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American Credit Counseling Service Inc

Organization summary

Type of Nonprofit

Designated as a Organizations for any of the following purposes: religious, educational, charitable, scientific, literary, testing for public safety, fostering national or international amateur sports competition (as long as it doesn’t provide athletic facilities or equipment), or the prevention of cruelty to children or animals.

Category: Unknown / Unclassified (NTEE)

Donations to this organization are tax deductible.

Summary charts: organization finances over time

Revenue
$181k (2022)

Expenses
$190k (2022)

Total Assets
$75.8k (2022)

Total Liabilities
$102k (2022)

Source: Form 990 tax filings from 2011 to 2022

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$180,907
Expenses
$190,446
Net Income
-$9,539
Net Assets
-$25,974
Notable Sources of Revenue Percent of Total Revenue
Contributions $119,939
66.3%
Program Services $60,796
33.6%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $172
0.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $73,960
38.8%
Professional Fundraising Fees $0
Other Salaries and Wages $15,388
8.1%
Assets/Debt
Total Assets $75,808
Total Liabilities $101,782
Net Assets -$25,974
Compensation
Key Employees and Officers Compensation Related Other
Mark Higgins (Vice Preside) $39,681 $0 $0
Michael L Edgar (President) $34,279 $0 $0
Stephanie Comeau (Board Member) $0 $0 $0
Molly Curren (Board Member) $0 $0 $0
Joseph Lalli Esq (Board Member) $0 $0 $0
Matthew Geminiani (Board Member) $0 $0 $0
Melissa Kenerson (Board Member) $0 $0 $0
Michael Mccue (Board Member) $0 $0 $0
Mark Stolworthy (Board Member) $0 $0 $0
Melissa Wagner (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$178,001
Expenses
$174,876
Net Income
$3,125
Net Assets
-$30,455
Notable Sources of Revenue Percent of Total Revenue
Contributions $89,969
50.5%
Program Services $87,432
49.1%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $600
0.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $81,771
46.8%
Professional Fundraising Fees $0
Other Salaries and Wages $13,608
7.8%
Assets/Debt
Total Assets $76,031
Total Liabilities $106,486
Net Assets -$30,455
Compensation
Key Employees and Officers Compensation Related Other
Mark Higgins (Vice Preside) $42,567 $0 $0
Michael L Edgar (President) $39,204 $0 $0
Stephanie Comeau (Board Member) $0 $0 $0
Molly Curren (Board Member) $0 $0 $0
Joseph Lalli Esq (Board Member) $0 $0 $0
Kenneth Fitch (Board Member) $0 $0 $0
Matthew Geminiani (Board Member) $0 $0 $0
Melissa Kenerson (Board Member) $0 $0 $0
Michael Mccue (Board Member) $0 $0 $0
Mark Stolworthy (Board Member) $0 $0 $0
Melissa Wagner (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$193,341
Expenses
$193,079
Net Income
$262
Net Assets
-$33,580
Notable Sources of Revenue Percent of Total Revenue
Contributions $115,923
60.0%
Program Services $77,273
40.0%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $145
0.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $92,039
47.7%
Professional Fundraising Fees $0
Other Salaries and Wages $23,073
12.0%
Assets/Debt
Total Assets $84,041
Total Liabilities $117,621
Net Assets -$33,580
Compensation
Key Employees and Officers Compensation Related Other
Mark Higgins (Vice Preside) $49,201 $0 $0
Michael Edgar (President) $42,838 $0 $0
Stephanie Comeau (Board Member) $0 $0 $0
Molly Curren (Board Member) $0 $0 $0
Joseph Lalli Esq (Board Member) $0 $0 $0
Kenneth Fitch (Board Member) $0 $0 $0
Matthew Geminiani (Board Member) $0 $0 $0
Melissa Kenerson (Board Member) $0 $0 $0
Laurie Laba (Board Member) $0 $0 $0
Michael Mccue (Board Member) $0 $0 $0
Mark Stolworthy (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$220,588
Expenses
$215,263
Net Income
$5,325
Net Assets
-$33,842
Notable Sources of Revenue Percent of Total Revenue
Contributions $114,490
51.9%
Program Services $106,094
48.1%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $4
0.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $88,586
