THROUGH THE DMP PROGRAM CLIENTS WERE ABLE TO PAY APPROXIMATELY 1,100,000 TO CREDITORS; THUS, HELPING THE CLIENT MOVE TOWARD THE GOAL OF BECOMING DEBT FREE. DURING AN INITIAL APPOINTMENT, THE COUNSELORS ASSESS THE CLIENTS' COMPLETE CURRENT FINANCIAL SITUATION. THE COUNSELOR WILL DISCUSS THE \"ROOT CAUSE\" OF THEIR FINANCIAL DIFFICULTIES. DURING THIS DISCUSSION THE COUNSELOR WILL HELP THE CLIENT UNDERSTAND THE ROOT CAUSE AND DETERMINE POSSIBLE SOLUTIONS. THE COUNSELOR REVIEWS THEIR INCOME AND EXPENSES ALONG WITH THEIR ASSETS AND LIABILITIES TO CLARIFY THEIR CURRENT FINANCIAL SITUATION. THE COUNSELOR ALSO DETERMINES THE BENEFITS OF A DMP IN ADDITION TO OTHER POSSIBLE SOLUTIONS TO RESOLVE THEIR FINANCIAL CRISIS. IN THESE SESSIONS, THE COUNSELOR EMPHASIZES THE IMPORTANCE OF HAVING AN EFFECTIVE BUDGET. COUNSELORS ARE TRAINED TO GIVE CLIENTS INFORMATION THAT WILL BE HELPFUL TOWARD GETTING AND REMAINING DEBT FREE.","expense":102051,"revenue":139045},{"description":"BANKRUPTCY CREDIT COUNSELING - THE ORGANIZATION PROVIDED 2,583 INDIVIDUAL BANKRUPTCY CERTIFICATES OF COUNSELING. DURING THE BANKRUPTCY CREDIT COUNSELING SESSION, THE COUNSELORS ASSESS THE CLIENTS' COMPLETE CURRENT FINANCIAL SITUATION. THE COUNSELOR WILL DISCUSS THE \"ROOT CAUSE\" OF THEIR FINANCIAL DIFFICULTIES. DURING THIS DISCUSSION THE COUNSELOR WILL HELP THE CLIENT UNDERSTAND THE ROOT CAUSE AND DETERMINE POSSIBLE SOLUTIONS. THE COUNSELOR REVIEWS THEIR INCOME AND EXPENSES ALONG WITH THEIR ASSETS AND LIABILITIES TO CLARIFY THEIR CURRENT FINANCIAL SITUATION; THE COUNSELOR ALSO EVALUATES THE FINANCIAL OUTLOOK FOR THE CLIENT AFTER THE BANKRUPTCY. THE COUNSELOR ALSO DETERMINES THE BENEFITS OF A DMP IN ADDITION TO OTHER POSSIBLE SOLUTIONS TO RESOLVE THEIR FINANCIAL CRISIS. IN THESE SESSIONS, THE COUNSELOR EMPHASIZES THE IMPORTANCE OF HAVING A BALANCED BUDGET. COUNSELORS ARE TRAINED TO GIVE CLIENTS INFORMATION THAT WILL BE HELPFUL TOWARD GETTING AND REMAINING DEBT FREE AFTER THE CLIENTS' BANKRUPTCY.","expense":91140,"revenue":85090},{"description":"PERSONAL FINANCIAL MANAGEMENT CLASS - THE ORGANIZATION PROVIDED 51 CLASSES TO 436 STUDENTS. THESE CLASSES ARE AVAILABLE IN A CLASSROOM SETTING OR OVER THE TELEPHONE. ADDITIONALLY, ONLINE CLASSES WERE PROVIDED TO 2,059 STUDENTS. THE ONLINE CLASS IS ALSO AVAILABLE IN SPANISH.","expense":65994,"revenue":71600}],"program_service_revenue_detail":[{"description":"PROGRAM REVENUE","total_revenue":295735,"related_or_exempt_function_income":295735}],"functional_expense_allocations":{"current_officers_directors":{"program_services":67877,"management_and_general":29090,"total":96967},"other_salaries_and_wages":{"program_services":81384,"total":81384},"payroll_taxes":{"program_services":13157,"management_and_general":2506,"total":15663},"accounting_fees":{"management_and_general":5400,"total":5400},"advertising":{"program_services":22059,"total":22059},"office_expenses":{"program_services":14912,"management_and_general":3729,"total":18641},"occupancy":{"program_services":14778,"management_and_general":3694,"total":18472},"travel":{"program_services":1385,"management_and_general":347,"total":1732},"conferences_meetings":{"program_services":95,"total":95},"depreciation_depletion":{"program_services":5197,"management_and_general":1299,"total":6496},"insurance":{"program_services":4911,"management_and_general":1229,"total":6140}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"employment_tax_returns_filed":true,"lobbying_activities":false,"deductible_non_cash_contributions":false,"deductible_contributions_of_art":false,"method_of_accounting_accrual":true,"schedule_o_part_iii":true,"schedule_o_part_vi":true},"principal_officer_detail":{"person_name":"MICHAEL SCHORER","address_line1":"6295 LEHMAN DRIVE B101","city":"COLORADO SPRINGS","state":"CO","zip":"80918"},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"audited_financial_statement_consolidated":true},"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,"annual_disclosure_covered_persons":false},"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":"MICHAEL SCHORER","phone":"7195221722","address_line1":"6295 LEHMAN DRIVE","address_line2":"SUITE B101","city":"COLORADO