2014-08-08T11:24:45-05:00 2013-12-31 521853933 RIBIS JONES & MARESCA PA 10500 LITTLE PATUXENT PKWY SUITE 770 COLUMBIA MD 21044 990 2013-01-01 330770440 INCHARGE DEBT SOLUTIONS INCH 4072917770 5750 MAJOR BLVD NO 300 ORLANDO FL 32819 ETTA W MONEY PRESIDENT & CEO 4072917770 2014-08-07 1 DAVID JONES P01361002 4108840220 2013 2015-11-30 17:44:51Z ETTA W MONEY 5750 MAJOR BLVD STE 300 ORLANDO FL 32819 16948781 0 X WWW.INCHARGE.ORG X 1997 NV INCHARGE DEBT SOLUTIONS (IDS) PROVIDES CREDIT, BANKRUPTCY AND HOUSING COUNSELING SERVICES TO THE GENERAL PUBLIC. THESE SERVICES INCLUDE EDUCATIONAL MATERIALS AND RESOURCES, SOLUTIONS-BASED COUNSELING, CLIENT DEBT MANAGEMENT PROGRAMS, BANKRUPTCY CREDIT COUNSELING AND PRE-DISCHARGE DEBTOR EDUCATION SERVICES, FORECLOSURE PREVENTION, HOMEBUYER EDUCATION, AND OTHER FINANCIAL LITERACY ACTIVITIES FOR THE BENEFIT OF THE GENERAL PUBLIC. 9 8 156 0 0 0 7691064 7156163 12916180 9732611 34558 25513 0 34494 20641802 16948781 0 52834 0 0 6949759 6362253 0 0 37079 13361408 10395683 20311167 16810770 330635 138011 7834987 8118399 2361971 2523961 5473016 5594438 X INCHARGE DEBT SOLUTIONS PROVIDES CREDIT, BANKRUPTCY AND HOUSING COUNSELING SERVICES TO THE GENERAL PUBLIC. THESE SERVICES INCLUDE EDUCATIONAL MATERIALS AND RESOURCES, SOLUTIONS-BASED COUNSELING, CLIENT DEBT MANAGEMENT PROGRAMS, BANKRUPTCY CREDIT COUNSELING AND PRE-DISCHARGE DEBTOR EDUCATION SERVICES, FORECLOSURE PREVENTION, HOMEBUYER EDUCATION, AND OTHER FINANCIAL LITERACY ACTIVITIES FOR THE BENEFIT OF THE GENERAL PUBLIC. 0 0 9083742 44510 CREDIT COUNSELING AND EDUCATION - THIS PROGRAM ASSISTS CONSUMERS IN MANAGING THEIR PERSONAL FINANCES THROUGH THE PROVISION OF SOLUTIONS-BASED CREDIT COUNSELING, BUDGET PLANNING AND FINANCIAL EDUCATIONAL MATERIALS. SOLUTIONS-BASED COUNSELING IS DESIGNED TO FIND THE RIGHT SOLUTION FOR EACH DEBT DISTRESSED CONSUMER. OVER 45,000 FINANCIALLY DISTRESSED INDIVIDUALS RECEIVED CREDIT COUNSELING AND FINANCIAL EDUCATIONAL MATERIALS DURING 2013. FINANCIAL EDUCATIONAL MATERIALS ASSIST CONSUMERS IN ACQUIRING AND IMPROVING MONEY MANAGEMENT SKILLS AND MANAGING CREDIT. CREDIT COUNSELING SERVICES ARE OFFERED IN PERSON FOR INDIVIDUALS RESIDING IN THE CENTRAL FLORIDA AREA, AND NATIONALLY OVER THE TELEPHONE AND THROUGH THE INTERNET. 3373596 8324 7685511 DEBT MANAGEMENT - IDS OFFERS DEBT MANAGEMENT PROGRAMS TO ASSIST CONSUMERS IN PAYING OFF THEIR UNSECURED DEBTS AND TO BETTER MANAGE THEIR FINANCIAL OBLIGATIONS IN THE FUTURE. IDS PROCESSES DEBT PAYMENTS, ATTEMPTS TO SECURE A REDUCTION IN INTEREST RATES, AND ATTEMPTS TO ESTABLISH AFFORDABLE MONTHLY PAYMENTS ON THE CLIENTS' BEHALF. CLIENTS ARE PROVIDED INITIAL AND CONTINUING EDUCATIONAL ASSISTANCE THROUGH FINANCIAL EDUCATIONAL MATERIALS AND GUIDANCE IN FINANCIAL MATTERS AS DETERMINED BY THE CLIENT'S NEEDS. 