AMERICAN CREDIT COUNSELORS: Form 990, tax year 2012

View the entire original 990 at ProPublica ↗

Organization: AMERICAN CREDIT COUNSELORS (EIN 65-0942766)
Tax period: 2012-01-01 to 2012-12-31
Filed: 2013-08-15
IRS object ID: 201302279349303550
Schema version: 2012v2.1
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule A
Schedule B
Schedule D
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2013-08-15T14:14:28-05:00	Timestamp
Tax Period End Date	2012-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	BRIELE & ECHEVERRIA PA	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	5001 SW 74TH CT STE 202	AddressLine1
City	MIAMI	City
State	FL	State
ZIP Code	331554453	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2012-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	650942766	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	AMERICAN CREDIT COUNSELORS	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	AMER	NameControl
Phone	5618861150	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	23123 STATE ROAD 7	AddressLine1
Address Line2	ROOM/SUITE 215	AddressLine2
City	BOCA RATON	City
State	FL	State
ZIP Code	33428	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	MARIO BICK	Name
Title	SECRETARY	Title
Phone	5618861150	Phone
Date Signed	2013-06-01	DateSigned

Preparer Preparer

Field	Value	IRS element (for citing)
Name	AIDA BRIELE	Name
Phone	3054435768	Phone
Date Prepared	2013-07-03	DatePrepared

Field	Value	IRS element (for citing)
Tax Year	2012	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Gross Receipts	3827920	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Organization501c3	X	Organization501c3
Web Site	ACCHELP.ORG	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1999	YearFormation
State Legal Domicile	FL	StateLegalDomicile
Activity Or Mission Description	PRIMARY PURPOSE OF THE ORGANIZATION IS TO PROVIDE COUNSELING AND EDUCATION OF CONSUMERS WITH REGARD TO CREDIT AND DEBT.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	3	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	3	NbrIndependentVotingMembers
Total Nbr Employees	33	TotalNbrEmployees
Total Gross UBI	0	TotalGrossUBI
Contributions Grants Prior Year	3223343	ContributionsGrantsPriorYear
Contributions Grants Current Year	1999082	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	3323284	ProgramServiceRevenuePriorYear
Program Service Revenue CY	1828590	ProgramServiceRevenueCY
Investment Income Current Year	248	InvestmentIncomeCurrentYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	6546627	TotalRevenuePriorYear
Total Revenue Current Year	3827920	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	1072075	SalariesEtcPriorYear
Salaries Etc Current Year	973270	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	5222537	OtherExpensePriorYear
Other Expenses Current Year	2834372	OtherExpensesCurrentYear
Total Expenses Prior Year	6294612	TotalExpensesPriorYear
Total Expenses Current Year	3807642	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	252015	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	20278	RevenuesLessExpensesCY
Total Assets BOY	4717675	TotalAssetsBOY
Total Assets EOY	3904512	TotalAssetsEOY
Total Liabilities BOY	1643768	TotalLiabilitiesBOY
Total Liabilities EOY	810326	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	3073907	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	3094186	NetAssetsOrFundBalancesEOY
Info In Schedule O Part III	X	InfoInScheduleOPartIII
Mission Description	PRIMARY PURPOSE OF THE ORGANIZATION IS TO PROVIDE COUNSELING AND EDUCATION OF CONSUMERS WITH REGARD TO CREDIT AND DEBT.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Expense	2676761	Expense
Description	PROVIDED CREDIT COUNSELING SERVICES IN VARIOUS COMMUNITIES IN THE U.S. IN 2012 THE COMPANY COUNSELED OVER 20,000 INDIVIDUALS. CERTIFIED CREDIT COUNSELORS INTERVIEWED CALLERS ABOUT THEIR BUDGET AND FINANCES, DISCUSSING TOPICS INCLUDING EMPLOYMENT, EDUCATION, BUYING HABITS, MAJOR EXPENDITURES, AND ANY SIGNIFICANT PAST OR ANTICIPATED CHANGES IN EARNINGS, ASSETS, EXPENSES, AND LIABILITIES, INCLUDING THE REASON OR CAUSE FOR THOSE CHANGES. BASED ON THIS INFORMATION, COUNSELORS DEVELOP AND PRESENT A NUMBER OF OPTIONS AND STRATEGIES FOR ADDRESSING THE CONSUMER'S INDIVIDUAL CONCERNS. CONTINUED ON SCHEDULE O	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Expense	968831	Expense
Description	THE COMPANY CONDUCTED COMPREHENSIVE BUDGET PLANNING AND CREDIT AWARENESS PROGRAMS. IT DISTRIBUTED A HANDBOOK CALLED "KNOWING AND UNDERSTANDING YOUR CREDIT." THE HANDBOOK WAS MADE AVAILABLE TO ANY CONSUMER FOR FREE. THE COMPANY'S EDUCATIONAL STAFF PRESENTED 20 "SMART MONEY" WORKSHOPS FOR OVER 650 ATTENDEES COVERING TOPICS SUCH AS HOW TO PROTECT AND IMPROVE CREDIT STANDING, BUDGETING, MANAGING PERSONAL FINANCES, AND MANAGING DEBT. IN ADDITION, OVER 200,000 EDUCATIONAL NEWSLETTERS, "THE ACC ADVISOR", WERE DISTRIBUTED VIA EMAIL TO SUBSCRIBERS COVERING A WIDE RANGE OF PERSONAL FINANCE TOPICS PROVIDING INFORMATION AND EDUCATION TO IMPROVE THE FINANCIAL LITERACY OF READERS.	Description