SPRINGS","state":"CO","zip":"80918"},"officers_directors_key_employees":[{"title":"PRESIDENT","average_hours_per_week":55.0,"reportable_comp_from_org":53967,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"DIRECTOR","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"SECRETARY-TR","average_hours_per_week":45.0,"reportable_comp_from_org":43000,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true}]},"ScheduleA":{"public_charity_status":{"publicly_supported_org_509a2":true},"support_170":{"prior_year_support_percentage":0.9988},"support_509":{"thirty_three_percent_test_current_year":true,"public_support_total":1751034,"public_support_percentage":0.9989,"investment_income_percentage":0.0},"support_509_prior_schema":{"gross_receipts_from_admissions":{"current_year":295735,"current_year_minus1":361151,"current_year_minus2":367202,"current_year_minus3":397708,"current_year_minus4":306373,"total":1728169},"gifts_grants_contributions_509":{"current_year":5000,"current_year_minus4":17865,"total":22865},"gross_investment_income_509":{"current_year":262,"current_year_minus1":534,"current_year_minus2":480,"current_year_minus3":347,"current_year_minus4":235,"total":1858},"investment_income_and_ubti":{"current_year":262,"current_year_minus1":534,"current_year_minus2":480,"current_year_minus3":347,"current_year_minus4":235,"total":1858},"total_509":{"current_year":300735,"current_year_minus1":361151,"current_year_minus2":367202,"current_year_minus3":397708,"current_year_minus4":324238,"total":1751034},"total_support_total":{"current_year":300997,"current_year_minus1":361685,"current_year_minus2":367682,"current_year_minus3":398055,"current_year_minus4":324473,"total":1752892}}},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"donor_advised_funds":{"disclosed_organization_legal_control":false,"disclosed_for_charitable_purposes":false},"conservation_easements":{"written_policy_monitoring":false,"section_170h_requirements_satisfied":false},"collections":{"solicited_assets_sale":false},"escrow_accounts":{"agent_trustee_etc":true,"beginning_balance":9172,"additions_during_year":1247093,"distributions_during_year":1244785,"ending_balance":11480,"included_on_financial_statements":true},"endowment_funds":{"held_by_unrelated_organizations":false,"held_by_related_organizations":false,"related_organizations_listed_schedule_r":false},"land_buildings_equipment":{"equipment":{"other_cost_or_other_basis":56726,"book_value":5964,"depreciation":50762},"total_book_value":5964},"other_assets":{"assets":[{"description":"CLIENT TRUST ACCOUNTS","book_value":11480},{"description":"RENT DEPOSIT","book_value":1100}],"total_book_value":12580},"net_assets_reconciliation":{"total_revenue":300997,"total_expenses":310399,"excess_or_deficit_for_year":-9402,"excess_or_deficit_per_financial_statements":-9402},"revenue_reconciliation":{"total_revenue_audited_financial_statements":300997,"revenue_subtotal":300997,"total_revenue_per_990":300997},"expense_reconciliation":{"total_expenses_audited_financial_statements":310399,"expenses_subtotal":310399,"total_expenses_per_990":310399},"supplemental_information":[{"identifier":"EXPLANATION FOR UNREPORTED CONTRIBUTIONS OR ASSETS","form_and_line_reference":"SCHEDULE D, PAGE 2, PART IV, LINE 1B","explanation":"THE ORGANIZATION COLLECTS CLIENT DEBT PAYMENTS AND THEN DISBURSES THE FUNDS TO THE VARIOUS CREDITORS AS THE CLIENT DIRECTS."},{"identifier":"ESCROW LIABILITY ARRANGEMENT EXPLANATION","form_and_line_reference":"SCHEDULE D, PAGE 2, PART IV, LINE 2B","explanation":"ORGANIZATION COLLECTS FUNDS AND THEN ONCE A WEEK PAYS CREDITORS AS THE CLIENTS DIRECT."},{"identifier":"SUPPLEMENTAL FINANCIAL INFORMATION","form_and_line_reference":"SCHEDULE D, PAGE 4, PART XIV","explanation":"LIABILITY UNDER FIN 48 FOOTNOTE: THE ORGANIZATION HAS EVALUATED ALL OF ITS OUTSTANDING TAX POSITIONS AS OF DECEMBER 31, 2010 AND DETERMINED THAT THEY MEET THE MORE-LIKELY-THAN-NOT RECOGNITION THRESHOLD. ACCORDINGLY, THE ORGANIZATION HAS NOT RECORDED A LIABILITY OR INCOME TAX EXPENSE FOR ANY UNRECOGNIZED TAX BENEFITS IN THE ACCOMPANYING FINANCIAL STATEMENTS."}]},"source_xml":"201141329349302444_public.xml"},{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"To provide direction to those burdened with financial pressures and debt.","primary_activities":"Debt management plans (dmp): the organization manages over 250 client accounts annually. 165 counseling sessions were conducted for people who did not sign up for a debt management program. It also provided telephone counsel to over 250 people calling for general advice and counsel. These are people calling that were given helpful financial information, but didn't need the paid services of the organization. The organization offers clients ongoing individual budget and finance counseling and free financial education opportunities. Through the dmp program clients were able to pay approximately 1,100,000 to creditors; thus, helping the client move toward the goal of becoming debt free. During an initial appointment, the counselors assess the clients' complete current financial situation. The counselor will discuss the \"root cause\" of their financial difficulties. During this discussion the counselor will help the client understand the root cause and determine possible solutions. The counselor reviews their income and expenses along with their assets and liabilities to clarify their current financial situation. The counselor also determines the benefits of a dmp in addition to other possible solutions to resolve their financial crisis. In these sessions, the counselor emphasizes the importance of having an effective budget. Counselors are trained to give clients information that will be helpful toward getting and remaining debt free.