Florida · Nonprofit
INCHARGE DEBT SOLUTIONS
INCHARGE DEBT SOLUTIONS (Florida) receives grants from 2 organizations whose IRS filings report $1,168,031 to it, the largest being NATIONAL FOUNDATION FOR CREDIT COUNSELING INC ($1,167,835). 2 of them have funded it in more than one year.
- Revenue FY2024
- $15M
- Funders on record
- 2
- Grants received
- $1.2M
- Net assets
- $6.2M
What Incharge Debt Solutions does
Mission
Incharge Debt Solutions helps consumers achieve financial balance and move closer to their dreams.
As stated on its FY2024 Form 990.
Programs
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. Nearly 74,000 financially distressed individuals received credit counseling, and financial educational materials during 2023. 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.
$9,212,925 spent$10,850 earned by the program63% of program spendingDebt 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 their needs.
$4,592,618 spent$8,059,938 earned by the program31% of program spendingHousing 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 counseling, homebuyer education, and pre-purchase homebuyer counseling. Foreclosure prevention 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 home ownership, 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…
$507,849 spent$658,011 earned by the program3% of program spendingBankruptcy 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 web-based debtor education programs. Both programs issue certificates to individuals who complete each program as required by the title 11 bankruptcy code. During 2023, approximately 6,500 certificates were issued to bankruptcy petitioners evidencing their successful completion of the bankruptcy credit counseling session and the personal financial management course.
$371,014 spent$134,539 earned by the program3% of program spendingFinancial literacy outreach - ids, in conjunction with its supporting organization, incharge education foundation, conducts numerous financial literacy workshops, and home buyer education classes for the general public. The goal of each outreach event is to improve the financial capabilities of attendees by providing relevant information and tools concerning personal finance, money management, the responsible use of credit, and the home buying process.
The 5 programs described on its FY2023 Form 990, listed largest first by expense. Program spending in total: $14,684,406.
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.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2022 to 2023, from $10M to $8.3M (−20%).
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.
Government-grant reliance: 2021 8% · 2024 3%. Grants only. Government contracts and fees sit inside program revenue.
36% of INCHARGE DEBT SOLUTIONS’s revenue is contributions — more donation-reliant than the typical peer (21% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 2 of the last 7 reported years ran a deficit.
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.
Board chair
Patricia Wexler
Board chair
As listed on its FY2024 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 1 funder to 2 funders, grant income fell $170k → $129k.
1 of 2 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 0% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of INCHARGE DEBT SOLUTIONS’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.
How concentrated its funding is
INCHARGE DEBT SOLUTIONS leans on a few funders — its largest provides 100% of grant income and the top three 100%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
100% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund INCHARGE DEBT SOLUTIONS.
Largest funder’s share by year: 2017 100% · 2018 100% · 2019 100% · 2020 100% · 2021 100% · 2022 100% · 2023 100% — broadly stable.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. 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
INCHARGE DEBT SOLUTIONS draws 100% of its grant income from funders outside Florida, across 1 state in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $196 arriving through sponsors registered in 1 state is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. 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.
Against its field
INCHARGE DEBT SOLUTIONS receives grants from 2 organizations whose IRS filings report $1.2M to it.
this organization peer median middle 50% of peers· 3,288 human services nonprofits $10M–$100M, FY2024
Organizations like INCHARGE DEBT SOLUTIONS
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
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
93% of spending goes to programs.
Governance
Public support
51%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 6 states
Part of a family of 1 related entity
- Incharge Education Foundation Inc · exempt
Screen this organization
A dated, signed PDF of the compliance screen for INCHARGE DEBT SOLUTIONS: 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.
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 INCHARGE DEBT SOLUTIONS?
- INCHARGE DEBT SOLUTIONS (Florida) receives grants from 2 organizations whose IRS filings report $1,168,031 to it, the largest being NATIONAL FOUNDATION FOR CREDIT COUNSELING INC ($1,167,835). 2 of them have funded it in more than one year.
- How many funders does INCHARGE DEBT SOLUTIONS have?
- IRS filings report 2 organizations giving $1,168,031 in grants to INCHARGE DEBT SOLUTIONS, 2 of which have funded it in more than one year.
- Who is the largest funder of INCHARGE DEBT SOLUTIONS?
- NATIONAL FOUNDATION FOR CREDIT COUNSELING INC is the largest funder on record, with $1,167,835 in grants. The full list of funders is on this page.
- How can an organization like INCHARGE DEBT SOLUTIONS 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.
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 2 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