41.2%
Professional Fundraising Fees $0
Other Salaries and Wages $41,511
19.3%
Assets/Debt
Total Assets $103,528
Total Liabilities $137,370
Net Assets -$33,842
Compensation
Key Employees and Officers Compensation Related Other
Mark Higgins (Vice Preside) $46,115 $0 $0
Michael Edgar (President) $42,471 $0 $0
Stephanie Comeau (Board Member) $0 $0 $0
Molly Curren (Board Member) $0 $0 $0
Joseph Lalli Esq (Board Member) $0 $0 $0
Kenneth Fitch (Board Member) $0 $0 $0
Matthew Geminiani (Board Member) $0 $0 $0
Melissa Kenerson (Board Member) $0 $0 $0
Laurie Laba (Board Member) $0 $0 $0
Michael Mccue (Board Member) $0 $0 $0
Mark Stolworthy (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$218,415
Expenses
$223,338
Net Income
-$4,923
Net Assets
-$30,924
Notable Sources of Revenue Percent of Total Revenue
Contributions $131,427
60.2%
Program Services $86,963
39.8%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $25
0.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $86,882
38.9%
Professional Fundraising Fees $0
Other Salaries and Wages $42,834
19.2%
Assets/Debt
Total Assets $126,423
Total Liabilities $157,347
Net Assets -$30,924
Compensation
Key Employees and Officers Compensation Related Other
Mark Higgins (Vice Preside) $45,228 $0 $0
Michael Edgar (President) $41,654 $0 $0
Stephanie Comeau (Board Member) $0 $0 $0
Molly Curren (Board Member) $0 $0 $0
Kenneth Fitch (Board Member) $0 $0 $0
Matthew Geminiani (Board Member) $0 $0 $0
Melissa Kennerson (Board Member) $0 $0 $0
Joseph Lalli Esq (Board Member) $0 $0 $0
Laurie Laba (Board Member) $0 $0 $0
Michael Mccue (Board Member) $0 $0 $0
Mark Stolworthy (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$224,186
Expenses
$234,624
Net Income
-$10,438
Net Assets
-$26,001
Notable Sources of Revenue Percent of Total Revenue
Contributions $128,320
57.2%
Program Services $95,762
42.7%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $104
0.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $88,586
37.8%
Professional Fundraising Fees $0
Other Salaries and Wages $53,172
22.7%
Assets/Debt
Total Assets $86,890
Total Liabilities $112,891
Net Assets -$26,001
Compensation
Key Employees and Officers Compensation Related Other
Markl Higgins (Vp/Sect) $46,115 $0 $0
Michael Edgar (President) $42,471 $0 $0
Stefanie Comeau (Board Member) $0 $0 $0
Molly Curren (Board Member) $0 $0 $0
Kenneth Fitch (Board Member) $0 $0 $0
Matthew Germiniani (Board Member) $0 $0 $0
Melissa Kennerson (Board Member) $0 $0 $0
Joseph Lalli Esq (Board Member) $0 $0 $0
Laura Laba (Board Member) $0 $0 $0
Michael Mccue (Board Member) $0 $0 $0
Mark Stolworthy (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$246,475
Expenses
$243,640
Net Income
$2,835
Net Assets
-$15,563
Notable Sources of Revenue Percent of Total Revenue
Contributions $143,007
58.0%
Program Services $103,164
41.9%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $304
0.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $88,586
36.4%
Professional Fundraising Fees $0
Other Salaries and Wages $54,376
22.3%
Assets/Debt
Total Assets $138,361
Total Liabilities $153,924
Net Assets -$15,563
Compensation
Key Employees and Officers Compensation Related Other
Mark A Higgins (Vp/Sect) $46,115 $0 $0
Michael L Edgar (Pres/Treas) $42,471 $0 $0
Mollie Curren (Board Member) $0 $0 $0
Stephanie Comeau (Board Member) $0 $0 $0
Melissa Kenerson (Board Member) $0 $0 $0
Joseph S Lalliesq (Board Member) $0 $0 $0
Laura Laba (Board Member) $0 $0 $0
Kenneth Fitch (Board Member) $0 $0 $0
Michael Mccue (Board Member) $0 $0 $0
Matthew P Geminiani (Board Member) $0 $0 $0
Mark B Stolworthy (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$234,267
Expenses
$233,804
Net Income
$463
Net Assets
-$18,401
Notable Sources of Revenue Percent of Total Revenue
Contributions $119,153
50.9%
Program Services $115,114
49.1%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $90,289
38.6%
Professional Fundraising Fees $0
Other Salaries and Wages $57,831
24.7%
Assets/Debt
Total Assets $122,203
