CONSUMER DEBT COUNSELORS INC

As filed

Subsection

03

NTEE code

P51

Classification

1000

Street

831 W MORSE BLVD

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2024

• CONSUMER DEBT COUNSELORS PROVIDES FINANCIAL COUNSELING AND EDUCATION AND PROMOTES FINANCIAL WELLNESS TO UNDERSERVED AMERICAN FAMILIES. THE ORGANIZATION IS A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING (NFCC), IS AN ACCREDITED MEMBER OF THE BETTER BUSINESS BUREAU WITH AN A+ RATING, AND HAS AN ISO 9001 CERTIFIED QUALITY MANAGEMENT SYSTEM. CLIENTS WHO BOOK AN APPOINTMENT WITH A CERTIFIED CREDIT COUNSELOR COMPLETE A DETAILED FINANCIAL REVIEW. THEY WORK WITH THEIR COUNSELOR TO DEFINE THEIR FINANCIAL GOALS, ESTABLISH A BUDGET, AND CREATE AN ACTION PLAN TO ACHIEVE THEM. ALL FINANCIAL COUNSELING IS PROVIDED AT NO COST TO OUR CLIENTELE. GENEROUS GRANTS FROM COMMUNITY PARTNERS SUPPLY FUNDING. SOME CLIENTS WHO UNDERGO FINANCIAL COUNSELING MAY ENROLL IN A DEBT MANAGEMENT PROGRAM (DMP), WHICH ALLOWS CREDITORS TO RECOVER TOTAL OUTSTANDING BALANCES WHILE NEGOTIATING CONCESSIONS LIKE LOWER INTEREST RATES TO ENSURE CLIENTS CAN REPAY THEIR DEBTS WITHOUT ADDITIONAL FINANCIAL DIFFICULTIES. DURING THE 2025 FISCAL YEAR, CONSUMER DEBT COUNSELORS CONDUCTED 3155 FINANCIAL COUNSELING SESSIONS IN PERSON, ONLINE, AND OVER THE TELEPHONE. IN THE SAME PERIOD, 963 CLIENTS STARTED A NEW DMP, AND 339 CLIENTS SUCCESSFULLY COMPLETED A DMP.

  Expenses $1,144,799 · Revenue $1,159,406

• SINCE 2012, CONSUMER DEBT COUNSELORS HAS MET THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT'S (HUD) STRICT REQUIREMENTS TO BE A HUD-CERTIFIED HOUSING COUNSELING AGENCY. OUR HOUSING COUNSELORS WORK WITH UNDERSERVED COMMUNITIES TO OVERCOME HOUSING CHALLENGES IN MULTIPLE AREAS, INCLUDING FAIR HOUSING, HOMELESSNESS, RENTAL HOUSING, HOMEOWNERSHIP, MORTGAGE MODIFICATION, AND FORECLOSURE ASSISTANCE AND EDUCATION. ALL HOUSING COUNSELING SERVICES ARE PROVIDED AT NO COST TO CLIENTS. FUNDING FOR HOUSING PROGRAMS COMES FROM VARIOUS SOURCES, INCLUDING THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD), COMMUNITY PARTNERSHIPS, AND STATE AND LOCAL GOVERNMENTS. SOME HOUSING CLIENTS ENGAGE THE ORGANIZATION VIA WORKSHOPS. CONSUMER DEBT COUNSELORS REGULARLY HOLD SEMINARS ON BOTH PRE-PURCHASE AND POST-PURCHASE HOMEOWNERSHIP EDUCATION. DURING THE 2025 FISCAL YEAR, THE ORGANIZATION HELD 12 WORKSHOPS. OTHER HOUSING CLIENTS ENGAGE IN ONE-ON-ONE COUNSELING. DURING THE 2025 FISCAL YEAR, CONSUMER DEBT COUNSELORS PROVIDED ONE-ON-ONE HOUSING COUNSELING TO 587 CLIENTS. OVERALL, INCLUDING BOTH WORKSHOPS AND ONE-ON-ONE COUNSELING, CONSUMER DEBT COUNSELORS IMPROVED THE FINANCIAL CAPABILITIES AND SKILLS OF 696 CLIENTS, REFERRED 399 CLIENTS TO ADDITIONAL HOUSING SERVICES, REFERRED 5 CLIENTS TO OTHER SOCIAL SERVICES, COMPLETED 43 HOMELESS OR RENTAL COUNSELING SESSIONS, AND DELIVERED 39 PRE-PURCHASE COUNSELING SESSIONS THAT RESULTED IN THE PURCHASE OF A HOME.