\n\nBankruptcy credit counseling - the organization provided 1,895 individual bankruptcy certificates of counseling. During the bankruptcy credit counseling session, the counselors assess the clients' complete current financial situation. The counselor will discuss the \"root cause\" of their financial difficulties. During this discussion the counselor will help the client understand the root cause and determine possible solutions. The counselor reviews their income and expenses along with their assets and liabilities to clarify their current financial situation; the counselor also evaluates the financial outlook for the client after the bankruptcy. The counselor also determines the benefits of a dmp in addition to other possible solutions to resolve their financial crisis. In these sessions, the counselor emphasizes the importance of having a balanced budget. Counselors are trained to give clients information that will be helpful toward getting and remaining debt free after the clients' bankruptcy.\n\nPersonal financial management class - the organization provided 28 classes to 146 students. These classes are available in a classroom setting or over the telephone. Additionally, online classes were provided to 1,600 students. The online class is also available in spanish.\n\nCurrent financial situation. The counselor will discuss the \"root cause\" of their financial difficulties. During this discussion the counselor will help the client understand the root cause and determine possible solutions. The counselor reviews their income and expenses along with their assets and liabilities to clarify their current financial situation. The counselor also determines the benefits of a dmp in addition to other possible solutions to resolve their financial crisis. In these sessions, the counselor emphasizes the importance of having an effective budget. Counselors are trained to give clients information that will be helpful toward getting and remaining debt free.\n\nThe counselor emphasizes the importance of having a balanced budget. Counselors are trained to give clients information that will be helpful toward getting and remaining debt free after the clients' bankruptcy.","year":2011,"name":"CORNERSTONE CREDIT COUNSELORS INC","phone":"7195221722","website":"WWW.DEBTSTOPPERS.ORG","type":"990","principal_officer":"MICHAEL SCHORER","year_formation":1996,"state_legal_domicile":"CO","tax_period_begin":"2011-01-01T00:00:00","tax_period_end":"2011-12-31T00:00:00","address":"6295 LEHMAN DRIVE B101, COLORADO SPRINGS, CO, 80918, USA","city":"COLORADO SPRINGS","state":"CO","country":"USA","zip_code":"80918"},"Governance":{"501c3 determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":7,"Total Gross UBI":0,"Number of employees":7,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":false,"Compensation process for other employees":false,"Changes to organizing documents":false,"Material diversion or misuse":false,"Members or stockholders":false,"Election of board members":false,"Decisions subject to approval":false,"Minutes of governing body":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,"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":231554,"Contributions":{"value":5000,"Other contributions":5000},"Program revenue":{"value":226377,"Total revenue":226377},"Investment income":{"value":177,"Investment income total":177},"Other revenues":{"value":0}},"Expenses":{"value":236464,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":149349,"Current officers":93600,"Other salaries and wages":43065,"Payroll taxes":12684},"Other expenses":{"value":87115,"Accounting":5400,"Advertising":15503,"Office expenses":13258,"Information technology":11007,"Occupancy":14400,"Travel":1274,"Depreciation and depletion":3934,"Insurance":3022,"Itemized Expenses":{"value":19317,"VARIOUS":19317}}},"Assets":{"value":48797,"Non-interest bearing cash":22048,"Savings and temp cash investments":15553,"Land, building, equipment":2030,"Other assets":9166},"Liabilities":{"value":22993,"Accounts payable, accrued":13878,"Deferred, revenue":1049,"Escrow account liability":8066},"Fund balance":{"value":25804},"Form990Details":{"program_service_accomplishments":[{"description":"DEBT MANAGEMENT PLANS (DMP): THE ORGANIZATION MANAGES OVER 250 CLIENT ACCOUNTS ANNUALLY. 