Debt Counseling Corp

Nonprofit profile at a glance

EIN
113282205
IRS 990-EZ coverage
2025–2025
Forms available
Form 990 2024, Form 990-EZ 2025
Location
Port Jefferson, NY, USA
Phone
6315824300
Rating
67
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Financial Counseling

Reported finances

Revenue
$14,779
Expenses
$21,670
Assets
$0

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

7 people listed

Executive titles in this filing

  • MICHAEL NAPOLITANO (President)

People named in this filing

  • PETER PROTAN (Director)
  • GEORGIA SKEVOFILAX (Director)
  • THERESA MULLIGAN (Director)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

It is the mission of Debt Counseling Corp to provide the highest quality of individual education on matters of interest to consumers related to debt, credit and financial management. We strive to treat each consumer as an individual with specific needs. This mission is accomplished through telephonic counseling sessions and outreach through the educational materials available on our website during this time period. It is our goal to teach consumers the skills they need to make better financial decisions not just in the short term but over their lifetime.Counseling is conducted by Certified Credit Counselors and is especially important for those in the lower to moderate income level of the population who might not otherwise have access to this help. The organization's counseling function includes teaching consumers how to have a better understanding of where and when they are spending their money and what can be done to better their financial situation. This allows consumers to take an

What it reported doing in 2025

The largest service provided by DCC is our credit counseling. Our counseling is performed by Certified Credit Counselors to the general public and focuses on financially educating all individuals who are in need of help no matter their situation. Our organizations counseling service enables consumers to have a better understanding of how and where they are spending their money and what can be done to better their financial situation.Counselors help consumers complete a budget and identify opportunities to pay down their debt. This allows consumers to take an active role in understanding their cash flow; ultimately making their debt more manageable. Social Service referrals are given (if appropriate). Our in-house Education Department researches and writes all of our educational material which is used to support our counseling sessions.If appropriate, a Debt Management Program is suggested and a referral is made to a licensed 501(c)(3) organization. This program has proven to be invaluable to those for whom it is a good fit. Our Certified Credit Counselors continue to educate clients throughout the process as well as after the program is completed for as long as the clients would like. Community outreach is available through our website. All educational programs are geared to specific groups. Examples of Programs that are available include: RESCUE (Resolving, Empowering, and Supplying Counseling to the Underserved through Education) EFFECT (Employees Financial Freedom Education Training) YES (Youth Educational Services) SOS (Saving Our Seniors)Additionally, DCC offers information on such topics as: Understanding Credit Reports Getting Married? Talk Money First How to Prevent Foreclosure Life After Graduation Identity Theft Saving for Retirement Survival Guide: New College Students Parents Guide: How to Raise Financially Responsible Teens Saving for College 101 Senior Citizens Beware: Dont Lose Your Hard Earned Cash Suddenly Single? Suddenly Financially Responsible Considering Bankruptcy? Our educational information and programs are geared to help consumers adapt their budget and spending habits to coincide with life changes which may occur along the way. Its a skill they will be able to use throughout their lifetime.

Operating model

Revenue model
Cannot be determined from the filing. The filing does not provide enough consistent revenue detail to tell how this nonprofit funds its work.
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

SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. A relatively small share of total spending goes to programs and revenue has declined or grown slowly.

Rating breakdown

  • Financial Efficiency: 67
  • Transparency & Controls: 82
  • Sustainability: 8
  • Growth: 0

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 75.7%; rating input score 76
  • Program expense ratio: 51.6%; rating input score 52

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
  • Major donor itemization: Limited

Sustainability

  • Operating margin: -46.6%; rating input score 13; 13th percentile among comparable filings
  • Total-asset coverage ratio: 0; rating input score 3; 3rd percentile among comparable filings
  • Liabilities to assets ratio: Limited
  • Officer compensation ratio: 32%; rating input score 6; 6th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: -15.9% per year; rating input score 0; 18th percentile among comparable filings
  • Asset growth: -14.4% per year; rating input score 0; 14th percentile among comparable filings

Details

  • Where the money goes: 75.7% of revenue deployed · 51.6% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 1 filed program accomplishment · $11K in reported program spending
  • Leadership: top reported pay $0 · 7 people listed
  • Consistency: 5 of 5 current checks pass
  • Schedules: 3 filed schedules
  • Contacts: How to reach this organization
  • Money network: 4 filed money-flow records
  • 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.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Financial Efficiency: Program expense ratio scored 52/100.
  • High — Growth: Revenue growth scored 0/100.
  • High — Sustainability: Operating margin scored 13/100.
  • High — Growth: Asset growth scored 0/100.
  • High — Sustainability: Total-asset coverage ratio scored 3/100.
  • High — Sustainability: Officer compensation ratio scored 6/100.