  Expenses $256,072 · Revenue $259,340

• CONSUMER DEBT COUNSELORS SEEKS TO BE A TRUSTED AND RESPECTED VOICE FOR CONSUMER FINANCIAL EDUCATION AND PROBLEM RESOLUTION IN OUR COMMUNITIES. ONE OF OUR PRIMARY FOCUS AREAS IS COMMUNITY OUTREACH. SINCE 2015, CONSUMER DEBT COUNSELORS HAS BEEN A PROUD SPONSOR OF JEWISH FAMILY SERVICES OF GREATER ORLANDO'S (JFS ORLANDO) FAMILY STABILIZATION PROGRAM (FSP). THE FSP IS A PREVENTATIVE, SIX-MONTH CASE MANAGEMENT PROGRAM DESIGNED TO HELP FAMILIES OBTAIN SELF-SUFFICIENCY BY TEACHING THEM CRITICAL SKILLS AND TOOLS TO RESOLVE CRISES AND AVOID FUTURE HARDSHIPS WHILE ACHIEVING LONG-TERM STABILITY. THE PROGRAM'S PRIMARY OBJECTIVES ARE TO IMPROVE FINANCIAL MANAGEMENT SKILLS, EMPLOYABILITY, FAMILY STABILITY, AND MENTAL HEALTH AND TO MAINTAIN OR IMPROVE HOUSING. THIS IS ACCOMPLISHED BY PROVIDING CLIENTS WITH VARIOUS SUPPORTIVE SERVICES AT NO COST TO PARTICIPANTS. CONSUMER DEBT COUNSELORS PROVIDES WORKSHOPS ON CRISIS BUDGETING, REBUILDING CREDIT, SAVING, AND BASIC MONEY MANAGEMENT FOR EACH COHORT. ADDITIONALLY, THE ORGANIZATION PROVIDES ONGOING ONE-ON-ONE FINANCIAL COUNSELING FOR ALL PROGRAM PARTICIPANTS. DURING THE 2025 FISCAL YEAR, 40 HOUSEHOLDS PARTICIPATED IN JFS ORLANDO'S FSP. EACH OF THESE HOUSEHOLDS COMPLETED WORKSHOPS AND FINANCIAL COUNSELING SESSIONS.

  Expenses $105,442 · Revenue $106,788

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

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. Earlier years are each on their own filing page.

Filings

• 2024

  Revenue

  $1,701,867

  Expenses

  $1,599,812

  Contributions

  $176,333

  Grants paid

  $0

• 2023

  Revenue

  $1,507,716

  Expenses

  $1,503,570

  Contributions

  $277,198

  Grants paid

  $0

• 2022

  Revenue

  $1,468,794

  Expenses

  $1,473,129

  Contributions

  $123,200

  Grants paid

  $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

• 2021 · 990

  Revenue

  $1,408,358

  Expenses

  $1,429,193

  Assets (EOY)

  $1,784,736

• 2020 · 990

  Revenue

  $1,793,369

  Expenses

  $1,423,208

  Assets (EOY)

  $1,532,219

• 2019 · 990

  Revenue

  $1,526,327

  Expenses

  $1,389,732

  Assets (EOY)

  $1,380,049

• 2018 · 990

  Revenue

  $1,388,888

  Expenses

  $1,358,527

  Assets (EOY)

  $1,309,258

• 2017 · 990

  Revenue

  $1,432,416

  Expenses

  $1,361,010

  Assets (EOY)

  $1,302,093

• 2016 · 990

  Revenue

  $1,334,545

  Expenses

  $1,448,402

  Assets (EOY)

  $1,352,147

• 2015 · 990

  Revenue

  $1,571,438

  Expenses

  $1,495,774

  Assets (EOY)

  $1,229,120

• 2014 · 990

  Revenue

  $1,470,275

  Expenses

  $1,568,185

  Assets (EOY)

  $1,119,464

• 2012 · 990

  Revenue

  — not reported

  Expenses

  $1,548,186

  Assets (EOY)

  $971,183

• 2011 · 990

  Revenue

  — not reported

  Expenses

  $1,392,615

  Assets (EOY)

  $965,974

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

• CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC

  $295,078

  2022 · COMPREHENSIVE HOUSING/HOUSING STABILITY

• CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC

  $193,920

  2023 · COMPREHENSIVE HOUSING/HOUSING STABILITY

• NATIONAL FOUNDATION FOR CREDIT COUNSELING INC

  $106,784

  2023 · SUPPORT FOR HOUSING, CREDIT AND OTHER FINANCIAL COUNSELING

• NATIONAL FOUNDATION FOR CREDIT COUNSELING INC

  $63,088

  2022 · SUPPORT FOR HOUSING, CREDIT AND OTHER FINANCIAL COUNSELING

• NATIONAL FOUNDATION FOR CREDIT COUNSELING INC

  $23,842

  2024 · SUPPORT FOR HOUSING, CREDIT AND OTHER FINANCIAL COUNSELING

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