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← CONSUMER CREDIT COUNSELING SERVICE OF THE SAVANNAH AREA INC

Form 990 for tax year 2025

Filed by CONSUMER CREDIT COUNSELING SERVICE OF THE SAVANNAH AREA INC.

Totals

Total revenue
$211,946
Total expenses
$957,833
Contributions and grants received
$89,978
Grants paid
$0
Program service revenue
$41,658
Investment income
$1,874
Other revenue
$78,436
Total assets, end of year
$0
Total liabilities, end of year
$0
Net assets or fund balances, end of year
$0
Program services expenses (Part IX)
$859,447
Management and general expenses
$98,386
Fundraising expenses
$0
Program service expenses (Part III)
$859,447

Program services were 89.7% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Revenue

Part VIII, the statement of revenue.

  • 1a · Federated campaigns

    $33,184

  • 1e · Government grants (contributions)

    $56,794

  • 2a · Program service revenue: CREDITOR CONTRIBUTION

    total $24,541 · related or exempt $24,541

  • 2b · Program service revenue: CLIENT CONTR & FEES

    total $17,117 · related or exempt $17,117

  • 3 · Investment income

    total $1,874 · excluded $1,874

  • 11a · Other revenue: ERTC FUNDING

    total $76,612 · excluded $76,612

  • 11b · Other revenue: OTHER INCOME

    total $1,725 · excluded $1,725

  • 11c · Other revenue: FUNDRAISER

    total $99 · related or exempt $99

  • 11e · Other revenue, total

    $78,436

Functional expenses

Part IX, the statement of functional expenses.

  • 5 · Compensation of officers, directors and key employees

    total $160,561 · program services $91,520 · management and general $69,041

  • 7 · Other salaries and wages

    total $202,274 · program services $202,274

  • 8 · Pension plan contributions

    total $5,644 · program services $3,161 · management and general $2,483

  • 9 · Other employee benefits

    total $27,753 · program services $15,542 · management and general $12,211

  • 10 · Payroll taxes

    total $29,338 · program services $24,057 · management and general $5,281

  • 11b · Fees: legal

    total $10,530 · program services $10,530

  • 11c · Fees: accounting

    total $15,010 · program services $15,010

  • 11g · Fees: other

    total $16,680 · program services $14,178 · management and general $2,502

  • 12 · Advertising and promotion

    total $41 · program services $35 · management and general $6

  • 13 · Office expenses

    total $10,284 · program services $8,742 · management and general $1,542

  • 16 · Occupancy

    total $8,597 · program services $7,312 · management and general $1,285

  • 19 · Conferences, conventions and meetings

    total $3,923 · program services $3,335 · management and general $588

  • 22 · Depreciation, depletion and amortization

    total $8,548 · program services $7,270 · management and general $1,278

  • 23 · Insurance

    total $8,352 · program services $7,104 · management and general $1,248

  • 24a · Other expenses: CONTRIBUTION TO 501(C)(3)

    total $441,914 · program services $441,914

  • 24b · Other expenses: BANK FEES

    total $3,948 · program services $3,358 · management and general $590

  • 24c · Other expenses: ACCREDATION AND BOARD MEE

    total $2,216 · program services $1,885 · management and general $331

  • 24d · Other expenses: OTHER

    total $1,154 · program services $1,154

  • 24e · All other expenses

    total $1,066 · program services $1,066

Balance sheet

Part X, book values.

  • 1 · Cash, non-interest-bearing

    beginning of year $518,042

  • 3 · Pledges and grants receivable

    beginning of year $78,244

  • 4 · Accounts receivable

    beginning of year $4,063

  • 10c · Land, buildings and equipment, net

    beginning of year $187,398

  • 15 · Other assets

    beginning of year $12,901

  • 17 · Accounts payable and accrued expenses

    beginning of year $24,498

  • 21 · Escrow or custodial account liability

    beginning of year $2,601

  • 25 · Other liabilities

    beginning of year $27,761

  • 27 · Net assets without donor restrictions

    beginning of year $545,788

  • 28 · Net assets with donor restrictions

    beginning of year $200,000

Mission and programs · 2025

Mission

TO PROVIDE THE BEST NON-PROFIT COMMUNITY SERVICE, DEDICATED TO DELIVERING PROFESSIONAL AND CONFIDENTIAL COUNSELING, DEBT MANAGEMENT, HOUSING COUNSELING AND CONSUMER