Field	Value	IRS element (for citing)
Total Program Service Expense	3645592	TotalProgramServiceExpense
Described In501 C3	true	DescribedIn501C3
Schedule B Required	true	ScheduleBRequired
Political Activities	false	PoliticalActivities
Lobbying Activities	false	LobbyingActivities
Subject To Proxy Tax	false	SubjectToProxyTax
Donor Advised Funds	false	DonorAdvisedFunds
Conservation Easements	false	ConservationEasements
Collections Of Art	false	CollectionsOfArt
Credit Counseling	true	CreditCounseling
Term Or Permanent Endowments	false	TermOrPermanentEndowments
Report Land Bldg Equip	false	ReportLandBldgEquip
Report Invest Oth Securities	false	ReportInvestOthSecurities
Report Prog Rel Invest	false	ReportProgRelInvest
Report Other Assets	true	ReportOtherAssets
Report Other Liabilities	true	ReportOtherLiabilities
Report Fin48 Footnote	false	ReportFin48Footnote
Independent Audit Financial Stmt	true	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	false	ConsolidatedAuditFinancialStmt
School	false	School
Foreign Office	false	ForeignOffice
Foreign Activities	false	ForeignActivities
More Than5000 K To Organizations	false	MoreThan5000KToOrganizations
More Than5000 K To Individuals	false	MoreThan5000KToIndividuals
Professional Fundraising	false	ProfessionalFundraising
Fundraising Activities	false	FundraisingActivities
Gaming	false	Gaming
Hospital	false	Hospital
Grants To Organizations	false	GrantsToOrganizations
Grants To Individuals	false	GrantsToIndividuals
Schedule J Required	false	ScheduleJRequired
Tax Exempt Bonds	false	TaxExemptBonds
Excess Benefit Transaction	false	ExcessBenefitTransaction
Prior Excess Benefit Transaction	false	PriorExcessBenefitTransaction
Loan To Officer Or DQP	false	LoanToOfficerOrDQP
Grant To Related Person	false	GrantToRelatedPerson
Bsnss Rltnshp With Organization	false	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	false	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	false	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	false	DeductibleNonCashContributions
Deductible Contributions Of Art	false	DeductibleContributionsOfArt
Terminated	false	Terminated
Partial Liquidation	false	PartialLiquidation
Disregarded Entity	false	DisregardedEntity
Related Entity	false	RelatedEntity
Related Org Controlled Entity	false	RelatedOrgControlledEntity
Transfers To Exempt Non Chrtbl Org	false	TransfersToExemptNonChrtblOrg
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	8	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Number Of Employees	33	NumberOfEmployees
Employment Tax Returns Filed	true	EmploymentTaxReturnsFiled
Unrelated Business Income	false	UnrelatedBusinessIncome
Foreign Financial Account	false	ForeignFinancialAccount
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTrans
Taxable Party Notification	false	TaxablePartyNotification
Non Deductible Contributions	false	NonDeductibleContributions
Indoor Tanning Services	false	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	3	NbrVotingGoverningBodyMembers
Number Independent Voting Members	3	NumberIndependentVotingMembers
Family Or Business Relationship	false	FamilyOrBusinessRelationship
Delegation Of Management Duties	true	DelegationOfManagementDuties
Changes To Organizing Docs	false	ChangesToOrganizingDocs
Material Diversion Or Misuse	false	MaterialDiversionOrMisuse
Members Or Stockholders	false	MembersOrStockholders
Election Of Board Members	false	ElectionOfBoardMembers
Decisions Subject To Approval	false	DecisionsSubjectToApproval
Minutes Of Governing Body	true	MinutesOfGoverningBody
Minutes Of Committees	true	MinutesOfCommittees
Officer Mailing Address	false	OfficerMailingAddress
Local Chapters	false	LocalChapters
Form990 Provided To Governing Body	false	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	false	ConflictOfInterestPolicy
Whistleblower Policy	false	WhistleblowerPolicy
Document Retention Policy	false	DocumentRetentionPolicy
Compensation Process CEO	false	CompensationProcessCEO
Compensation Process Other	false	CompensationProcessOther
Investment In Joint Venture	false	InvestmentInJointVenture
States Where Copy Of Return Is Filed	FL	StatesWhereCopyOfReturnIsFiled
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	IAN LAND	NamePerson
Telephone Number	9546464756	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	9300 SW 8TH STREET 301	AddressLine1
City	BOCA RATON	City
State	FL	State
ZIP Code	33428	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (3 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	OfficerOfficer	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation
MARIO BICK
DIR. & SECR	16.00	X	X	6000	0	0
STEVA KAIL
DIRECTOR	8.00	X		0	0	0
SHARON BLUM
DIR. & PRES	12.00	X	X	0	0	0

