2012-08-03T10:27:15-05:00 2011-12-31 521853933 RIBIS JONES & MARESCA PA 10500 LITTLE PATUXENT PARKWAY 770 COLUMBIA MD 21044 990 2011-01-01 522196183 INCHARGE INSTITUTE OF AMERICA INC INCH 4072917770 5750 MAJOR BLVD NO 300 ORLANDO FL 32819 ETTA W MONEY 4072917770 2012-08-02 1 DAVID A JONES P01361002 4108840220 2011 2016-02-24 21:20:13Z ETTA W MONEY 5750 MAJOR BLVD STE 300 ORLANDO FL 32819 274540 0 X WWW.INCHARGE.ORG X 1999 DE INCHARGE INSTITUTE OF AMERICA PROVIDES GENERAL AND ADMINISTRATIVE MANAGEMENT SUPPORT TO ITS AFFILIATED ENTITIES. 7 5 57 0 0 0 0 0 20775 0 10355 20557 1043009 248993 1074139 269550 0 0 0 0 1063250 0 0 0 0 2993735 444204 4056985 444204 -2982846 -174654 2448335 2250395 1610177 1433555 838158 816840 X INCHARGE INSTITUTE OF AMERICA IS A 501(C)(3) NON-PROFIT ORGANIZATION WHOSE EMPLOYEES AND BOARD OF TRUSTEES PROVIDE OVERSIGHT AND EXECUTIVE LEADERSHIP TO INCHARGE DEBT SOLUTIONS AND INCHARGE EDUCATION FOUNDATION IN SUPPORT OF THEIR MISSIONS TO SERVE THE DEBT DISTRESSED, IMPROVE PERSONAL FINANCIAL LITERACY AND DEVELOP PROGRAMS THAT EDUCATE AND ENABLE CONSUMERS TO USE CREDIT RESPONSIBLY IN PURSUIT OF THEIR GOALS. 0 0 INCHARGE INSTITUTE OF AMERICA'S EMPLOYEES AND BOARD OF TRUSTEES PROVIDE OVERSIGHT AND EXECUTIVE LEADERSHIP TO INCHARGE DEBT SOLUTIONS AND INCHARGE EDUCATION FOUNDATION IN SUPPORT OF THEIR MISSIONS TO SERVE THE DEBT DISTRESSED, IMPROVE PERSONAL FINANCIAL LITERACY AND DEVELOP PROGRAMS THAT EDUCATE AND ENABLE CONSUMERS TO USE CREDIT RESPONSIBLY IN PURSUIT OF THEIR GOALS. 1 0 0 0 0 0 0 0 0 0 1 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 1 0 1 0 0 0 0 0 1 1 1 0 0 1 54 0 57 1 0 0 0 0 0 0 0 0 0 0 X 7 5 0 0 1 0 0 0 0 1 1 0 0 0 1 1 1 1 1 1 1 0 FL X INCHARGE INSTITUTE OF AMERICA INC 4072917770 5750 MAJOR BLVD SUITE 300 ORLANDO FL 32819 X ETTA W MONEY 1.00 X X 0 236596 58343 LONNIE M RITZER 1.00 X 400 400 0 NORRIS OVERTON 1.00 X 400 400 0 PETER W KENNEDY 2.00 X 800 0 0 RICHARD ANDERSON 1.00 X 26971 400 0 ROBERT J RUIZ 1.00 X 500 500 0 WILLIAM S NORMAN 2.00 X 0 0 0 WILLIAM MALSEED 1.00 X 0 152615 21829 JODI MCGREGOR 1.00 X 0 186523 28891 DAVID C JONES 0.00 X 59439 0 0 88510 577434 109063 0 1 1 0 AETNA 151 FARMINGTON AVENUE HARTFORD CT 06156 MEDICAL INSURANCE 1722080 FIDELITY INVESTMENT CORP PO BOX 73307 CHICAGO IL 60673 PENSION PLAN 953569 EMERSON INVESTMENTS 370 CENTRE POINT CIRCLE SUITE 1136 ALTAMONTE SPRINGS FL 32701 LEASE OFFICE SPACE 493128 WHITEFORD TAYLOR & PRESTON SEVEN SAINT PAUL STREET BALTIMORE MD 21202 LEGAL SERVICES 331844 STRATEGIC PRODUCTS & SERVICES 300 LITTLETON ROAD PARSIPPANY NY 07054 IT MAINTENANCE 158652 14 10746 10746 248993 248993 14801 4990 9811 9811 9811 269550 0 0 269550 X 444204 444204 444204 0 444204 0 376119 477015 60058 8871 272324 253153 8541321 7840008 966815 701313 773019 810043 2448335 2250395 751011 550147 859166 883408 1610177 1433555 X 838158 816840 838158 816840 2448335 2250395 X -174654 153336 X X 0 1 1 X 0 X X X 0 0 0 INCHARGE DEBT SOLUTIONS 330770440 7 1 1 1 5870175 INCHARGE EDUCATION FOUNDATION 200152720 11B, PART II 0 1 1 1000027 2 6870202 331173 115074 216099 8191397 7706183 485214 18751 18751 0 701313 DEFERRED COMPENSATION 676767 SECURITY DEPOSITS 133276 810043 DEFERRED COMPENSATION 676767 DEFERRED RENT 206641 883408 DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: PART X: ICI 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. X X X X X 0 1 0 0 0 0 0 0 0 ETTA W MONEY 0 217314 0 8000 0 11282 0 45814 0 12529 0 294939 0 0 WILLIAM MALSEED 0 139515 0 8000 0 5100 0 20929 0 900 0 174444 0 0 JODI MCGREGOR 0 175754 0 4000 0 6769 0 26382 0 2509 0 215414 0 0 DAVID C JONES 0 0 0 0 