165 COUNSELING SESSIONS WERE CONDUCTED FOR PEOPLE WHO DID NOT SIGN UP FOR A DEBT MANAGEMENT PROGRAM. IT ALSO PROVIDED TELEPHONE COUNSEL TO OVER 250 PEOPLE CALLING FOR GENERAL ADVICE AND COUNSEL. THESE ARE PEOPLE CALLING THAT WERE GIVEN HELPFUL FINANCIAL INFORMATION, BUT DIDN'T NEED THE PAID SERVICES OF THE ORGANIZATION. THE ORGANIZATION OFFERS CLIENTS ONGOING INDIVIDUAL BUDGET AND FINANCE COUNSELING AND FREE FINANCIAL EDUCATION OPPORTUNITIES. THROUGH THE DMP PROGRAM CLIENTS WERE ABLE TO PAY APPROXIMATELY 1,100,000 TO CREDITORS; THUS, HELPING THE CLIENT MOVE TOWARD THE GOAL OF BECOMING DEBT FREE. DURING AN INITIAL APPOINTMENT, THE COUNSELORS ASSESS THE CLIENTS' COMPLETE CURRENT FINANCIAL SITUATION. THE COUNSELOR WILL DISCUSS THE \"ROOT CAUSE\" OF THEIR FINANCIAL DIFFICULTIES. DURING THIS DISCUSSION THE COUNSELOR WILL HELP THE CLIENT UNDERSTAND THE ROOT CAUSE AND DETERMINE POSSIBLE SOLUTIONS. THE COUNSELOR REVIEWS THEIR INCOME AND EXPENSES ALONG WITH THEIR ASSETS AND LIABILITIES TO CLARIFY THEIR CURRENT FINANCIAL SITUATION. THE COUNSELOR ALSO DETERMINES THE BENEFITS OF A DMP IN ADDITION TO OTHER POSSIBLE SOLUTIONS TO RESOLVE THEIR FINANCIAL CRISIS. IN THESE SESSIONS, THE COUNSELOR EMPHASIZES THE IMPORTANCE OF HAVING AN EFFECTIVE BUDGET. COUNSELORS ARE TRAINED TO GIVE CLIENTS INFORMATION THAT WILL BE HELPFUL TOWARD GETTING AND REMAINING DEBT FREE.","expense":85146,"revenue":112189},{"description":"BANKRUPTCY CREDIT COUNSELING - THE ORGANIZATION PROVIDED 1,895 INDIVIDUAL BANKRUPTCY CERTIFICATES OF COUNSELING. DURING THE BANKRUPTCY CREDIT COUNSELING SESSION, THE COUNSELORS ASSESS THE CLIENTS' COMPLETE CURRENT FINANCIAL SITUATION. THE COUNSELOR WILL DISCUSS THE \"ROOT CAUSE\" OF THEIR FINANCIAL DIFFICULTIES. DURING THIS DISCUSSION THE COUNSELOR WILL HELP THE CLIENT UNDERSTAND THE ROOT CAUSE AND DETERMINE POSSIBLE SOLUTIONS. THE COUNSELOR REVIEWS THEIR INCOME AND EXPENSES ALONG WITH THEIR ASSETS AND LIABILITIES TO CLARIFY THEIR CURRENT FINANCIAL SITUATION; THE COUNSELOR ALSO EVALUATES THE FINANCIAL OUTLOOK FOR THE CLIENT AFTER THE BANKRUPTCY. THE COUNSELOR ALSO DETERMINES THE BENEFITS OF A DMP IN ADDITION TO OTHER POSSIBLE SOLUTIONS TO RESOLVE THEIR FINANCIAL CRISIS. IN THESE SESSIONS, THE COUNSELOR EMPHASIZES THE IMPORTANCE OF HAVING A BALANCED BUDGET. COUNSELORS ARE TRAINED TO GIVE CLIENTS INFORMATION THAT WILL BE HELPFUL TOWARD GETTING AND REMAINING DEBT FREE AFTER THE CLIENTS' BANKRUPTCY.","expense":54618,"revenue":64324},{"description":"PERSONAL FINANCIAL MANAGEMENT CLASS - THE ORGANIZATION PROVIDED 28 CLASSES TO 146 STUDENTS. THESE CLASSES ARE AVAILABLE IN A CLASSROOM SETTING OR OVER THE TELEPHONE. ADDITIONALLY, ONLINE CLASSES WERE PROVIDED TO 1,600 STUDENTS. THE ONLINE CLASS IS ALSO AVAILABLE IN SPANISH.","expense":47066,"revenue":49865}],"program_service_revenue_detail":[{"description":"PROGRAM REVENUE","total_revenue":226377,"related_or_exempt_function_income":226377}],"functional_expense_allocations":{"current_officers_directors":{"program_services":65520,"management_and_general":28080,"total":93600},"other_salaries_and_wages":{"program_services":43065,"total":43065},"payroll_taxes":{"program_services":10655,"management_and_general":2029,"total":12684},"accounting_fees":{"management_and_general":5400,"total":5400},"advertising":{"program_services":15503,"total":15503},"office_expenses":{"program_services":10606,"management_and_general":2652,"total":13258},"information_technology":{"program_services":8806,"management_and_general":2201,"total":11007},"occupancy":{"program_services":11520,"management_and_general":2880,"total":14400},"travel":{"program_services":1019,"management_and_general":255,"total":1274},"depreciation_depletion":{"management_and_general":3934,"total":3934},"insurance":{"program_services":2418,"management_and_general":604,"total":3022}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"backup_withholding_compliance":true,"employment_tax_returns_filed":true,"lobbying_activities":false,"deductible_non_cash_contributions":false,"deductible_contributions_of_art":false,"method_of_accounting_accrual":true,"schedule_o_part_iii":true,"schedule_o_part_vi":true},"principal_officer_detail":{"person_name":"MICHAEL SCHORER","address_line1":"6295 LEHMAN DRIVE B101","city":"COLORADO SPRINGS","state":"CO","zip":"80918"},"audit_financial_statement_detail":{"accountant_compile_or_review":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,"annual_disclosure_covered_persons":false},"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":"MICHAEL SCHORER","phone":"7195221722","address_line1":"6295 LEHMAN DRIVE","address_line2":"SUITE B101","city":"COLORADO