2122459 1614402 BANKRUPTCY COUNSELING AND DEBTOR EDUCATION - BANKRUPTCY LEGISLATION ENACTED BY CONGRESS IN 2005 REQUIRES INDIVIDUALS FILING FOR BANKRUPTCY TO COMPLETE A BANKRUPTCY CREDIT COUNSELING SESSION PRIOR TO FILING, AND AN INSTRUCTIONAL COURSE IN PERSONAL FINANCIAL MANAGEMENT (DEBTOR EDUCATION) PRIOR TO RECEIVING A BANKRUPTCY DISCHARGE. TO OFFER CONVENIENT, ON-DEMAND ACCESS TO THIS REQUIRED CONTENT, IDS PROVIDES INTERACTIVE WEB-BASED AND TELEPHONIC BANKRUPTCY CREDIT COUNSELING AND DEBTOR EDUCATION PROGRAMS. BOTH PROGRAMS ISSUE CERTIFICATES TO INDIVIDUALS WHO COMPLETE EACH PROGRAM AS REQUIRED BY THE TITLE 11 BANKRUPTCY CODE. DURING 2013, OVER 71,000 CERTIFICATES WERE ISSUED TO BANKRUPTCY PETITIONERS EVIDENCING THEIR SUCCESSFUL COMPLETION OF THE BANKRUPTCY CREDIT COUNSELING SESSION AND THE PERSONAL FINANCIAL MANAGEMENT COURSE. 951538 432698 HOUSING COUNSELING AND EDUCATION - IDS IS A LOCAL U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT ("HUD") APPROVED AGENCY IN THE STATE OF FLORIDA AND A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING ("NFCC") WHICH ENABLES IDS TO SERVE CONSUMERS ON A NATIONWIDE BASIS. HOUSING COUNSELING SERVICES INCLUDE FORECLOSURE PREVENTION AND MORTGAGE DELINQUENCY COUNSELING, HOMEBUYER EDUCATION AND PRE-PURCHASE HOMEBUYER COUNSELING. FORECLOSURE PREVENTION AND MORTGAGE DELINQUENCY COUNSELING IS DESIGNED TO PROVIDE EXISTING BORROWERS WITH INFORMATION AND ASSISTANCE NEEDED TO AVOID FORECLOSURE. PROGRAM HIGHLIGHTS INCLUDE BUDGET PLANNING, EVALUATION OF ELIGIBILITY FOR LOAN MODIFICATION, ASSESSMENT OF ABILITY TO SUSTAIN A HOME AND ALTERNATIVE HOUSING OPTIONS. HOMEBUYER EDUCATION IS DESIGNED TO BETTER PREPARE POTENTIAL HOMEOWNERS FOR HOMEOWNERSHIP. PARTICIPANTS EXAMINE THEIR HOUSING NEEDS, ANALYZE THEIR FINANCIAL SITUATION AND LEARN STRATEGIES TO IMPROVE FINANCIAL MANAGEMENT IN AN EFFORT TO BETTER PREPARE FOR HOMEOWNERSHIP. PARTICIPANTS ALSO LEARN HOW TO SHOP FOR A HOME, OBTAIN A MORTGAGE AND PREPARE FOR LIFE AS A HOMEOWNER. PRE-PURCHASE HOMEBUYER COUNSELING, A PERSONAL ONE-ON-ONE SESSION, IS OFFERED TO PROVIDE EDUCATION AND TIPS TO ASSIST POTENTIAL HOMEBUYERS IN IMPROVING FINANCIAL MANAGEMENT SKILLS AND UNDERSTANDING ALTERNATIVE SOURCES OF FUNDING AND MORTGAGE OPTIONS. DURING 2013, OVER 8,600 HOUSING COUNSELING SESSIONS WERE CONDUCTED. 