59439 0 0 0 0 0 59439 0 59439 0 PART I, LINE 4B ICI HAS A NON-QUALIFIED DEFERRED COMPENSATION PLAN FOR CERTAIN KEY EXECUTIVES. UNDER THE DEFERRED COMPENSATION PLAN, ICI HAS DEFERRED PORTIONS OF THE PARTICIPATING EXECUTIVE'S COMPENSATION. THE COMPENSATION BALANCE IS PAYABLE UPON 100% VESTING IN THE PLAN. THE DEFERRED COMPENSATION HAS BEEN INVESTED IN ANNUITY POLICIES. DAVID C. JONES RECEIVES MONTHLY PAYOUTS FROM THIS ANNUITY-BASED DEFERRED COMPENSATION PLAN. SHARPIRO SHER GUINOT & SANDLER LONNIE RITZER IS ON THE BOARD OF ICI AND IS A PARTNER AT THIS LAW FIRM. 37404 LEGAL SERVICES 0 RICHARD ANDERSON BOARD TRUSTEE 26571 CONSULTING SERVICES 0 FORM 990, PART VI, SECTION A, LINE 4 EFFECTIVE AUGUST 11, 2011, THE BYLAWS OF INCHARGE INSTITUTE OF AMERICA WERE AMENDED TO REFLECT THE FOLLOWING: 1) DEFINITION OF INDEPENDENT TRUSTEE 2) PROVIDES FOR THE ELECTION OF A BOARD CHAIRPERSON BY THE INDEPENDENT MEMBERS OF THE BOARD AND DEFINES ASSOCIATED DUTIES OF THE CHAIR 3) CLARIFICATION OF TRUSTEE ELECTION AND REMOVAL PROCESS 4) PERMITS OFFICERS TO SERVE ON AN EXTERNAL BOARD WITH NOTICE TO THE CHAIR 5) CLARIFICATION OF BOARD COMMITTEE APPOINTMENT PROCESS FORM 990, PART VI, SECTION B, LINE 11 THE DIRECTOR OF FINANCE, TREASURER, AUDIT COMMITTEE, AND THE PRESIDENT & CEO OF INCHARGE INSTITUTE OF AMERICA 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 EXCEPTIONAL PERFORMANCE INCREASES BASED ON PERFORMANCE. PERIODICALLY, KEY EMPLOYEES' SALARIES ARE COMPARED TO MARKET DATA. THE LAST COMPENSATION REVIEW WAS CONDUCTED IN JANUARY - FEBRUARY 2012. 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. CONTACT ADDRESSES FOR OFFICERS, DIRECTORS, ETC FORM 990, PART VII DAVID C. JONES - 7926 KIMBRO LANE, ORLANDO, FL 32818. FORM 990, PART VII, SECTION A, COLUMN (B) AND FORM 990, PART IX AVERAGE HOURS PER WEEK FOR RELATED ORGANIZATIONS: ETTA MONEY - INCHARGE DEBT SOLUTIONS, 47 HOURS; INCHARGE EDUCATION FOUNDATION, 2 HOURS. LONNIE M RITZER - INCHARGE DEBT SOLUTIONS, 1 HOUR. NORRIS OVERTON - INCHARGE EDUCATION FOUNDATION, 1 HOUR. RICHARD ANDERSON - INCHARGE EDUCATION FOUNDATION, 1 HOUR. ROBERT RUIZ - INCHARGE EDUCATION FOUNDATION, 1 HOUR. WILLIAM MALSEED - INCHARGE DEBT SOLUTIONS, 35 HOURS; INCHARGE EDUCATION FOUNDATION, 9. JODI MCGREGOR - INCHARGE DEBT SOLUTIONS, 37 HOURS; INCHARGE EDUCATION FOUNDATION, 7 HOURS. SINCE INCHARGE INSTITUTE'S MISSION IS TO PROVIDE MANAGEMENT AND OTHER FUNCTIONAL SUPPORT TO INCHARGE DEBT SOLUTIONS (IDS) AND INCHARGE EDUCATION FOUNDATION (ICEF), NEARLY ALL OF ITS OPERATING COSTS HAVE BEEN ALLOCATED TO THESE ENTITIES. ACCORDINGLY, AVERAGE HOURS REFLECTED IN SCHEDULE VII, ITEM (B) ARE MINIMAL AND ARE NET OF HOURS ALLOCATED IN SUPPORT OF IDS AND ICEF. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 5: CONTRIBUTED NET ASSETS FROM AFFILIATED ENTITIES 153,336. TOTAL TO FORM 990, PART XI, LINE 5: 153,336. 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 DEBT SOLUTIONS 5750 MAJOR BLVD SUITE 175 ORLANDO FL 32819 330770440 FINANCIAL COUNSELING NV 501(C)(3) LINE 7 INCHARGE INSTITUTE OF AMERICA INC 1 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 NATIONAL CREDIT COUNSELING SERVICES INC 5750 MAJOR BLVD SUITE 300 ORLANDO FL 32819 521799746 DISSOLVED IN 2012 MD INCHARGE INSTIUTE OF AMERICA INC C 1.00000 0 0 0 0 0 0 0 0 0 0 1 0 1 1 0 0 1 1 INCHARGE DEBT SOLUTIONS K 5870175 USAGE INCHARGE EDUCATION FOUNDATION INC K 1000027 USAGE INCHARGE EDUCATION FOUNDATION INC M 34810 USAGE INCHARGE DEBT SOLUTIONS M 364346 USAGE INCHARGE DEBT SOLUTIONS R 9572310 CASH INCHARGE EDUCATION FOUNDATION INC R 1839607 CASH NATIONAL CREDIT COUNSELING SERVICES INC Q 4001890 CASH