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← ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC

Form 990 for tax year 2025

Filed by ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC.

Totals

Total revenue
$429,946
Total expenses
$425,846
Contributions and grants received
$19,500
Grants paid
$0
Program service revenue
$399,080
Investment income
$11,329
Other revenue
$37
Total assets, end of year
$390,302
Total liabilities, end of year
$14,616
Net assets or fund balances, end of year
$375,686
Program services expenses (Part IX)
$272,961
Management and general expenses
$152,885
Fundraising expenses
$0
Program service expenses (Part III)
$272,961

Program services were 64.1% 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.

  • 1f · All other contributions, gifts and grants

    $19,500

  • 2a · Program service revenue: NET TELELEAD REVENUE

    total $216,114 · related or exempt $216,114

  • 2b · Program service revenue: MEMBERSHIP DUES

    total $155,333 · related or exempt $155,333

  • 2c · Program service revenue: CONFERENCE REVENUES

    total $27,633 · related or exempt $27,633

  • 3 · Investment income

    total $11,329 · excluded $11,329

  • 11a · Other revenue: MISCELLANEOUS INCOME

    total $37 · excluded $37

  • 11e · Other revenue, total

    $37

Functional expenses

Part IX, the statement of functional expenses.

  • 5 · Compensation of officers, directors and key employees

    total $127,363 · management and general $127,363

  • 10 · Payroll taxes

    total $8,568 · management and general $8,568

  • 11c · Fees: accounting

    total $4,076 · program services $250 · management and general $3,826

  • 11g · Fees: other

    total $2,365 · program services $1,100 · management and general $1,265

  • 12 · Advertising and promotion

    total $162,461 · program services $162,461

  • 13 · Office expenses

    total $6,665 · program services $3,059 · management and general $3,606

  • 14 · Information technology

    total $9,012 · program services $9,012

  • 17 · Travel

    total $7,099 · management and general $7,099

  • 19 · Conferences, conventions and meetings

    total $38,796 · program services $37,832 · management and general $964

  • 23 · Insurance

    total $2,832 · program services $2,832

  • 24a · Other expenses: TELELEAD EXPENSES

    total $50,415 · program services $50,415

  • 24b · Other expenses: DUES AND SUBSCRIPTIONS

    total $6,050 · program services $6,000 · management and general $50

  • 24c · Other expenses: TAXES AND FEES

    total $144 · management and general $144

Balance sheet

Part X, book values.

  • 1 · Cash, non-interest-bearing

    beginning of year $154,763 · end of year $94,986

  • 2 · Savings and temporary cash investments

    beginning of year $210,015 · end of year $271,344

  • 4 · Accounts receivable

    beginning of year $12,305 · end of year $18,365

  • 9 · Prepaid expenses and deferred charges

    beginning of year $2,508 · end of year $5,607

  • 17 · Accounts payable and accrued expenses

    beginning of year $9,915 · end of year $8,620

  • 19 · Deferred revenue

    beginning of year $1,000

  • 25 · Other liabilities

    beginning of year $0 · end of year $5,996

  • 27 · Net assets without donor restrictions

    beginning of year $368,676 · end of year $375,686

Mission and programs · 2025

Mission

TO PROVIDE HIGH-VALUE SERVICES DESIGNED TO ESTABLISH EQUILIBRIUM BETWEEN CONSUMERS, CREDITORS, AND MEMBER AGENCIES FOR THE SUCCESSFUL REHABILITATION OF DEBT-CHALLENGED FAMILIES AND INDIVIDUALS.

  • MEMBERSHIP SERVICES - THE ASSOCIATION INFORMS ITS MEMBERS ABOUT STATE AND FEDERAL LEGISLATION, CHAMPIONS CONSUMER FINANCIAL EDUCATION, SUPPORTS INDUSTRY ISSUES AND INITIATIVES THROUGH THE MEDIA, AND STRIVES FOR THE MAINTENANCE OF CONTINUED POSITIVE RELATIONSHIPS BETWEEN CREDITORS AND THE CREDIT COUNSELING INDUSTRY. ADDITIONAL MEMBER SERVICES - THE ASSOCIATION PROVIDES INFORMED LEADERSHIP, ADVOCACY, AND VALUE-ADDED SERVICES TO ITS MEMBERS BY COLLECTING DATA ON MEMBER NEEDS, MEASURING MEMBER SATISFACTION, AND CONTINUOUSLY STRIVING TO IMPROVE THE ASSOCIATION'S EFFECTIVENESS. IN ADDITION, THE ASSOCIATION MAINTAINS A WEBSITE THAT PROVIDES INFORMATIONAL AND EDUCATIONAL RESOURCES FOR MEMBERS AND CONSUMERS IN GENERAL.

    Expenses $234,165 · Revenue $371,447

  • ANNUAL CONFERENCE - THE ASSOCIATION OFFERS EDUCATIONAL CONFERENCES FOR MEMBERS TO SHARE INFORMATION AND TO OBTAIN THE LATEST UPDATES FROM INDUSTRY EXPERTS ON CREDIT COUNSELING METHODS AND PRACTICES. SESSIONS ARE CONDUCTED FOR INDIVIDUALS AT ALL LEVELS OF THEIR ORGANIZATION AND ON MANY VARIED RELEVANT TOPICS. IN ADDITION, COUNSELORS IN ATTENDANCE AT THE CONFERENCE ARE ELIGIBLE TO RECEIVE CONTINUING EDUCATION CREDITS FROM THEIR THIRD PARTY CERTIFICATION PROVIDERS.

    Expenses $38,796 · Revenue $27,633

As filed on the 2025 return.

Listed in Part VII

  • MARTIN LYNCH

    PRESIDENT

    Total calculated
    $0
    Hours/week
    15

  • CHRISTOPHER VIALE

    VICE PRESIDENT AND CO-CHAIR

    Total calculated
    $0
    Hours/week
    7.5

  • JUDITH SORENSEN

    CO-CHAIR

    Total calculated
    $0
    Hours/week
    2

  • PHIL HEINEMANN

    TREASURER; TRUSTEE UNTIL MAY

    Total calculated
    $0
    Hours/week
    5

  • RUSSELL GRAVES

    SECRETARY

    Total calculated
    $0
    Hours/week
    2

  • ROBB CZYZEWSKI

    TRUSTEE

    Total calculated
    $0
    Hours/week
    2

  • GARY HERMAN

    TRUSTEE

    Total calculated
    $0
    Hours/week
    2

  • SAM HOHMAN

    TRUSTEE UNTIL MAY

    Total calculated
    $0
    Hours/week
    2

  • RICK MUNSTER

    TRUSTEE

    Total calculated
    $0
    Hours/week
    7.5

  • LORETTA RONEY

    TRUSTEE AS OF MAY

    Total calculated
    $0
    Hours/week
    2

  • MANUEL SALAZAR

    TRUSTEE AS OF MAY

    Total calculated
    $0
    Hours/week
    2

  • LORI POLLACK

    EXECUTIVE DIRECTOR

    Total calculated
    $127,363
    From this org
    $112,000
    From related orgs
    $0
    Other
    $15,363
    Hours/week
    40

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.

Grants on this return

No itemized grants to organizations on this return.

Provenance

Return type
form_990
Tax year
2025
Filed
22 July 2026
IRS schema version
2025v4.2
Source object
202612039349300966

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