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Nonprofiteer
← CONSUMER CREDIT COUNSELING INC

Form 990 for tax year 2024

Filed by CONSUMER CREDIT COUNSELING INC.

Totals

Total revenue
$816,686
Total expenses
$895,067
Contributions and grants received
$634,757
Grants paid
$0
Program service revenue
$94,073
Investment income
$12,101
Other revenue
$75,755
Total assets, end of year
$574,174
Total liabilities, end of year
$342,488
Net assets or fund balances, end of year
$231,686
Program services expenses (Part IX)
$571,514
Management and general expenses
$233,732
Fundraising expenses
$89,821
Program service expenses (Part III)
$571,514

Program services were 63.9% 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

    $0

  • 1b · Membership dues

    $0

  • 1c · Fundraising events

    $0

  • 1d · Related organizations

    $142,150

  • 1e · Government grants (contributions)

    $462,168

  • 1f · All other contributions, gifts and grants

    $30,439

  • 1g · Noncash contributions included above

    $0

  • 2a · Program service revenue: See Schedule O

    total $94,073 · related or exempt $94,073 · unrelated business $0 · excluded $0

  • 2b · Program service revenue

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 2c · Program service revenue

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 2d · Program service revenue

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 2e · Program service revenue

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 2f · All other program service revenue

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 3 · Investment income

    total $12,101 · related or exempt $0 · unrelated business $0 · excluded $12,101

  • 4 · Income from investment of tax-exempt bond proceeds

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 5 · Royalties

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 6a · Gross rents

    real property $0 · personal property $0

  • 6b · Less rental expenses

    real property $0 · personal property $0

  • 6c · Rental income or loss

    real property $0 · personal property $0

  • 6d · Net rental income or loss

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 7a · Gross sales of assets other than inventory

    securities $0 · other assets $0

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

    securities $0 · other assets $0

  • 7c · Gain or loss

    securities $0 · other assets $0

  • 7d · Net gain or loss

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 8a · Fundraising events: gross income

    $0

  • 8a · Fundraising events: contributions included on line 1c

    $0

  • 8b · Fundraising events: direct expenses

    $0

  • 8c · Net income from fundraising events

    total $0 · unrelated business $0 · excluded $0

  • 9a · Gaming: gross income

    $0

  • 9b · Gaming: direct expenses

    $0

  • 9c · Net income from gaming

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 10a · Gross sales of inventory

    $0

  • 10b · Cost of goods sold

    $0

  • 10c · Net income from sales of inventory

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 11a · Other revenue: Other Income

    total $75,000 · related or exempt $0 · unrelated business $0 · excluded $75,000

  • 11b · Other revenue: Exempt

    total $755 · related or exempt $0 · unrelated business $0 · excluded $755

  • 11c · Other revenue

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 11d · All other revenue

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 11e · Other revenue, total

    $75,755

Functional expenses

Part IX, the statement of functional expenses.

  • 1 · Grants to domestic organizations and governments

    total $0 · program services $0

  • 2 · Grants to domestic individuals

    total $0 · program services $0

  • 3 · Grants to foreign organizations and individuals

    total $0 · program services $0

  • 4 · Benefits paid to or for members

    total $0 · program services $0

  • 5 · Compensation of officers, directors and key employees

    total $140,618 · program services $89,786 · management and general $36,721 · fundraising $14,111

  • 6 · Compensation of disqualified persons

    total $0 · program services $0 · management and general $0 · fundraising $0

  • 7 · Other salaries and wages

    total $344,708 · program services $220,102 · management and general $90,014 · fundraising $34,592

  • 8 · Pension plan contributions

    total $14,906 · program services $9,518 · management and general $3,892 · fundraising $1,496

  • 9 · Other employee benefits

    total $56,424 · program services $36,028 · management and general $14,734 · fundraising $5,662

  • 10 · Payroll taxes

    total $40,933 · program services $26,136 · management and general $10,689 · fundraising $4,108

  • 11a · Fees: management

    total $0 · program services $0 · management and general $0 · fundraising $0

  • 11b · Fees: legal

    total $120 · program services $77 · management and general $31 · fundraising $12

  • 11c · Fees: accounting

    total $14,701 · program services $9,387 · management and general $3,839 · fundraising $1,475

  • 11d · Fees: lobbying

    total $0 · program services $0 · management and general $0 · fundraising $0

  • 11e · Fees: professional fundraising services

    total $0 · fundraising $0

  • 11f · Fees: investment management

    total $0 · program services $0 · management and general $0 · fundraising $0

  • 11g · Fees: other

    total $46,248 · program services $29,530 · management and general $12,077 · fundraising $4,641