SPRINGS","state":"CO","zip":"80918"},"officers_directors_key_employees":[{"title":"PRESIDENT","average_hours_per_week":55.0,"reportable_comp_from_org":50400,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"DIRECTOR","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR/SEC","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"SECRETARY-TR","average_hours_per_week":45.0,"reportable_comp_from_org":43200,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true}]},"ScheduleA":{"public_charity_status":{"publicly_supported_org_509a2":true},"support_170":{"prior_year_support_percentage":0.9989},"support_509":{"thirty_three_percent_test_current_year":true,"public_support_total":1658173,"public_support_percentage":0.9989,"investment_income_percentage":0.0},"support_509_prior_schema":{"gross_receipts_from_admissions":{"current_year":226377,"current_year_minus1":295735,"current_year_minus2":361151,"current_year_minus3":367202,"current_year_minus4":397708,"total":1648173},"gifts_grants_contributions_509":{"current_year":5000,"current_year_minus1":5000,"total":10000},"gross_investment_income_509":{"current_year":177,"current_year_minus1":262,"current_year_minus2":534,"current_year_minus3":480,"current_year_minus4":347,"total":1800},"investment_income_and_ubti":{"current_year":177,"current_year_minus1":262,"current_year_minus2":534,"current_year_minus3":480,"current_year_minus4":347,"total":1800},"total_509":{"current_year":231377,"current_year_minus1":300735,"current_year_minus2":361151,"current_year_minus3":367202,"current_year_minus4":397708,"total":1658173},"total_support_total":{"current_year":231554,"current_year_minus1":300997,"current_year_minus2":361685,"current_year_minus3":367682,"current_year_minus4":398055,"total":1659973}}},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"donor_advised_funds":{"disclosed_organization_legal_control":false,"disclosed_for_charitable_purposes":false},"conservation_easements":{"written_policy_monitoring":false,"section_170h_requirements_satisfied":false},"collections":{"solicited_assets_sale":false},"escrow_accounts":{"agent_trustee_etc":true,"beginning_balance":11480,"additions_during_year":1165796,"distributions_during_year":1169210,"ending_balance":8066,"included_on_financial_statements":true},"endowment_funds":{"held_by_unrelated_organizations":false,"held_by_related_organizations":false,"related_organizations_listed_schedule_r":false},"land_buildings_equipment":{"equipment":{"other_cost_or_other_basis":56726,"book_value":2030,"depreciation":54696},"total_book_value":2030},"other_assets":{"assets":[{"description":"CLIENT TRUST ACCOUNTS","book_value":8066},{"description":"RENT DEPOSIT","book_value":1100}],"total_book_value":9166},"supplemental_information":[{"identifier":"EXPLANATION FOR UNREPORTED CONTRIBUTIONS OR ASSETS","form_and_line_reference":"SCHEDULE D, PAGE 2, PART IV, LINE 1B","explanation":"THE ORGANIZATION COLLECTS CLIENT DEBT PAYMENTS AND THEN DISBURSES THE FUNDS TO THE VARIOUS CREDITORS AS THE CLIENT DIRECTS."},{"identifier":"ESCROW LIABILITY ARRANGEMENT EXPLANATION","form_and_line_reference":"SCHEDULE D, PAGE 2, PART IV, LINE 2B","explanation":"ORGANIZATION COLLECTS FUNDS AND THEN ONCE A WEEK PAYS CREDITORS AS THE CLIENTS DIRECT."}]},"source_xml":"201211309349302056_public.xml"}],"Latest":{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"To provide direction to those burdened with financial pressures and debt.","primary_activities":"Debt management plans (dmp): the organization manages over 250 client accounts annually. 165 counseling sessions were conducted for people who did not sign up for a debt management program. It also provided telephone counsel to over 250 people calling for general advice and counsel. These are people calling that were given helpful financial information, but didn't need the paid services of the organization. The organization offers clients ongoing individual budget and finance counseling and free financial education opportunities. Through the dmp program clients were able to pay approximately 1,100,000 to creditors; thus, helping the client move toward the goal of becoming debt free. During an initial appointment, the counselors assess the clients' complete current financial situation. The counselor will discuss the \"root cause\" of their financial difficulties. During this discussion the counselor will help the client understand the root cause and determine possible solutions. The counselor reviews their income and expenses along with their assets and liabilities to clarify their current financial situation. The counselor also determines the benefits of a dmp in addition to other possible solutions to resolve their financial crisis. In these sessions, the counselor emphasizes the importance of having an effective budget. Counselors are trained to give clients information that will be helpful toward getting and remaining debt free.