Activities or mission (Part I)

TO PROVIDE THE BEST NON-PROFIT COMMUNITY SERVICE, DEDICATED TO DELIVERING PROFESSIONAL AND CONFIDENTIAL COUNSELING, DEBT MANAGEMENT, HOUSING COUNSELING AND CONSUMER CREDIT EDUCATION TO ALL SEGMENTS OF THE COMMUNITY REGARDLESS OF ABILITY TO PAY

  • CONSUMER CREDIT COUNSELING SERVICE OF THE SAVANNAH AREA, INC. (CCCS) IS FOCUSED ON THE FINANCIAL WELL-BEING AND ECONOMIC STABILITY OF INDIVIDUALS AND FAMILIES. IN 2025, CCCS PROVIDED SERVICES TO 670 INDIVIDUALS AND FAMILIES THROUGH FINANCIAL COUNSELING AND EDUCATIONAL PROGRAMS. 357 INDIVIDUALS AND FAMILIES WERE SERVED THROUGH BUDGET COUNSELING, CREDIT COUNSELING, FIRST-TIME HOMEBUYER COUNSELING, DELINQUENT MORTGAGE COUNSELING, REVERSE MORTGAGE COUNSELING AND BANKRUPTCY COUNSELING. CCCS ADDITIONALLY ASSISTED FAMILIES IN THE REPAYMENT OF 85,841.12 TO CREDITORS ON BEHALF OF THE FAMILIES PARTICIPATING IN A DEBT MANAGEMENT PROGRAM. CCCS ALSO PROVIDED 26 FREE FINANCIAL LITERACY WORKSHOPS AND OUTREACH PROGRAMS, COVERING A WIDE ARRAY OF FINANCIAL TOPICS WHICH REACHED 313 INDIVIDUALS. IN MAY OF 2025, CCCS MADE THE STRATEGIC DECISION TO TRANSFER ITS ASSETS AND OPERATIONS TO CONSUMER CREDIT COUNSELING OF ROCHESTER, INC. THE CCCS BOARD MADE THIS DECISION BELIEVING THIS WAS BEST FOR THE CLIENTS AND CONTINUED VIABILITY OF THE MISSION CCCS.

    Expenses $859,447 · Revenue $41,658

As filed on the 2025 return. The filer continues this part on Schedule O, which is not shown here.

Listed in Part VII

  • John Wills

    EXEC DIRECTO

    Total calculated
    $160,561
    From this org
    $160,561
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $160,561
    Bonus
    not reported
    Other
    not reported
    Deferred
    not reported
    Nontaxable benefits
    not reported
    Filer's total
    $160,561

  • Dr Sandra McCord Best

    SECRETARY

    Total calculated
    $0
    Hours/week
    3

  • Matthew Brigman

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • Thomas L Cole

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • Jamie Durrence

    2ND VICE CHA

    Total calculated
    $0
    Hours/week
    3

  • Mary G Fuller

    VICE CHAIR

    Total calculated
    $0
    Hours/week
    3

  • Alfreda Goldwire

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • Matthew Gunn

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • Judson L Hendry

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • Tj Hilliard

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • Denise Holguin

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • Larry Jackson

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • James E Davis Jr

    TREASURER

    Total calculated
    $0
    Hours/week
    3

  • Chris A Miltiades

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • Jessica Pace

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • Marsha D Scott

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • Robert Whitmarsh

    BOARD CHAIR

    Total calculated
    $0
    Hours/week
    3

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Answered yes

None.

Answered no

  • 4a · Severance or change-of-control payment
  • 4b · Supplemental nonqualified retirement plan
  • 4c · Equity-based compensation arrangement
  • 5a · Pay contingent on this organization's revenues
  • 5b · Pay contingent on a related organization's revenues
  • 6a · Pay contingent on this organization's net earnings
  • 6b · Pay contingent on a related organization's net earnings
  • 7 · Other non-fixed payments
  • 8 · Paid under the initial-contract exception

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

No itemized grants to organizations on this return.

Assets distributed on this return

Schedule N, as filed: what the organization did with its assets when it liquidated or dissolved, or disposed of more than a quarter of them, and who received them. A recipient with an EIN is usually a successor organization; filers also list expenses such as legal fees here.

Provenance

Return type
form_990
Tax year
2025
Filed
22 May 2026
IRS schema version
2025v4.0
Source object
202641429349301404

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