951538 432698 15531335 1 1 0 0 0 0 0 0 1 0 1 0 0 1 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 1 0 0 0 0 0 0 0 1 0 0 0 1 38 0 1 156 1 0 0 0 0 0 0 0 0 0 0 X 9 8 0 0 0 0 0 0 0 1 1 0 0 0 1 1 1 1 1 1 1 0 AZ CA IL MA MD NJ OR SC X X INCHARGE DEBT SOLUTIONS 4072917770 5750 MAJOR BLVD SUITE 300 ORLANDO FL 32819 LONNIE RITZER TRUSTEE 1.00 2.00 X 207 413 0 VERONICA WHITELAW TRUSTEE 2.00 X 620 0 0 KRISTEN SOLES TRUSTEE 2.00 X 0 0 0 MAXINE SWEET TRUSTEE 2.00 X 1047 0 0 PATRICIA WEXLER TRUSTEE 2.00 X 620 0 0 RICHARD ANDERSON TRUSTEE 1.00 2.00 X 8540 17080 0 PETER KENNEDY TRUSTEE 2.00 X 620 0 0 DR JOSEPH CHAVEZ TRUSTEE 2.00 X 383 0 0 FLORENCE WATFORD TRUSTEE 2.00 X 620 0 0 ROBERT RUIZ TRUSTEE 2.00 X 620 0 0 DARA DUGUAY TRUSTEE 2.00 X 620 0 0 WILLIAM MALSEED TREASURER 41.00 4.00 X 152856 16984 23556 JODI MCGREGOR SECRETARY 41.00 4.00 X 182978 20330 29989 ETTA W MONEY PRESIDENT & CEO 49.00 1.00 X 257932 7977 48208 SORAIA DEARAUJO V.P. OF OPERATIONS 45.00 X 186283 0 24737 CHRIS HENNINGSEN V.P. OF CONSUMER AWARENESS 45.00 X 165195 0 8444 ROBERT DARROCH SOFTWARE ENGINEER 45.00 X 111523 0 6130 FLORRIE YEE SENIOR DIRECTOR OF IT 40.00 5.00 X 129740 14416 8131 JAMES BOND MANAGER, SOFTWARE ENGINEER 45.00 X 110388 0 6464 1310792 77200 155659 8 0 1 0 GOOGLE 13169 COLLECTION CENTER DRIVE CHICAGO IL 60693 PUBLIC SERVICE ANNOUNCEMENT 3507957 YAHOO PO BOX 13683 NEWARK NJ 07188 PUBLIC SERVICE ANNOUNCEMENT 463000 DIANE MEILLER & ASSOCIATES 255 S ORANGE AVE SUITE 1510 ORLANDO FL 32801 IT SUPPORT 248618 EQUIFAX AUTHENTICATION SERVICES PO BOX 4472 ATLANTA GA 30302 CREDIT BUREAU SERVICES 121099 BROWN & BROWN 2600 LAKE LUCIEN DRIVE STE 330 MAITLAND FL 32751 INSURANCE 118845 8 7156163 7156163 CLIENT PROCESSING FEES 900099 7685511 7685511 BANKRUPTCY COUNSELING AND DEBTOR 900099 1614402 1614402 HOUSING COUNSELING FEES 900099 432698 432698 9732611 25513 25513 OTHER INCOME 900099 34494 34494 34494 16948781 9732611 0 60007 52834 52834 959761 870621 86758 2382 4222958 3886804 327172 8982 57060 52378 4557 125 709683 651445 56682 1556 412791 378919 32967 905 37208 34155 3053 220153 202088 17501 564 6574 6034 525 15 223416 205083 17844 489 468800 430331 37440 1029 48702 44706 3889 107 328422 301471 26231 720 1606 1473 129 4 PUBLIC AWARENESS 4582742 4206683 366011 10048 OVERHEAD SUPPORT 2930510 2690032 234052 6426 EDUCATIONAL SERVICES & 1247176 1244205 2971 STATE LICENSING & PERMI 162353 149030 12967 356 138021 123043 14578 400 16810770 15531335 1242356 37079 2251776 1444710 149076 154240 87393 476650 1208 2518 216259 