\n\nBankruptcy credit counseling - the organization provided 1,895 individual bankruptcy certificates of counseling. During the bankruptcy credit counseling session, the counselors assess the clients' complete current financial situation. The counselor will discuss the \"root cause\" of their financial difficulties. During this discussion the counselor will help the client understand the root cause and determine possible solutions. The counselor reviews their income and expenses along with their assets and liabilities to clarify their current financial situation; the counselor also evaluates the financial outlook for the client after the bankruptcy. The counselor also determines the benefits of a dmp in addition to other possible solutions to resolve their financial crisis. In these sessions, the counselor emphasizes the importance of having a balanced budget. Counselors are trained to give clients information that will be helpful toward getting and remaining debt free after the clients' bankruptcy.\n\nPersonal financial management class - the organization provided 28 classes to 146 students. These classes are available in a classroom setting or over the telephone. Additionally, online classes were provided to 1,600 students. The online class is also available in spanish.\n\nCurrent financial situation. The counselor will discuss the \"root cause\" of their financial difficulties. During this discussion the counselor will help the client understand the root cause and determine possible solutions. The counselor reviews their income and expenses along with their assets and liabilities to clarify their current financial situation. The counselor also determines the benefits of a dmp in addition to other possible solutions to resolve their financial crisis. In these sessions, the counselor emphasizes the importance of having an effective budget. Counselors are trained to give clients information that will be helpful toward getting and remaining debt free.\n\nThe counselor emphasizes the importance of having a balanced budget. Counselors are trained to give clients information that will be helpful toward getting and remaining debt free after the clients' bankruptcy.","year":2011,"name":"CORNERSTONE CREDIT COUNSELORS INC","phone":"7195221722","website":"WWW.DEBTSTOPPERS.ORG","type":"990","principal_officer":"MICHAEL SCHORER","year_formation":1996,"state_legal_domicile":"CO","tax_period_begin":"2011-01-01T00:00:00","tax_period_end":"2011-12-31T00:00:00","address":"6295 LEHMAN DRIVE B101, COLORADO SPRINGS, CO, 80918, USA","city":"COLORADO SPRINGS","state":"CO","country":"USA","zip_code":"80918"},"Governance":{"501c3 determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":7,"Total Gross UBI":0,"Number of employees":7,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":false,"Compensation process for other employees":false,"Changes to organizing documents":false,"Material diversion or misuse":false,"Members or stockholders":false,"Election of board members":false,"Decisions subject to approval":false,"Minutes of governing body":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,"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":231554,"Contributions":{"value":5000,"Other contributions":5000},"Program revenue":{"value":226377,"Total revenue":226377},"Investment income":{"value":177,"Investment income total":177},"Other revenues":{"value":0}},"Expenses":{"value":236464,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":149349,"Current officers":93600,"Other salaries and wages":43065,"Payroll taxes":12684},"Other expenses":{"value":87115,"Accounting":5400,"Advertising":15503,"Office expenses":13258,"Information technology":11007,"Occupancy":14400,"Travel":1274,"Depreciation and depletion":3934,"Insurance":3022,"Itemized Expenses":{"value":19317,"VARIOUS":19317}}},"Assets":{"value":48797,"Non-interest bearing cash":22048,"Savings and temp cash investments":15553,"Land, building, equipment":2030,"Other assets":9166},"Liabilities":{"value":22993,"Accounts payable, accrued":13878,"Deferred, revenue":1049,"Escrow account liability":8066},"Fund balance":{"value":25804},"Form990Details":{"program_service_accomplishments":[{"description":"DEBT MANAGEMENT PLANS (DMP): THE ORGANIZATION MANAGES OVER 250 CLIENT ACCOUNTS ANNUALLY. 