  • 12 · Advertising and promotion

    total $0 · program services $0 · management and general $0 · fundraising $0

  • 13 · Office expenses

    total $21,237 · program services $13,560 · management and general $5,546 · fundraising $2,131

  • 14 · Information technology

    total $0 · program services $0 · management and general $0 · fundraising $0

  • 15 · Royalties

    total $0 · program services $0 · management and general $0 · fundraising $0

  • 16 · Occupancy

    total $84,034 · program services $53,657 · management and general $21,944 · fundraising $8,433

  • 17 · Travel

    total $11,377 · program services $7,264 · management and general $2,971 · fundraising $1,142

  • 18 · Travel or entertainment for public officials

    total $0 · program services $0 · management and general $0 · fundraising $0

  • 19 · Conferences, conventions and meetings

    total $312 · program services $199 · management and general $81 · fundraising $32

  • 20 · Interest

    total $4,136 · program services $2,641 · management and general $1,080 · fundraising $415

  • 21 · Payments to affiliates

    total $0 · program services $0 · management and general $0 · fundraising $0

  • 22 · Depreciation, depletion and amortization

    total $3,973 · program services $2,537 · management and general $1,037 · fundraising $399

  • 23 · Insurance

    total $4,029 · program services $2,573 · management and general $1,052 · fundraising $404

  • 24a · Other expenses: BANK CHARGES

    total $17,387 · program services $11,102 · management and general $4,540 · fundraising $1,745

  • 24b · Other expenses: TELEPHONE, INTERNET, OTHER TELECOMMUNICATIONS

    total $21,729 · program services $13,874 · management and general $5,674 · fundraising $2,181

  • 24c · Other expenses: DUES AND SUBSCRIPTIONS

    total $4,629 · program services $2,956 · management and general $1,209 · fundraising $464

  • 24d · Other expenses: REPAIRS AND MAINTENANCE

    total $53,246 · program services $33,998 · management and general $13,904 · fundraising $5,344

  • 24e · All other expenses

    total $10,320 · program services $6,589 · management and general $2,697 · fundraising $1,034

  • 26 · Joint costs (an allocation of the lines above)

    total $0 · program services $0 · management and general $0 · fundraising $0

Balance sheet

Part X, book values.

  • 1 · Cash, non-interest-bearing

    beginning of year $37,205 · end of year $104,588

  • 2 · Savings and temporary cash investments

    beginning of year $327,639 · end of year $219,739

  • 3 · Pledges and grants receivable

    beginning of year $0 · end of year $0

  • 4 · Accounts receivable

    beginning of year $126,867 · end of year $106,828

  • 5 · Loans and receivables from officers and key people

    beginning of year $0 · end of year $0

  • 6 · Loans and receivables from disqualified persons

    beginning of year $0 · end of year $0

  • 7 · Other notes and loans receivable

    beginning of year $0 · end of year $0

  • 8 · Inventories for sale or use

    beginning of year $0 · end of year $0

  • 9 · Prepaid expenses and deferred charges

    beginning of year $6,980 · end of year $7,109

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

    $28,420

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

    $23,715

  • 10c · Land, buildings and equipment, net

    beginning of year $8,678 · end of year $4,705

  • 11 · Investments: publicly traded securities

    beginning of year $0 · end of year $0

  • 12 · Investments: other securities

    beginning of year $0 · end of year $0

  • 13 · Investments: program-related

    beginning of year $0 · end of year $0

  • 14 · Intangible assets

    beginning of year $0 · end of year $0

  • 15 · Other assets

    beginning of year $2,167 · end of year $131,205

  • 17 · Accounts payable and accrued expenses

    beginning of year $41,527 · end of year $45,824

  • 18 · Grants payable

    beginning of year $0 · end of year $0

  • 19 · Deferred revenue

    beginning of year $0 · end of year $9,080

  • 20 · Tax-exempt bond liabilities

    beginning of year $0 · end of year $0

  • 21 · Escrow or custodial account liability

    beginning of year $2,167 · end of year $502

  • 22 · Loans and payables to officers and key people

    beginning of year $0 · end of year $0

  • 23 · Secured mortgages and notes payable

    beginning of year $155,775 · end of year $153,452

  • 24 · Unsecured notes and loans payable

    beginning of year $0 · end of year $0

  • 25 · Other liabilities

    beginning of year $0 · end of year $133,630

  • 27 · Net assets without donor restrictions

    beginning of year $310,067 · end of year $231,686

  • 28 · Net assets with donor restrictions

    beginning of year $0 · end of year $0

Mission and programs · 2024

Mission

OUR MISSION IS TO EDUCATE AND ADVISE CONSUMERS AND OTHER ENTITIES IN THE FINANCIAL PROFESSIONAL AND ORGANIZATIONAL DEVELOPMENT SO THAT THEY CAN RESPONSIBLY REACH THEIR GOALS BY PROVIDING THEM TRAINING AND COUNSELING BASED ON THEIR EXPECTATIONS AND NEEDS

Activities or mission (Part I)

COMMUNITY BASED MISSION-DRIVEN ORGANIZATION ENGAGED IN PROVIDING FINANCIAL COUNSELING.