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	6000	TotalReportableCompFromOrg
Formers Listed	false	FormersListed
Total Comp GT150 K	false	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (2 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
BMV CORP
23123 SR 7 STE 215	BOCA RATON	FL	33428	MANAGEMENT SERV	2245463
VANCO
12600 WHITEWATER DRIVE	MINNETONKA	MN	55343	BANKING DISBURS	100285

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	2	NumberOfContractorsGT100K
All Other Contributions	1999082	AllOtherContributions
Total Contributions	1999082	TotalContributions

Program Service Revenue ProgramServiceRevenue

Field	Value	IRS element (for citing)
Description	CLIENT MANAGEMENT FEES	Description
Total Revenue Column	1828590	TotalRevenueColumn
Related Or Exempt Function Income	1828590	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Program Service Revenue	1828590	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	248	TotalRevenueColumn
Exclusion	$248	ExclusionAmount

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	3827920	TotalRevenueColumn
Related Or Exempt Function Income	1828590	RelatedOrExemptFunctionIncome
Exclusion	$248	ExclusionAmount

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	6000	Total
Management And General	6000	ManagementAndGeneral

Comp Disqual Persons CompDisqualPersons

Field	Value	IRS element (for citing)
Total	295603	Total
Program Services	280823	ProgramServices
Management And General	14780	ManagementAndGeneral

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	571802	Total
Program Services	543212	ProgramServices
Management And General	28590	ManagementAndGeneral

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	7064	Total
Program Services	6711	ProgramServices
Management And General	353	ManagementAndGeneral

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	18966	Total
Program Services	18018	ProgramServices
Management And General	948	ManagementAndGeneral

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	73835	Total
Program Services	70143	ProgramServices
Management And General	3692	ManagementAndGeneral

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	137354	Total
Program Services	137354	ProgramServices

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	158972	Total
Program Services	158972	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	50844	Total
Program Services	50844	ProgramServices

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	36200	Total
Program Services	35120	ProgramServices
Management And General	1080	ManagementAndGeneral

Advertising Advertising

Field	Value	IRS element (for citing)
Total	27350	Total
Program Services	27350	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	88935	Total
Program Services	76038	ProgramServices
Management And General	12897	ManagementAndGeneral

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	47799	Total
Program Services	47799	ProgramServices

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	109135	Total
Program Services	42671	ProgramServices
Management And General	66464	ManagementAndGeneral

Travel Travel

Field	Value	IRS element (for citing)
Total	20207	Total
Program Services	19779	ProgramServices
Management And General	428	ManagementAndGeneral

Insurance Insurance

Field	Value	IRS element (for citing)
Total	99944	Total
Program Services	74627	ProgramServices
Management And General	25317	ManagementAndGeneral

Other Expenses OtherExpenses (4 entries)

DescriptionDescription	TotalTotal	Program ServicesProgramServices
CUS OUTREACH, SUPPORT	752923	752923
FAIR SHARE EXPENSE	414090	414090
CUST OUTREACH, EDUCATION	405420	405420
CLIENT CUSTOMER SERVICE	206579	206579

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	278620	Total
Program Services	277119	ProgramServices
Management And General	1501	ManagementAndGeneral

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	3807642	Total
Program Services	3645592	ProgramServices
Management And General	162050	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	3473563	BOY
EOY	3108605	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	8027	BOY
EOY	4226	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	1236085	BOY
EOY	791681	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	4717675	BOY
EOY	3904512	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	412901	BOY
EOY	23863	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	1230867	BOY
EOY	786463	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	1643768	BOY
EOY	810326	EOY

