AMERICAN CREDIT COUNSELORS: Form 990, tax year 2011

View the entire original 990 at ProPublica ↗

Organization: AMERICAN CREDIT COUNSELORS (EIN 65-0942766)
Tax period: 2011-01-01 to 2011-12-31
Filed: 2012-08-03
IRS object ID: 201232169349300723
Schema version: 2011v1.2
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	2012-08-03T10:08:24-05:00	Timestamp
Tax Period End Date	2011-12-31	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	2011-01-01	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	2012-08-01	DateSigned

Preparer Preparer

Field	Value	IRS element (for citing)
Name	AIDA BRIELE	Name
Phone	3054435768	Phone
Date Prepared	2012-08-03	DatePrepared

Field	Value	IRS element (for citing)
Tax Year	2011	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Gross Receipts	6546627	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	37	TotalNbrEmployees
Total Gross UBI	0	TotalGrossUBI
Contributions Grants Prior Year	4796712	ContributionsGrantsPriorYear
Contributions Grants Current Year	3223343	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	4757639	ProgramServiceRevenuePriorYear
Program Service Revenue CY	3323284	ProgramServiceRevenueCY
Investment Income Prior Year	1092	InvestmentIncomePriorYear
Investment Income Current Year	0	InvestmentIncomeCurrentYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	9555443	TotalRevenuePriorYear
Total Revenue Current Year	6546627	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	1350023	SalariesEtcPriorYear
Salaries Etc Current Year	1072075	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	7160202	OtherExpensePriorYear
Other Expenses Current Year	5222537	OtherExpensesCurrentYear
Total Expenses Prior Year	8510225	TotalExpensesPriorYear
Total Expenses Current Year	6294612	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	1045218	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	252015	RevenuesLessExpensesCY
Total Assets BOY	4220434	TotalAssetsBOY
Total Assets EOY	4717675	TotalAssetsEOY
Total Liabilities BOY	1398542	TotalLiabilitiesBOY
Total Liabilities EOY	1643768	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	2821892	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	3073907	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	4708542	Expense
Description	PROVIDED CREDIT COUNSELING SERVICES IN VARIOUS COMMUNITIES IN THE U.S. IN 2011 THE COMPANY COUNSELED ABOUT 37000 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	1362171	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 205 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	6070713	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
Transaction Related Entity	false	TransactionRelatedEntity
Transfers To Exempt Non Chrtbl Org	false	TransfersToExemptNonChrtblOrg
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	6	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Number Of Employees	37	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
MICHAEL HIRSCHKORN
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	4696597
VANCO
12600 WHITEWATER DRIVE	MINNETONKA	MN	55343	BANKING DISBURS	166803

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	2	NumberOfContractorsGT100K
All Other Contributions	3223343	AllOtherContributions
Total Contributions	3223343	TotalContributions

Program Service Revenue ProgramServiceRevenue

Field	Value	IRS element (for citing)
Description	CLIENT MANAGEMENT FEES	Description
Total Revenue Column	3323284	TotalRevenueColumn
Related Or Exempt Function Income	3323284	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Program Service Revenue	3323284	TotalProgramServiceRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	6546627	TotalRevenueColumn
Related Or Exempt Function Income	3323284	RelatedOrExemptFunctionIncome

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	313744	Total
Program Services	292356	ProgramServices
Management And General	21388	ManagementAndGeneral

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	654275	Total
Program Services	621561	ProgramServices
Management And General	32714	ManagementAndGeneral

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	5970	Total
Program Services	5970	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	14558	Total
Program Services	13830	ProgramServices
Management And General	728	ManagementAndGeneral

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	83528	Total
Program Services	79352	ProgramServices
Management And General	4176	ManagementAndGeneral

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	293971	Total
Program Services	293971	ProgramServices

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	46049	Total
Program Services	46049	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	31708	Total
Program Services	31708	ProgramServices

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	40414	Total
Program Services	40414	ProgramServices

Advertising Advertising

Field	Value	IRS element (for citing)
Total	2280	Total
Program Services	2280	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	160332	Total
Program Services	102796	ProgramServices
Management And General	57536	ManagementAndGeneral

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	102302	Total
Program Services	102302	ProgramServices

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	154012	Total
Program Services	91327	ProgramServices
Management And General	62685	ManagementAndGeneral

Travel Travel

Field	Value	IRS element (for citing)
Total	43438	Total
Program Services	42332	ProgramServices
Management And General	1106	ManagementAndGeneral

Insurance Insurance

Field	Value	IRS element (for citing)
Total	147322	Total
Program Services	106064	ProgramServices
Management And General	41258	ManagementAndGeneral

Other Expenses OtherExpenses (4 entries)

DescriptionDescription	TotalTotal	Program ServicesProgramServices
CUST OUTREACH, SUPPORT	1611449	1611449
EDUCATION PROGRAM CUST	867704	867704
FAIR SHARE EXPENSE	776987	776987
CLIENT CUSTOMER SERVICE	442132	442132