  • CONSUMER CREDIT COUNSELING EDUCATION AND FINANCIAL WELLNESS PROGRAMS: CONSUMER PUERTO RICO PROVIDES FINANCIAL COUNSELING CREDIT COUNSELING STUDENT LOAN COUNSELING PRE-FILING BANKRUPTCY COUNSELING FINANCIAL EDUCATION AND DEBT MANAGEMENT SERVICES TO PEOPLE IN PUERTO RICO AND FLORIDA.

    Expenses $180,068 · Revenue $94,073

  • HOUSING COUNSELING: AS A DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD HOUSING COUNSELING AGENCY CONSUMER PUERTO RICO PROVIDES FIRST TIME HOME BUYERS EDUCATION LOSS MITIGATION COUNSELING AND REVERSE MORTGAGE COUNSELING TO PEOPLE IN PUERTO RICO. NOTE: REVENUE FROM THIS ACTIVITY IS FEDERALLY FUNDED AND THEREFORE INCLUDED UNDER PART VIII 1 CONTRIBUTIONS AND GRANTS.

    Expenses $391,446

As filed on the 2024 return.

Listed in Part VII

  • EUGENIO M ALONSO - LEFT 09-2024

    PRESIDENT AND CEO CONSUMERS

    Total calculated
    $140,618
    From this org
    $138,218
    From related orgs
    $0
    Other
    $2,400
    Hours/week
    40

  • RICHARD T HOLLIS - END 9-2024

    CHIEF FINANCIAL OFFICER

    Total calculated
    $276,899
    From this org
    $0
    From related orgs
    $265,414
    Other
    $11,485
    Hours/week
    3 + 37 related

    Schedule J breakdown matched by us

    Base
    $0 + $161,111 related
    Bonus
    $0 + $47,790 related
    Other
    $0 + $56,513 related
    Deferred
    $0 + $11,485 related
    Nontaxable benefits
    $0
    Filer's total
    $0 + $276,899 related

  • DAVID FLORES

    DIR OF CLIENT SVC PGM PERFORMANCE

    Total calculated
    $271,880
    From this org
    $0
    From related orgs
    $231,842
    Other
    $40,038
    Hours/week
    8 + 32 related

    Schedule J breakdown matched by us

    Base
    $0 + $200,809 related
    Bonus
    $0 + $30,570 related
    Other
    $0 + $463 related
    Deferred
    $0 + $12,046 related
    Nontaxable benefits
    $0 + $27,992 related
    Filer's total
    $0 + $271,880 related

  • MICHAEL SHINKONIS - BEGAN 8-2024

    CHIEF FINANCIAL OFFICER

    Total calculated
    $224,879
    From this org
    $0
    From related orgs
    $187,083
    Other
    $37,796
    Hours/week
    2 + 38 related

    Schedule J breakdown matched by us

    Base
    $0 + $172,745 related
    Bonus
    $0 + $14,011 related
    Other
    $0 + $327 related
    Deferred
    $0 + $9,804 related
    Nontaxable benefits
    $0 + $27,992 related
    Filer's total
    $0 + $224,879 related

  • RAFAEL LLOMPART TODD

    PRESIDENT

    Total calculated
    $0
    Hours/week
    1

  • CARLOS PADIN BIBILONI

    TREASURER

    Total calculated
    $0
    Hours/week
    1

  • EUGENIO M ALONSO - BEGAN 10-2024

    VOCAL

    Total calculated
    $0
    Hours/week
    1

  • ARTURO CARRION

    VOCAL

    Total calculated
    $0
    Hours/week
    1

  • PEDRO GONZALEZ

    VOCAL

    Total calculated
    $0
    Hours/week
    1

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

  • 3 · Approval by the board or compensation committee
  • 4a · Severance or change-of-control payment

Answered no

  • 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

The filer's explanations (Part III)

Part I Line 4a
| Name :, Amount:| EUGENIO ALONSO ALONSO, 30000|
Part I Line 4a
| Name :, Amount:| RICHARD T HOLLIS, 36308|

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.

Related organizations on this return

Schedule R Part II: tax-exempt organizations related to the filer by control. It does not record shared board members or money.

Provenance

Return type
form_990
Tax year
2024
Filed
14 November 2025
IRS schema version
2024v5.1
Source object
202533189349314438

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