360825 8744634 7098568 2667 1646066 3836896 2024091 1289712 2009299 7834987 8118399 1075126 414662 100000 1226575 1033571 60270 975728 2361971 2523961 X 5084381 5388129 388635 206309 5473016 5594438 7834987 8118399 X 138011 -16455 -134 X X 0 1 X 1 0 X 10740515 9403431 8176967 7691064 7156163 43168140 10740515 9403431 8176967 7691064 7156163 43168140 26703834 16464306 230979 80544 34416 35493 25513 406945 34494 34494 43609579 60515416 0.37750 0.38520 X SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME: REBATE ON CARD PURCHASES - 2013 AMOUNT: $ 34,494. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 8744634 7098568 1646066 1646066 RESTRICTED CASH 1033571 DEFERRED COMPENSATION 975728 2009299 DEFERRED COMPENSATION 975728 975728 X 16948781 0 16948781 0 16948781 16810770 0 16810770 0 16810770 PART IV, LINE 2B: FUNDS RECEIVED FROM CLIENTS PARTICIPATING IN THE DEBT MANAGEMENT PROGRAM ARE HELD IN VARIOUS SEPARATE FBO BANK ACCOUNTS UNTIL THEY ARE DISTRIBUTED TO CREDITORS AND CONTRIBUTIONS AND FEES ARE DISBURSED TO IDS. CERTAIN STATES REQUIRE THAT CASH ACCOUNTS BE HELD IN THE SAME STATE THAT FUNDS ARE RECEIVED. ALL RESTRICTED CASH ACCOUNTS ARE NOT AVAILABLE FOR IDS' OPERATING EXPENSES OR CREDITORS OF IDS. PART X, LINE 2: IDS BELIEVES THAT IT HAS APPROPRIATE SUPPORT FOR ANY TAX POSITIONS TAKEN, AND AS SUCH, DOES NOT HAVE ANY UNCERTAIN TAX POSITIONS THAT ARE MATERIAL TO THE FINANCIAL STATEMENTS. 1 INCHARGE EDUCATION FOUNDATION INC 5750 MAJOR BLVD SUITE 310 ORLANDO FL 32819 200152720 501(C)(3) 44510 BOOK TO CONDUCT FINANCIAL EDUCATIONAL OUTREACH FOR THE PURPOSE OF EDUCATING CONSUMERS ON MONEY MANAGEMENT TOPICS. 1 0 PART I, LINE 2: INCHARGE DEBT SOLUTIONS MONITORS RECIPIENT USAGE OF ASSISTANCE PROVIDED THROUGH REPORTING OF DETAILS ON WORKSHOPS HELD AND PERIODIC REVIEW OF RADIO BROADCASTS AIRED. X X X X X 0 1 0 0 0 0 0 0 0 WILLIAM MALSEED TREASURER 130203 14467 5041 560 17612 1957 19526 2170 1674 186 174056 19340 0 0 JODI MCGREGOR SECRETARY 161032 17892 0 0 21946 2438 25046 2783 1944 216 209968 23329 0 0 ETTA W MONEY PRESIDENT & CEO 215563 6667 13650 422 28719 888 45758 1415 1004 31 304694 9423 0 0 SORAIA DEARAUJO V.P. OF OPERATIONS 155695 0 9032 0 21556 0 23777 0 960 0 211020 0 0 0 CHRIS HENNINGSEN V.P. OF CONSUMER AWARENESS 147595 0 11600 0 6000 0 7484 0 960 0 173639 0 0 0 FLORRIE YEE SENIOR DIRECTOR OF IT 129740 14416 0 0 0 0 6454 717 864 96 137058 15229 0 0 PART I, LINE 4B NON-QUALIFIED DEFERRED COMPENSATION PLANS EXIST FOR CERTAIN KEY EXECUTIVES. UNDER THE DEFERRED COMPENSATION PLANS, A PORTION OF THE