Total Liabilities $140,604
Net Assets -$18,401
Compensation
Key Employees and Officers Compensation Related Other
Mark A Higgins 28 Villa Way Way (Vp/Secretary) $47,001 $0 $0
Michael L Edgar 393 Richardson Ave (President /Treasurer) $43,288 $0 $0
Mollie Curren 275 High Street (Board Member) $0 $0 $0
Michael W Mccue 475 Williams Street (Board Member) $0 $0 $0
Mark B Stolworthy 44 Robert Batchel (Board Member) $0 $0 $0
Stephanie Comeau 7 Harness Path Pla (Board Member) $0 $0 $0
Kenneth Fitch 73 Kay Street (Board Member) $0 $0 $0
Matthew Geminiani 560 Kelly Blvd (Board Member) $0 $0 $0
Laurie Laba 57 Fox Run (Board Member) $0 $0 $0
Joseph S Lalli Esquire 31 Memorial (Board Member) $0 $0 $0
Melissa Kenerson 51 Berry Street (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$268,325
Expenses
$259,060
Net Income
$9,265
Net Assets
$105,257
Notable Sources of Revenue Percent of Total Revenue
Contributions $149,412
55.7%
Program Services $118,913
44.3%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $85,986
33.2%
Professional Fundraising Fees $0
Other Salaries and Wages $62,033
23.9%
Assets/Debt
Total Assets $148,094
Total Liabilities $42,837
Net Assets $105,257
Compensation
Key Employees and Officers Compensation Related Other
Mark A Higgins (Vp/Secretary) $46,115 $0 $0
Michael L Edgar (President /T) $39,871 $0 $0
Mollie Curren (Board Member) $0 $0 $0
Michael W Mccue (Board Member) $0 $0 $0
Mark B Stolworthy (Board Member) $0 $0 $0
Stephanie Comeau (Board Member) $0 $0 $0
Kenneth Fitch (Board Member) $0 $0 $0
Matthew Geminiani (Board Member) $0 $0 $0
Laurie Laba (Board Member) $0 $0 $0
David Mccarter (Board Member) $0 $0 $0
Melissa Kenerson (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$299,141
Expenses
$287,521
Net Income
$11,620
Net Assets
$84,437
Notable Sources of Revenue Percent of Total Revenue
Contributions $179,455
60.0%
Program Services $119,686
40.0%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $83,940
29.2%
Professional Fundraising Fees $0
Other Salaries and Wages $71,191
24.8%
Assets/Debt
Total Assets $134,871
Total Liabilities $50,434
Net Assets $84,437
Compensation
Key Employees and Officers Compensation Related Other
Mark A Higgins (Vp/Secretary) $43,696 $0 $0
Michael L Edgar (President /T) $40,244 $0 $0
Mollie Curren (Board Member) $0 $0 $0
Michael W Mccue (Board Member) $0 $0 $0
Mark B Stolworthy (Board Member) $0 $0 $0
Stephanie Comeau (Board Member) $0 $0 $0
Kenneth Fitch (Board Member) $0 $0 $0
Matthew Geminiani (Board Member) $0 $0 $0
Laurie Laba (Board Member) $0 $0 $0
David Mccarter (Board Member) $0 $0 $0
Melissa Kenerson (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$282,459
Expenses
$272,793
Net Income
$9,666
Net Assets
$74,665
Notable Sources of Revenue Percent of Total Revenue
Contributions $162,769
57.6%
Program Services $119,690
42.4%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $75,886
27.8%
Professional Fundraising Fees $0
Other Salaries and Wages $67,685
24.8%
Assets/Debt
Total Assets $140,060
Total Liabilities $65,395
Net Assets $74,665

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$297,826
Expenses
$310,021
Net Income
-$12,195
Net Assets
$74,675
Notable Sources of Revenue Percent of Total Revenue
Contributions $157,373
52.8%
Program Services $140,453
47.2%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $77,466
25.0%
Professional Fundraising Fees $0
Other Salaries and Wages $94,409
30.5%
Assets/Debt
Total Assets $151,931
Total Liabilities $77,256
Net Assets $74,675

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2005

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2004

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2003

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2002

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2001

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

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Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

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