165 COUNSELING SESSIONS WERE CONDUCTED FOR PEOPLE WHO DID NOT SIGN UP FOR A DEBT MANAGEMENT PROGRAM. IT ALSO PROVIDED TELEPHONE COUNSEL TO OVER 250 PEOPLE CALLING FOR GENERAL ADVICE AND COUNSEL. THESE ARE PEOPLE CALLING THAT WERE GIVEN HELPFUL FINANCIAL INFORMATION, BUT DIDN'T NEED THE PAID SERVICES OF THE ORGANIZATION. THE ORGANIZATION OFFERS CLIENTS ONGOING INDIVIDUAL BUDGET AND FINANCE COUNSELING AND FREE FINANCIAL EDUCATION OPPORTUNITIES. THROUGH THE DMP PROGRAM CLIENTS WERE ABLE TO PAY APPROXIMATELY 1,100,000 TO CREDITORS; THUS, HELPING THE CLIENT MOVE TOWARD THE GOAL OF BECOMING DEBT FREE. DURING AN INITIAL APPOINTMENT, THE COUNSELORS ASSESS THE CLIENTS' COMPLETE CURRENT FINANCIAL SITUATION. THE COUNSELOR WILL DISCUSS THE \"ROOT CAUSE\" OF THEIR FINANCIAL DIFFICULTIES. DURING THIS DISCUSSION THE COUNSELOR WILL HELP THE CLIENT UNDERSTAND THE ROOT CAUSE AND DETERMINE POSSIBLE SOLUTIONS. THE COUNSELOR REVIEWS THEIR INCOME AND EXPENSES ALONG WITH THEIR ASSETS AND LIABILITIES TO CLARIFY THEIR CURRENT FINANCIAL SITUATION. THE COUNSELOR ALSO DETERMINES THE BENEFITS OF A DMP IN ADDITION TO OTHER POSSIBLE SOLUTIONS TO RESOLVE THEIR FINANCIAL CRISIS. IN THESE SESSIONS, THE COUNSELOR EMPHASIZES THE IMPORTANCE OF HAVING AN EFFECTIVE BUDGET. COUNSELORS ARE TRAINED TO GIVE CLIENTS INFORMATION THAT WILL BE HELPFUL TOWARD GETTING AND REMAINING DEBT FREE.","expense":85146,"revenue":112189},{"description":"BANKRUPTCY CREDIT COUNSELING - THE ORGANIZATION PROVIDED 1,895 INDIVIDUAL BANKRUPTCY CERTIFICATES OF COUNSELING. DURING THE BANKRUPTCY CREDIT COUNSELING SESSION, THE COUNSELORS ASSESS THE CLIENTS' COMPLETE CURRENT FINANCIAL SITUATION. THE COUNSELOR WILL DISCUSS THE \"ROOT CAUSE\" OF THEIR FINANCIAL DIFFICULTIES. DURING THIS DISCUSSION THE COUNSELOR WILL HELP THE CLIENT UNDERSTAND THE ROOT CAUSE AND DETERMINE POSSIBLE SOLUTIONS. THE COUNSELOR REVIEWS THEIR INCOME AND EXPENSES ALONG WITH THEIR ASSETS AND LIABILITIES TO CLARIFY THEIR CURRENT FINANCIAL SITUATION; THE COUNSELOR ALSO EVALUATES THE FINANCIAL OUTLOOK FOR THE CLIENT AFTER THE BANKRUPTCY. THE COUNSELOR ALSO DETERMINES THE BENEFITS OF A DMP IN ADDITION TO OTHER POSSIBLE SOLUTIONS TO RESOLVE THEIR FINANCIAL CRISIS. IN THESE SESSIONS, THE COUNSELOR EMPHASIZES THE IMPORTANCE OF HAVING A BALANCED BUDGET. COUNSELORS ARE TRAINED TO GIVE CLIENTS INFORMATION THAT WILL BE HELPFUL TOWARD GETTING AND REMAINING DEBT FREE AFTER THE CLIENTS' BANKRUPTCY.","expense":54618,"revenue":64324},{"description":"PERSONAL FINANCIAL MANAGEMENT CLASS - THE ORGANIZATION PROVIDED 28 CLASSES TO 146 STUDENTS. THESE CLASSES ARE AVAILABLE IN A CLASSROOM SETTING OR OVER THE TELEPHONE. ADDITIONALLY, ONLINE CLASSES WERE PROVIDED TO 1,600 STUDENTS. THE ONLINE CLASS IS ALSO AVAILABLE IN SPANISH.","expense":47066,"revenue":49865}],"program_service_revenue_detail":[{"description":"PROGRAM REVENUE","total_revenue":226377,"related_or_exempt_function_income":226377}],"functional_expense_allocations":{"current_officers_directors":{"program_services":65520,"management_and_general":28080,"total":93600},"other_salaries_and_wages":{"program_services":43065,"total":43065},"payroll_taxes":{"program_services":10655,"management_and_general":2029,"total":12684},"accounting_fees":{"management_and_general":5400,"total":5400},"advertising":{"program_services":15503,"total":15503},"office_expenses":{"program_services":10606,"management_and_general":2652,"total":13258},"information_technology":{"program_services":8806,"management_and_general":2201,"total":11007},"occupancy":{"program_services":11520,"management_and_general":2880,"total":14400},"travel":{"program_services":1019,"management_and_general":255,"total":1274},"depreciation_depletion":{"management_and_general":3934,"total":3934},"insurance":{"program_services":2418,"management_and_general":604,"total":3022}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"backup_withholding_compliance":true,"employment_tax_returns_filed":true,"lobbying_activities":false,"deductible_non_cash_contributions":false,"deductible_contributions_of_art":false,"method_of_accounting_accrual":true,"schedule_o_part_iii":true,"schedule_o_part_vi":true},"principal_officer_detail":{"person_name":"MICHAEL SCHORER","address_line1":"6295 LEHMAN DRIVE B101","city":"COLORADO SPRINGS","state":"CO","zip":"80918"},"audit_financial_statement_detail":{"accountant_compile_or_review":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,"annual_disclosure_covered_persons":false},"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":"MICHAEL SCHORER","phone":"7195221722","address_line1":"6295 LEHMAN DRIVE","address_line2":"SUITE B101","city":"COLORADO