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	502437	Total
Program Services	500129	ProgramServices
Management And General	2308	ManagementAndGeneral

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	6294612	Total
Program Services	6070713	ProgramServices
Management And General	223899	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	2846275	BOY
EOY	3473563	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
EOY	8027	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	1374159	BOY
EOY	1236085	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	4220434	BOY
EOY	4717675	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	29601	BOY
EOY	412901	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	1368941	BOY
EOY	1230867	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	1398542	BOY
EOY	1643768	EOY

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

Unrestricted Net Assets UnrestrictedNetAssets

Field	Value	IRS element (for citing)
BOY	2821892	BOY
EOY	3073907	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	2821892	BOY
EOY	3073907	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	4220434	BOY
EOY	4717675	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	252015	ReconcilationRevenueExpenses
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	true	FSAudited
Audit Committee	true	AuditCommittee
Financial Statement Consolidated	X	FinancialStatementConsolidated
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 Minus3 Years	2172190	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	3596576	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	4796712	CurrentTaxYearMinus1Year
Current Tax Year	3223343	CurrentTaxYear
Total	13788821	Total

Gross Receipts From Admissions GrossReceiptsFromAdmissions

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	2951873	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	5969584	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	6592362	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	4757639	CurrentTaxYearMinus1Year
Current Tax Year	3323284	CurrentTaxYear
Total	23594742	Total

Total509 Total509

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	2951873	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	8141774	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	10188938	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	9554351	CurrentTaxYearMinus1Year
Current Tax Year	6546627	CurrentTaxYear
Total	37383563	Total

Amts From Subst Contributors AmtsFromSubstContributors

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	516803	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	401716	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	343373	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	3055683	CurrentTaxYearMinus1Year
Current Tax Year	1857637	CurrentTaxYear
Total	6175212	Total

Support From DQ Ps Etc SupportFromDQPsEtc

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	516803	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	401716	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	343373	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	3055683	CurrentTaxYearMinus1Year
Current Tax Year	1857637	CurrentTaxYear
Total	6175212	Total

Field	Value	IRS element (for citing)
Public Support Total509	31208351	PublicSupportTotal509

Gross Investment Income509 GrossInvestmentIncome509

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	4439	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	3615	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	2083	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	1092	CurrentTaxYearMinus1Year
Total	11229	Total

Investment Income And UBTI InvestmentIncomeAndUBTI

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	4439	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	3615	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	2083	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	1092	CurrentTaxYearMinus1Year
Total	11229	Total

Total Support Total TotalSupportTotal

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	2956312	CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years	8145389	CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years	10191021	CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year	9555443	CurrentTaxYearMinus1Year
Current Tax Year	6546627	CurrentTaxYear
Total	37394792	Total

Field	Value	IRS element (for citing)
Public Support Percentage509	0.83460	PublicSupportPercentage509
Prior Year Support Percentage	0.86030	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)
Disclosed Orgs Legal Control	false	DisclosedOrgsLegalControl
Disclosed For Charitable Purposes	false	DisclosedForCharitablePurposes
Written Policy Monitoring	false	WrittenPolicyMonitoring
Sect170h Requirements Satisfied	false	Sect170hRequirementsSatisfied
Solicited Assets For Sale	false	SolicitedAssetsForSale
Agent Trustee Etc	false	AgentTrusteeEtc
Included On FS	false	IncludedOnFS
Endowments Held By Unrelated Orgs	false	EndowmentsHeldByUnrelatedOrgs
Endowments Held By Related Orgs	false	EndowmentsHeldByRelatedOrgs
Are Related Orgs Listed Schedule R	false	AreRelatedOrgsListedScheduleR

Other Assets OtherAssets (2 entries)

DescriptionDescription	Book ValueBookValue
RESTRICTED CASH	1230867
SECURITY DEPOSIT	5218

Field	Value	IRS element (for citing)
Total Book Value Other Assets	1236085	TotalBookValueOtherAssets

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	DUE TO CREDITORS	Description
Amount	$1,230,867	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	1230867	TotalOfAmounts
Total Revenue	6546627	TotalRevenue
Total Expenses	6294612	TotalExpenses
Excess Or Deficit For Year	252015	ExcessOrDeficitForYear
Excess Or Deficit Per FS	252015	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	6546627	TotRevenueEtcAuditedFinclStmt
Revenue Subtotal	6546627	RevenueSubtotal
Total Revenue Per Form990	6546627	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	6294612	TotExpensesEtcAuditedFinclStmt
Expenses Subtotal	6294612	ExpensesSubtotal
Total Expenses Per Form990	6294612	TotalExpensesPerForm990

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (4 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.

AMERICAN CREDIT COUNSELORS: Form 990, tax year 2011

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

Total Revenue TotalRevenue

Comp Current Officers Directors CompCurrentOfficersDirectors

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

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 (4 entries)

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