Credit Card Management Services Inc
Nonprofit profile at a glance
- EIN
- 311483386
- IRS 990 coverage
- 2019–2025
- Forms available
- Form 990 2025
- Location
- West Palm Beach, FL, USA
- Phone
- 5614728000
- Rating
- 81
- Verdict
- STRONG
- Rating confidence
- Moderate
- Sector
- Financial Counseling
Reported finances
- Revenue
- $4,502,566
- Expenses
- $4,089,333
- Assets
- $6,796,466
- Liabilities
- $853,429
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
8 people listed
Executive titles in this filing
- Mr Paul Donohue Jr (President)
Highest reported compensation
- Mr Paul Donohue Jr (President): $270,730 total reported compensation
- Rajesh Bhavsar (IT Director): $180,000 total reported compensation
- Mohan Lalwani (Program Manager): $139,966 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To educate, advise and empower youth to seniors to handle debt, credit & housing and to provide affordable housing opportunities through the acquisition and rehabilitation of residential properties. Debthelper.com partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their community.
What it reported doing in 2025
Financial literacy 13,305 served. Approved to issue debt management plans in nearly all 50 states. Licensed bonded and insured. Consumers looking for relief paying back their credit cards are provided assistance with interest rates and repayment terms while on a debt management plan. Plans usually take about four years to repay and generally pay less interest and more toward the principal of the amount owed. Consumers look to improve their personal financial condition, improve credit knowledge, increase asset building and avoid personal bankruptcy.
Operating model
- Revenue model
- Earned-program. 87% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.
Rating breakdown
- Financial Efficiency: 81
- Transparency & Controls: 79
- Accountability: 88
- Sustainability: 48
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 87.4%; rating input score 87
- Program expense ratio: 97%; rating input score 97
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: 3 of 6 controls in place; rating input score 50
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Pass
- Written employment contract: Missing
- Compensation survey or study: Missing
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 80%; rating input score 80; 16th percentile among comparable filings
- Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 9.2%; rating input score 54; 54th percentile among comparable filings
- Total-asset coverage ratio: 1.66; rating input score 52; 52nd percentile among comparable filings
- Liabilities to assets ratio: 0.13; rating input score 44; 44th percentile among comparable filings
- Officer compensation ratio: 17.8%; rating input score 18; 18th percentile among comparable filings
Growth
- Program expense growth: 3.2% per year; rating input score 100; 25th percentile among comparable filings
- Revenue growth: 0.4% per year; rating input score 100; 10th percentile among comparable filings
- Asset growth: 12.1% per year; rating input score 100; 66th percentile among comparable filings
Details
- Where the money goes: 87.4% of revenue deployed · 97% of spending went to programs
- Governance: 4 of 5 board members independent · 9 of 9 filing controls reported
- Programs: 4 filed program accomplishments · $4M in reported program spending
- Leadership: top reported pay $271K · 8 people listed · 3 of 6 pay-setting controls reported
- Consistency: 30 of 30 current checks pass
- Schedules: 6 filed schedules · includes major donors and executive pay
- Filing history: 7 filing years from 2019 to 2025
- Contacts: How to reach this organization
- Money network: 4 filed money-flow records
- Related organizations: 1 filed related-organization link
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Sustainability: Operating margin scored 54/100.
- Review — Sustainability: Total-asset coverage ratio scored 52/100.
- High — Sustainability: Officer compensation ratio scored 18/100.
- Moderate — Sustainability: Liabilities to assets ratio scored 44/100.