Form 990 for tax year 2025

Revenue

Part VIII, the statement of revenue.

• 1a · Federated campaigns

  $6,102

• 1e · Government grants (contributions)

  $6,130,309

• 1f · All other contributions, gifts and grants

  $4,809,717

• 2a · Program service revenue: CREDIT COUNSELING & DEBT MANAGEME

  total $26,126,206 · related or exempt $26,126,206

• 2b · Program service revenue: HOUSING COUNSELING & EDUCATION

  total $5,761,027 · related or exempt $5,761,027

• 2c · Program service revenue: AGENCY SUPPORT SERVICES

  total $934,399 · related or exempt $934,399

• 2d · Program service revenue: BANKRUPTCY COUNSELING & EDUCATION

  total $632,709 · related or exempt $632,709

• 2e · Program service revenue: CREDIT COUNSELING & DEBT RESOLUTI

  total $242,226 · related or exempt $242,226

• 3 · Investment income

  total $653,306 · excluded $653,306

• 7a · Gross sales of assets other than inventory

  securities $6,474,170

• 7b · Less cost or other basis and sales expenses

  securities $4,556,019 · other assets $1,228

• 7c · Gain or loss

  securities $1,918,151 · other assets -$1,228

• 7d · Net gain or loss

  total $1,916,923 · excluded $1,916,923

• 11a · Other revenue: BUSINESS PROCESS OUTSOURCING

  total $7,136,993 · unrelated business $4,285,222 · excluded $2,851,771

• 11e · Other revenue, total

  $7,136,993

Functional expenses

Part IX, the statement of functional expenses.

• 5 · Compensation of officers, directors and key employees

  total $3,662,435 · program services $2,201,447 · management and general $1,255,691 · fundraising $205,297

• 7 · Other salaries and wages

  total $20,372,152 · program services $18,017,630 · management and general $1,688,726 · fundraising $665,796

• 8 · Pension plan contributions

  total $361,939 · program services $341,084 · management and general $9,115 · fundraising $11,740

• 9 · Other employee benefits

  total $3,617,327 · program services $3,259,775 · management and general $230,366 · fundraising $127,186

• 10 · Payroll taxes

  total $1,543,500 · program services $1,323,353 · management and general $167,415 · fundraising $52,732

• 11b · Fees: legal

  total $344,737 · management and general $344,737

• 11c · Fees: accounting

  total $215,212 · program services $185,283 · management and general $28,976 · fundraising $953

• 11f · Fees: investment management

  total $114,860 · management and general $114,860

• 11g · Fees: other

  total $1,544,798 · program services $1,329,970 · management and general $207,989 · fundraising $6,839

• 12 · Advertising and promotion

  total $4,278,386 · program services $3,473,418 · management and general $777,957 · fundraising $27,011

• 13 · Office expenses

  total $1,187,182 · program services $1,115,727 · management and general $67,500 · fundraising $3,955

• 14 · Information technology

  total $107,952 · program services $69,674 · management and general $38,278

• 16 · Occupancy

  total $808,934 · program services $684,829 · management and general $118,920 · fundraising $5,185

• 17 · Travel

  total $166,608 · program services $87,608 · management and general $61,508 · fundraising $17,492

• 19 · Conferences, conventions and meetings

  total $397,753 · program services $209,152 · management and general $146,841 · fundraising $41,760

• 20 · Interest

  total $2,512 · program services $1,828 · management and general $684

• 22 · Depreciation, depletion and amortization

  total $1,219,281 · program services $303,641 · management and general $915,640

• 23 · Insurance

  total $487,269 · program services $487,081 · management and general $188

• 24a · Other expenses: BUSINESS PROCESS OUTSOU

  total $7,159,171 · management and general $7,159,171

• 24b · Other expenses: EQUIPMENT RENTAL & MAIN

  total $2,765,687 · program services $2,473,068 · management and general $292,107 · fundraising $512

• 24c · Other expenses: DIRECT COST OF REVENUE

  total $429,187 · program services $429,187

• 24d · Other expenses: DUES & SUBSCRIPTIONS

  total $243,974 · program services $97,120 · management and general $120,989 · fundraising $25,865

• 24e · All other expenses

  total $308,309 · program services $295,292 · management and general $11,784 · fundraising $1,233

Balance sheet

Part X, book values.