SPRINGS","state":"CO","zip":"80918"},"officers_directors_key_employees":[{"title":"PRESIDENT","average_hours_per_week":55.0,"reportable_comp_from_org":50400,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"DIRECTOR","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR/SEC","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"SECRETARY-TR","average_hours_per_week":45.0,"reportable_comp_from_org":43200,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true}]},"ScheduleA":{"public_charity_status":{"publicly_supported_org_509a2":true},"support_170":{"prior_year_support_percentage":0.9989},"support_509":{"thirty_three_percent_test_current_year":true,"public_support_total":1658173,"public_support_percentage":0.9989,"investment_income_percentage":0.0},"support_509_prior_schema":{"gross_receipts_from_admissions":{"current_year":226377,"current_year_minus1":295735,"current_year_minus2":361151,"current_year_minus3":367202,"current_year_minus4":397708,"total":1648173},"gifts_grants_contributions_509":{"current_year":5000,"current_year_minus1":5000,"total":10000},"gross_investment_income_509":{"current_year":177,"current_year_minus1":262,"current_year_minus2":534,"current_year_minus3":480,"current_year_minus4":347,"total":1800},"investment_income_and_ubti":{"current_year":177,"current_year_minus1":262,"current_year_minus2":534,"current_year_minus3":480,"current_year_minus4":347,"total":1800},"total_509":{"current_year":231377,"current_year_minus1":300735,"current_year_minus2":361151,"current_year_minus3":367202,"current_year_minus4":397708,"total":1658173},"total_support_total":{"current_year":231554,"current_year_minus1":300997,"current_year_minus2":361685,"current_year_minus3":367682,"current_year_minus4":398055,"total":1659973}}},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"donor_advised_funds":{"disclosed_organization_legal_control":false,"disclosed_for_charitable_purposes":false},"conservation_easements":{"written_policy_monitoring":false,"section_170h_requirements_satisfied":false},"collections":{"solicited_assets_sale":false},"escrow_accounts":{"agent_trustee_etc":true,"beginning_balance":11480,"additions_during_year":1165796,"distributions_during_year":1169210,"ending_balance":8066,"included_on_financial_statements":true},"endowment_funds":{"held_by_unrelated_organizations":false,"held_by_related_organizations":false,"related_organizations_listed_schedule_r":false},"land_buildings_equipment":{"equipment":{"other_cost_or_other_basis":56726,"book_value":2030,"depreciation":54696},"total_book_value":2030},"other_assets":{"assets":[{"description":"CLIENT TRUST ACCOUNTS","book_value":8066},{"description":"RENT DEPOSIT","book_value":1100}],"total_book_value":9166},"supplemental_information":[{"identifier":"EXPLANATION FOR UNREPORTED CONTRIBUTIONS OR ASSETS","form_and_line_reference":"SCHEDULE D, PAGE 2, PART IV, LINE 1B","explanation":"THE ORGANIZATION COLLECTS CLIENT DEBT PAYMENTS AND THEN DISBURSES THE FUNDS TO THE VARIOUS CREDITORS AS THE CLIENT DIRECTS."},{"identifier":"ESCROW LIABILITY ARRANGEMENT EXPLANATION","form_and_line_reference":"SCHEDULE D, PAGE 2, PART IV, LINE 2B","explanation":"ORGANIZATION COLLECTS FUNDS AND THEN ONCE A WEEK PAYS CREDITORS AS THE CLIENTS DIRECT."}]},"Ratings":{"Mission Deployment Rate":{"score":null},"Program Expense Ratio":{"score":null},"Fundraising Efficiency":{"score":null,"percentile":null},"Filing Consistency Score":{"score":1.0},"Grant Itemization Coverage":{"score":null},"Independent Voting Board Pct":{"score":0.8},"Operating Margin":{"score":-0.021204557036371644,"percentile":0.37832831455338256},"Operating Reserve Ratio":{"score":0.20636122200419516,"percentile":0.17000027683959915},"Liabilities to Assets Ratio":{"score":0.47119699981556246,"percentile":0.15434979768382867},"Officer Compensation Ratio":{"score":0.3958319236754855,"percentile":0.09671036704594127},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Foreign Oversight Score":{"score":null},"Major-Donor Itemization":{"score":null},"Related-Party Transparency":{"score":null},"Pay-Setting Controls":{"score":null,"weight":5,"atoms":{"Compensation committee":{"value":null},"Independent compensation consultant":{"value":null},"Form 990 of other organizations reviewed":{"value":null},"Written employment contract":{"value":null},"Compensation survey or study":{"value":null},"Board or committee approval":{"value":null}}},"Governance Policy Score":{"score":0.5555555555555556,"weight":5,"atoms":{"Conflict of interest policy":{"value":true},"Whistle blower policy":{"value":true},"Document retention policy":{"value":true},"Compensation process for CEO":{"value":false},"Compensation process for other employees":{"value":false},"Form 990 provided to governing body":{"value":true},"Minutes of governing body":{"value":true},"Audit committee":{"value":false},"Independent audit financial statements":{"value":false}}},"Categories":{"Financial Efficiency":{"score":null,"weight":45},"Transparency & Controls":{"score":1.0,"weight":20},"Accountability":{"score":0.6981481481481482,"weight":14},"Sustainability":{"score":0.25757342529909394,"weight":13},"Growth":{"score":null,"weight":8}},"Overall Score":{"score":0.7047346511268574,"percentile":0.35422850212648643}},"source_xml":"201211309349302056_public.xml"},"sector":"Human Services","donation_categories":[],"zakat_policy":null},"error":null}