Field	Value	IRS element (for citing)
Follow SFAS117	X	FollowSFAS117

Unrestricted Net Assets UnrestrictedNetAssets

Field	Value	IRS element (for citing)
BOY	3073907	BOY
EOY	3094186	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	3073907	BOY
EOY	3094186	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	4717675	BOY
EOY	3904512	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	20278	ReconcilationRevenueExpenses
Reconcilation Other Changes	1	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	true	FSAudited

FS Audited Basis FSAuditedBasis

Field	Value	IRS element (for citing)
Financial Statement Separate	X	FinancialStatementSeparate

Field	Value	IRS element (for citing)
Audit Committee	true	AuditCommittee
Federal Grant Audit Required	false	FederalGrantAuditRequired

Schedule A IRS990ScheduleA

Field	Value	IRS element (for citing)
Publicly Supported Org509a2	X	PubliclySupportedOrg509a2

Gifts Grants Contrib Received509 GiftsGrantsContribReceived509

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	2172190	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	3596576	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	4796712	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	3223343	CurrentTaxYearMinus1Year
Current Tax Year	1999330	CurrentTaxYear
Total	15788151	Total

Gross Receipts From Admissions GrossReceiptsFromAdmissions

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	5969584	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	6592362	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	4757639	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	3323284	CurrentTaxYearMinus1Year
Current Tax Year	1828590	CurrentTaxYear
Total	22471459	Total

Total509 Total509

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	8141774	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	10188938	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	9554351	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	6546627	CurrentTaxYearMinus1Year
Current Tax Year	3827920	CurrentTaxYear
Total	38259610	Total

Amts From Subst Contributors AmtsFromSubstContributors

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	401716	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	343373	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	3055683	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	1857637	CurrentTaxYearMinus1Year
Current Tax Year	1520624	CurrentTaxYear
Total	7179033	Total

Support From DQ Ps Etc SupportFromDQPsEtc

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	401716	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	343373	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	3055683	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	1857637	CurrentTaxYearMinus1Year
Current Tax Year	1520624	CurrentTaxYear
Total	7179033	Total

Field	Value	IRS element (for citing)
Public Support Total509	31080577	PublicSupportTotal509

Gross Investment Income509 GrossInvestmentIncome509

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	3615	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	2083	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	1092	CurrentTaxYearMinus2Years
Current Tax Year	248	CurrentTaxYear
Total	7038	Total

Investment Income And UBTI InvestmentIncomeAndUBTI

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	3615	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	2083	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	1092	CurrentTaxYearMinus2Years
Current Tax Year	248	CurrentTaxYear
Total	7038	Total

Total Support Total TotalSupportTotal

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	8145389	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	10191021	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	9555443	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	6546627	CurrentTaxYearMinus1Year
Current Tax Year	3828168	CurrentTaxYear
Total	38266648	Total

Field	Value	IRS element (for citing)
Public Support Percentage509	0.81220	PublicSupportPercentage509
Prior Year Support Percentage	0.83460	PriorYearSupportPercentage
Investment Income Percentage	0.00000	InvestmentIncomePercentage
Thirty Three Percnt Tests CY509	X	ThirtyThreePercntTestsCY509

Schedule B IRS990ScheduleB

Contributor Info ContributorInfo

Field	Value	IRS element (for citing)
Contributor Number	RESTRICTED	ContributorNumber

Contributor Name Business ContributorNameBusiness

Field	Value	IRS element (for citing)
Business Name Line1	RESTRICTED	BusinessNameLine1

Contributor Address US ContributorAddressUS

Field	Value	IRS element (for citing)
Address Line1	RESTRICTED	AddressLine1
Address Line2	RESTRICTED	AddressLine2
City	RESTRICTED	City
State	RESTRICTED	State
ZIP Code	RESTRICTED	ZIPCode

Field	Value	IRS element (for citing)
Aggregate Contributions	RESTRICTED	AggregateContributions

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	false	AgentTrusteeEtc
Included On FS	false	IncludedOnFS

Other Assets OtherAssets (2 entries)

DescriptionDescription	Book ValueBookValue
RESTRICTED CASH	786463
SECURITY DEPOSIT	5218

Field	Value	IRS element (for citing)
Total Book Value Other Assets	791681	TotalBookValueOtherAssets

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	DUE TO CREDITORS	Description
Amount	$786,463	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	786463	TotalOfAmounts
Tot Revenue Etc Audited Fincl Stmt	3827920	TotRevenueEtcAuditedFinclStmt
Revenue Subtotal	3827920	RevenueSubtotal
Total Revenue Per Form990	3827920	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	3807642	TotExpensesEtcAuditedFinclStmt
Expenses Subtotal	3807642	ExpensesSubtotal
Total Expenses Per Form990	3807642	TotalExpensesPerForm990