• 1 · Cash, non-interest-bearing

  beginning of year $1,935,585 · end of year $3,920,581

• 2 · Savings and temporary cash investments

  beginning of year $573,131

• 3 · Pledges and grants receivable

  beginning of year $1,764,177 · end of year $1,272,360

• 4 · Accounts receivable

  beginning of year $1,241,983 · end of year $736,341

• 9 · Prepaid expenses and deferred charges

  beginning of year $1,067,285 · end of year $1,071,640

• 10a · Land, buildings and equipment: cost or other basis

  $18,772,189

• 10b · Land, buildings and equipment: accumulated depreciation

  $13,826,802

• 10c · Land, buildings and equipment, net

  beginning of year $4,700,001 · end of year $4,945,387

• 11 · Investments: publicly traded securities

  beginning of year $29,174,098 · end of year $22,613,238

• 12 · Investments: other securities

  end of year $108,007

• 15 · Other assets

  beginning of year $9,993,226 · end of year $13,987,106

• 17 · Accounts payable and accrued expenses

  beginning of year $3,991,466 · end of year $3,683,566

• 19 · Deferred revenue

  beginning of year $8,289,360 · end of year $3,305,486

• 21 · Escrow or custodial account liability

  beginning of year $8,435,013 · end of year $13,114,395

• 25 · Other liabilities

  beginning of year $6,670,808 · end of year $1,053,848

• 27 · Net assets without donor restrictions

  beginning of year $23,036,217 · end of year $27,497,365

• 28 · Net assets with donor restrictions

  beginning of year $26,622 · end of year $0

The filer's explanations (Part III)

PART I, LINE 1A

MMI RECOGNIZES THAT BOARD MEMBERS OF MMI MAY BE REQUIRED TO TRAVEL AND INCUR EXPENSES FROM TIME TO TIME TO CONDUCT MMI BUSINESS AND TO FURTHER THE MISSION OF THE NONPROFIT ORGANIZATION. THE ORGANIZATION ALSO REIMBURSES FOR TRAVEL COMPANIONS AS LONG AS THE EXPENSES PERTAIN TO MMI BUSINESS AND HAVE BENN AUTHORIZED BY A SENIOR VICE PRESIDENT.

PART I, LINE 4A

DURING CALENDAR YEAR 2025, THE FOLLOWING INDIVIDUALS RECEIVED SEVERANCE PAYMENTS. DANIEL LEVINE - $165,500

PART I, LINE 7

EACH CHIEF OFFICER PROPOSED BONUSES FOR CERTAIN MEMBERS OF THEIR TEAMS BASED ON 2025 PERFORMANCE, LAST YEAR'S BONUS AND PERFORMANCE AND A PERCENTAGE OF ANNUAL SALARY. THESE AMOUNTS ARE DISCRETIONARY AND DOCUMENTATION WAS PROVIDED TO THE PRESIDENT & CEO FOR APPROVAL. FOR THOSE EMPLOYEES WHOSE COMPENSATION MUST BE APPROVED BY THE COMPENSATION COMMITTEE, THE FULL BOARD OF DIRECTORS HAD TO APPROVE THEIR BONUSES BASED ON A COMPENSATION STUDY AND FEEDBACK FROM THE PRESIDENT & CEO.

PART I, LINE 8

IN CONNECTION WITH A MERGER, THE ORGANIZATION ENTERED INTO A WRITTEN 36-MONTH AGREEMENT WITH AN INDIVIDUAL WHO WAS NOT A DISQUALIFIED PERSON AT THE TIME THE CONTRACT WAS EXECUTED.

Disregarded entities

Part I: entities that legally are the filer and file no return of their own.

• MMI HOUSING LLC

  REAL ESTATE · DE · income $0 · assets $0

  Directly controlled by MONEY MANAGEMENT INTERNATIONAL INC

• CALL CENTERED HOLDINGS

  BUSINESS PROCESS OUTSOURCING · AZ · income $0 · assets $0

  Directly controlled by MONEY MANAGEMENT INTERNATIONAL INC

• CALL CENTERED LLC

  BUSINESS PROCESS OUTSOURCING · AZ · income $7,137,102 · assets $7,111,552

  Directly controlled by MONEY MANAGEMENT INTERNATIONAL INC

Related corporations and trusts

Part IV: related organizations taxable as a corporation or trust.

• CALL CENTERED MEXICO

  C · BUSINESS PROCESS OUTSOURCING · MX · 99.99% owned · share of income $6,812,750 · share of assets $119,126 · controlled entity

  Directly controlled by CALL CENTERED LLC