PARTICIPATING EXECUTIVES' COMPENSATION IS DEFERRED. THE DEFERRED COMPENSATION BALANCE IS PAYABLE UPON 100% VESTING IN THE PLAN OR SEPARATION FROM SERVICE. THE DEFERRED COMPENSATION HAS BEEN INVESTED IN ANNUITY POLICIES AND OTHER PARTICIPANT DIRECTED INVESTMENT OPTIONS. RICHARD F ANDERSON BOARD TRUSTEE 25620 CONSULTING SERVICES ON LEGISLATIVE MATTERS 0 FORM 990, PART VI, SECTION B, LINE 11 THE TREASURER, AUDIT COMMITTEE, AND THE PRESIDENT & CEO OF INCHARGE DEBT SOLUTIONS REVIEW AND APPROVE THE FORM 990 PRIOR TO ITS FILING. FORM 990, PART VI, SECTION B, LINE 12C OFFICERS, DIRECTORS, TRUSTEES AND KEY EMPLOYEES ARE REQUIRED TO DISCLOSE ANY POTENTIAL CONFLICTS OF INTEREST ON A CONFLICT OF INTEREST FORM THAT IS COMPLETED ANNUALLY. POTENTIAL CONFLICTS ARE TO BE REPORTED TO THE ORGANIZATION AS SOON AS KNOWN. FOLLOW UP IS PERFORMED TO ENSURE ALL CONFLICT OF INTEREST FORMS ARE RECEIVED. FORM 990, PART VI, SECTION B, LINE 15 THE ORGANIZATION HAS A SEPARATE BOARD APPOINTED COMPENSATION COMMITTEE THAT DETERMINES THE SALARY OF THE OFFICERS ON AN ANNUAL BASIS. SALARY COMPARABILITY DATA AND PERFORMANCE IS REVIEWED FOR OFFICERS ANNUALLY. ON A REGULAR BASIS, AN INDEPENDENT COMPENSATION CONSULTANT MAY BE USED TO PERFORM A COMPENSATION SURVEY OR STUDY. KEY EMPLOYEES MAY RECEIVE INCREASES AND ARE ELIGIBLE FOR INCREASES BASED ON PERFORMANCE. PERIODICALLY, KEY EMPLOYEES' SALARIES ARE COMPARED TO MARKET DATA. THE LAST COMPENSATION REVIEW WAS CONDUCTED IN JANUARY - FEBRUARY 2014. FORM 990, PART VI, SECTION C, LINE 18 THE ORGANIZATION MAKES ITS FORM 1023 AND FORM 990 AVAILABLE TO THE PUBLIC UPON REQUEST. THE ORGANIZATION'S FORM 990 IS ALSO AVAILABLE ON GUIDESTAR.ORG. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION PROVIDES COPIES OF ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AS VALID REQUESTS ARE RECEIVED. FORM 990, PART XI, LINE 9: LOSS ON DISPOSAL OF FIXED ASSETS -134. FORM 990, PART XII, LINE 2C: THE ORGANIZATION'S AUDIT COMMITTEE IS RESPONSIBLE FOR SELECTING AN INDEPENDENT ACCOUNTANT AND OVERSEEING THE AUDIT OF ITS FINANCIAL STATEMENTS ON AN ANNUAL BASIS. THE PROCESS HAS NOT CHANGED DURING THE TAX YEAR. INCHARGE INSTITUTE OF AMERICA INC 5750 MAJOR BLVD SUITE 320 ORLANDO FL 32819 522196183 GENERAL AND ADMINISTRATIVE SUPPORT SERVICES DE 501(C)(3) LINE 11C, III-FI N/A 0 INCHARGE EDUCATION FOUNDATION INC 5750 MAJOR BLVD SUITE 310 ORLANDO FL 32819 200152720 DEVELOP FINANCIAL EDUCATIONAL MATERIALS AND RESOURCES DE 501(C)(3) LINE 11B, II INCHARGE INSTITUTE OF AMERICA INC 1 0 0 0 0 0 0 0 1 0 0 0 0 1 1 1 1 1 1 1