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (5 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
ADDITIONAL INFORMATION	FORM 990, PART III	CONTINUATION 4A- COUNSELORS PROVIDE GUIDANCE IN CREATING AND MAINTAINING A CONCISE, PERSONAL, AND REASONABLE HOUSEHOLD BUDGET, DISCUSS THE IMPORTANCE OF PAYING BILLS ON TIME EACH MONTH, AND PROPOSE OPTIONS TO HELP CONSUMERS BECOME CURENT WITH THEIR OUTSTANDING SECURED AND UNSECURED LIABILITIES. COUNSELORS ALSO POVIDE REFERRALS FOR CLIENTS TO OTHER ORGANIZATIONS FOR APPROPRIATE SUPPORT SERVICES, SUCH AS EMPLOYMENT, SKILLS TRAINING, VETERAN BENEFITS, PSYCHOLOGICAL/BEHAVIORAL COUSELING, AND OTHER SOCIAL SERVICES.
MANAGEMENT DELEGATED	FORM 990, PAGE 6, PART VI, LINE 3	MANAGEMENT IS HANDLED BY BMV CORPORATION
ORGANIZATION'S PROCESS USED TO REVIEW FORM 990	FORM 990, PAGE 6, PART VI, LINE 11B	THE FORM 990 IS REVIEWED BY THE COMPANY'S ACCOUNTING DEPARTMENT AS WELL AS BY MEMBERS OF THE BOARD.
GOVERNING DOCUMENTS DISCLOSURE EXPLANATION	FORM 990, PAGE 6, PART VI, LINE 19	DOCUMENTS ARE AVAILABE TO THE PUBLIC BY WRITEN REQUEST TO THE CORPORATE OFFICE.
OTHER CHANGES IN NET ASSETS EXPLANATION	FORM 990, PART XI, LINE 9	ROUNDING 1

AMERICAN CREDIT COUNSELORS: Form 990, tax year 2012

Return header ReturnHeader

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

Preparer Firm US Address PreparerFirmUSAddress

Filer Filer

Name Name

US Address USAddress

Officer Officer

Preparer Preparer

Form 990 IRS990

Activity2 Activity2

The Books Are In Care Of TheBooksAreInCareOf

Address US AddressUS

Form990 Part VII Section A Form990PartVIISectionA (3 entries)

Contractor Compensation ContractorCompensation (2 entries)

Program Service Revenue ProgramServiceRevenue

Investment Income InvestmentIncome

Total Revenue TotalRevenue

Comp Current Officers Directors CompCurrentOfficersDirectors

Comp Disqual Persons CompDisqualPersons

Other Salaries And Wages OtherSalariesAndWages

Pension Plan Contributions PensionPlanContributions

Other Employee Benefits OtherEmployeeBenefits

Payroll Taxes PayrollTaxes

Fees For Services Management FeesForServicesManagement

Fees For Services Legal FeesForServicesLegal

Fees For Services Accounting FeesForServicesAccounting

Fees For Services Other FeesForServicesOther

Advertising Advertising

Office Expenses OfficeExpenses

Information Technology InformationTechnology

Occupancy Occupancy

Travel Travel

Insurance Insurance

Other Expenses OtherExpenses (4 entries)

All Other Expenses AllOtherExpenses

Total Functional Expenses TotalFunctionalExpenses

Cash Non Interest Bearing CashNonInterestBearing

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Other Assets Total OtherAssetsTotal

Total Assets TotalAssets

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Other Liabilities OtherLiabilities

Total Liabilities TotalLiabilities

Unrestricted Net Assets UnrestrictedNetAssets

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

FS Audited Basis FSAuditedBasis

Schedule A IRS990ScheduleA

Gifts Grants Contrib Received509 GiftsGrantsContribReceived509

Gross Receipts From Admissions GrossReceiptsFromAdmissions

Total509 Total509

Amts From Subst Contributors AmtsFromSubstContributors

Support From DQ Ps Etc SupportFromDQPsEtc

Gross Investment Income509 GrossInvestmentIncome509

Investment Income And UBTI InvestmentIncomeAndUBTI

Total Support Total TotalSupportTotal

Schedule B IRS990ScheduleB

Contributor Info ContributorInfo

Contributor Name Business ContributorNameBusiness

Contributor Address US ContributorAddressUS

Schedule D IRS990ScheduleD

Other Assets OtherAssets (2 entries)

Other Liabilities OtherLiabilities

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (5 entries)

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