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Florida · Nonprofit

ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC

ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC (Florida) receives grants from 1 organization whose IRS filings report $8,000 to it, the largest being INCHARGE DEBT SOLUTIONS ($8,000). 0 of them have funded it in more than one year.

Revenue FY2024
$390k
Funders on record
1
Grants received
$8k
Net assets
$369k
0/1 repeat funderspeak grant-dependency 3%
01What it does

What Association of Independent Consumer Credit Counseling Agencies Inc does

Mission

To provide high-value services designed to establish equilibrium between consumers, creditors, and member agencies for the successful rehabilitation of debt-challenged families and individuals.

As stated on its FY2024 Form 990.

Programs

  1. Membership services - the association informs its members about state and federal legislation, champions consumer financial education, supports industry issues and initiatives through the media, and strives for the maintenance of continued positive relationships between creditors and the credit counseling industry. Additional member services - the association provides informed leadership, advocacy, and value-added services to its members by collecting data on member needs, measuring member satisfaction, and continuously striving to improve the association's effectiveness. In addition, the association maintains a website that provides informational and educational resources for members and consumers in general.

    $234,165 spent$371,447 earned by the program
    86% of program spending
  2. Annual conference - the association offers educational conferences for members to share information and to obtain the latest updates from industry experts on credit counseling methods and practices. Sessions are conducted for individuals at all levels of their organization and on many varied relevant topics. In addition, counselors in attendance at the conference are eligible to receive continuing education credits from their third party certification providers.

    $38,796 spent$27,633 earned by the program
    14% of program spending

The 2 programs described on its FY2025 Form 990, listed largest first by expense. Program spending in total: $272,961.

02The organization over time

The organization over time

Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.

100 = 20172017 Revenue 100 ($246k) Expenses 100 ($222k) Net assets 100 ($192k)2018 Revenue 102 ($250k) Expenses 94 ($210k) Net assets 121 ($233k)2019 Revenue 116 ($286k) Expenses 93 ($207k) Net assets 163 ($312k)2020 Revenue 75 ($185k) Expenses 74 ($165k) Net assets 173 ($332k)2021 Revenue 105 ($257k) Expenses 75 ($168k) Net assets 220 ($422k)2022 Revenue 96 ($237k) Expenses 98 ($218k) Net assets 230 ($440k)2023 Revenue 141 ($346k) Expenses 152 ($337k) Net assets 234 ($449k)2024 Revenue 158 ($390k) Expenses 211 ($470k) Net assets 192 ($369k)
'17'18'19'20'21'22'23'24
Revenue (158)Expenses (211)Net assets (192)Peer revenue range

Balance sheet

Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2023 to 2024, from $481k to $380k (−21%).

$263k
$283k
$360k
$393k
$471k
$572k
$481k
$380k
'17'18'19'20'21'22'23'24
Total assetsTotal liabilities

How it's funded, over time

Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.

2017
2018
2019
2020
2021
2022
2023
2024
ContributionsProgram revenueInvestmentOther

Government-grant reliance: 2021 16%. Grants only. Government contracts and fees sit inside program revenue.

9% of ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC’s revenue is contributions — more earned-revenue than three-quarters of its peers (91% for the typical peer).

This organization
Typical peer · 23,870 orgs

Surplus & reserves

Operating surplus or deficit each year, and months of liquidity in hand. 1 of the last 8 reported years ran a deficit.

$24k
’17
$41k
’18
$79k
’19
$20k
’20
$90k
’21
$19k
’22
$8k
’23
−$80k
’24
9.3
months of
reserve

Leadership and staff

The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.

Chief executive

Lori Pollack

Executive director

Board chair

Judith Sorensen

Co-chair

As listed on its FY2025 Form 990.

2017201820192021202220232024
Listed1110108101010
Joined·+1+0·+4+1+2
No longer listed·20·212
03Who funds it

Who funds it, year by year

Grant support over time, funder by funder — shade shows the grant size each year.

Funder
'22
total
funders
1

From the IRS filings of ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.

Where its funders are

100% of ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC's grant income comes from Florida funders.

FL

Funder states come from each funder’s own filing. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.

04Its place in the field

Against its field

ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC is better cushioned than half of the 21,616 human services nonprofits its size.

Operating margin−21% · bottom quartile
Months of reserve9.3mo · above the median
Revenue growth (annualized)7% · below the median

this organization peer median middle 50% of peers· 21,616 human services nonprofits $100k–$1M, FY2024

Organizations like ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC

Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.

In Florida

Nationally

05Profile & governance

Read directly from this organization’s own Form 990, as neutral context.

Where the money goes

86% of spending goes to programs.

Program 86%Management 14%Fundraising 0%

Governance

9
board members
100%
independent
✓Conflict-of-interest policy✓Whistleblower policy✓Document retention✓Board reviewed the 990–Audited financials

Public support

61%

Share of support from the public (Schedule A) — the basis for its public-charity status.

Footprint & structure

Files a return copy in 2 states

NJ
FL

Screen this organization

A dated, signed PDF of the compliance screen for ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.

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Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf

Questions and answers

Who funds ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC?
ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC (Florida) receives grants from 1 organization whose IRS filings report $8,000 to it, the largest being INCHARGE DEBT SOLUTIONS ($8,000). 0 of them have funded it in more than one year.
How many funders does ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC have?
IRS filings report 1 organization giving $8,000 in grants to ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC.
Who is the largest funder of ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC?
INCHARGE DEBT SOLUTIONS is the largest funder on record, with $8,000 in grants. The full list of funders is on this page.
How can an organization like ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC find more funders?
Start with the funders already giving here, then look at the foundations that back similar organizations in Florida. The funding by cause and by state pages list the largest funders for a given area and how to approach them.

Play a game about who funds Association of Independent Consumer Credit Counseling Agencies →

These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2024 (financials across 2017–2024), and the filings of 1 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing