American Consumer Credit Counseling Inc

Auburndale, MA
Tax-exempt since Feb. 1994
EIN: 04-3166982

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Type of Nonprofit

Designated as a 501(c)3 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: Human Services — Multipurpose and Other / Financial Counseling, Money Management (NTEE)

Donations to this organization are tax deductible.

Details

According to its Dec. 2022 tax filing, this nonprofit:

Reported conflict of interest transactions

Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Revenue

$11M (2022)

Expenses

$11.6M (2022)

Total Assets

$17.8M (2022)

Total Liabilities

$2.41M (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

Revenue

$10,982,051

Expenses

$11,570,986

Net Income

-$588,935

Net Assets

$15,406,715

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$1,518,360	13.8%
Program Services	$9,217,436	83.9%
Investment Income	$238,225	2.2%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$8,030	0.1%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$639,294	5.5%
Professional Fundraising Fees	$0
Other Salaries and Wages	$5,775,182	49.9%

Assets/Debt
Total Assets	$17,821,275
Total Liabilities	$2,414,560
Net Assets	$15,406,715

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Allen Amadin (President &)	$225,328	$0	$18,655
Tracey R Macomber (Vp Governanc)	$164,160	$0	$11,498
Paul Glover (Senior Softw)	$144,748	$0	$15,320
Katherine H Ross (Executive Vp)	$132,794	$0	$16,859
Daniel Turner (Director Of)	$122,626	$0	$7,550
Donna M Conley (Vp & Clerk)	$117,012	$0	$7,026
Michelle Hurley (Customer Ser)	$106,786	$0	$6,838
James Currie (Director)	$2,250	$0	$0
Donald Fradette (Director)	$2,250	$0	$0
Kenneth V Lopez (Director)	$2,250	$0	$0
Mary Papazian (Director)	$2,250	$0	$0
Lilian Rojas (Director)	$2,250	$0	$0
John L Sergi (Director)	$2,250	$0	$0
Michael Silva (Director)	$2,250	$0	$0
Joseph Stasio (Director)	$2,250	$0	$0
Zepur Kahwajian (Director)	$1,125	$0	$0
Matthew Paradise (Director)	$1,125	$0	$0

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990

Filed on May 15, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

XML

Fiscal Year Ending Dec.
2021

Revenue

$13,306,197

Expenses

$10,853,717

Net Income

$2,452,480

Net Assets

$15,436,359

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$3,094,209	23.3%
Program Services	$9,962,190	74.9%
Investment Income	$195,104	1.5%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$4,019
Net Inventory Sales	$0
Other Revenue	$58,713	0.4%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$752,264	6.9%
Professional Fundraising Fees	$0
Other Salaries and Wages	$5,053,750	46.6%

Assets/Debt
Total Assets	$18,184,034
Total Liabilities	$2,747,675
Net Assets	$15,436,359

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Allen Amadin (President &)	$240,019	$0	$18,849
Tracey R Macomber (Vp Governanc)	$190,042	$0	$11,985
Katherine H Ross (Vice Preside)	$177,147	$0	$17,476
Paul Glover (Senior Softw)	$145,894	$0	$17,080
Donna M Conley (V.P.& Clerk)	$145,056	$0	$6,612
Michelle Hurley (Customer Ser)	$132,526	$0	$6,687
James Currie (Director)	$2,250	$0	$0
Donald Fradette (Director)	$2,250	$0	$0
Kenneth V Lopez (Director)	$2,250	$0	$0
Mary Papazian (Director)	$2,250	$0	$0
Lilian Rojas (Director)	$2,250	$0	$0
John L Sergi (Director)	$2,250	$0	$0
Michael Silva (Director)	$2,250	$0	$0
Joseph Stasio (Director)	$2,250	$0	$0

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990

Filed on Aug. 27, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

XML

Fiscal Year Ending Dec.
2020

Revenue

$12,441,274

Expenses

$11,780,884

Net Income

$660,390

Net Assets

$13,033,065

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$1,396,819	11.2%
Program Services	$10,765,512	86.5%
Investment Income	$209,314	1.7%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$360	0.0%
Net Inventory Sales	$0
Other Revenue	$69,269	0.6%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,129,316	9.6%
Professional Fundraising Fees	$0
Other Salaries and Wages	$5,199,783	44.1%

Assets/Debt
Total Assets	$16,994,490
Total Liabilities	$3,961,425
Net Assets	$13,033,065

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Steven R Trumble (Pres. & Ceo)	$823,628	$0	$6,734
Allen Amadin (Counsel Mgr)	$183,761	$0	$16,783
Paul Glover (It Manager)	$149,420	$0	$14,652
Katherine H Ross (Education &)	$137,870	$0	$16,254
Tracey R Macomber (Qa Manager)	$131,832	$0	$12,796
Michelle Hurley (Customer Ser)	$111,794	$0	$6,734
Donna M Conley (Clerk)	$105,927	$0	$6,734
James Currie (Director)	$2,000	$0	$0
Donald Fradette (Director)	$2,000	$0	$0
Kenneth V Lopez (Director)	$2,000	$0	$0
Mary Papazian (Director)	$2,000	$0	$0
Lilian Rojas (Director)	$2,000	$0	$0
John L Sergi (Director)	$2,000	$0	$0
Michael Silva (Director)	$2,000	$0	$0
Joseph Stasio (Director)	$2,000	$0	$0

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990

Filed on July 17, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

XML

Fiscal Year Ending Dec.
2019

Revenue

$12,552,599

Expenses

$12,335,527

Net Income

$217,072

Net Assets

$12,427,038

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$1,224,515	9.8%
Program Services	$10,873,339	86.6%
Investment Income	$293,237	2.3%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$161,508	1.3%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$787,921	6.4%
Professional Fundraising Fees	$0
Other Salaries and Wages	$5,771,755	46.8%

Assets/Debt
Total Assets	$15,426,366
Total Liabilities	$2,999,328
Net Assets	$12,427,038

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2018

Revenue

$12,102,828

Expenses

$12,059,041

Net Income

$43,787

Net Assets

$12,178,908

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$1,319,317	10.9%
Program Services	$10,522,615	86.9%
Investment Income	$231,693	1.9%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$29,203	0.2%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$446,021	3.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$5,853,957	48.5%

Assets/Debt
Total Assets	$15,313,799
Total Liabilities	$3,134,891
Net Assets	$12,178,908

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2017

Revenue

$11,741,111

Expenses

$12,095,075

Net Income

-$353,964

Net Assets

$12,318,380

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$1,285,600	10.9%
Program Services	$10,150,893	86.5%
Investment Income	$189,618	1.6%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$184,205	1.6%
Net Inventory Sales	$0
Other Revenue	-$69,205

Notable Expenses		Percent of Total Expenses
Executive Compensation	$446,179	3.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$5,863,806	48.5%

Assets/Debt
Total Assets	$15,467,428
Total Liabilities	$3,149,048
Net Assets	$12,318,380

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2016

Revenue

$12,209,529

Expenses

$12,220,842

Net Income

-$11,313

Net Assets

$12,692,713

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$1,467,166	12.0%
Program Services	$10,329,730	84.6%
Investment Income	$141,702	1.2%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$270,931	2.2%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$444,807	3.6%
Professional Fundraising Fees	$0
Other Salaries and Wages	$5,966,766	48.8%

Assets/Debt
Total Assets	$15,290,900
Total Liabilities	$2,598,187
Net Assets	$12,692,713

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2015

Revenue

$12,768,595

Expenses

$12,598,165

Net Income

$170,430

Net Assets

$12,689,375

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$1,727,155	13.5%
Program Services	$10,892,023	85.3%
Investment Income	$128,625	1.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$20,792	0.2%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$0
Professional Fundraising Fees	$0
Other Salaries and Wages	$6,371,358	50.6%

Assets/Debt
Total Assets	$17,810,742
Total Liabilities	$5,121,367
Net Assets	$12,689,375

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2014

Revenue

$13,705,458

Expenses

$12,960,935

Net Income

$744,523

Net Assets

$12,598,268

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$1,657,628	12.1%
Program Services	$11,826,047	86.3%
Investment Income	$148,508	1.1%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$1,000	0.0%
Net Inventory Sales	$0
Other Revenue	$72,275	0.5%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$628,813	4.9%
Professional Fundraising Fees	$0
Other Salaries and Wages	$5,761,825	44.5%

Assets/Debt
Total Assets	$17,820,088
Total Liabilities	$5,221,820
Net Assets	$12,598,268

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2013

Revenue

$14,413,580

Expenses

$14,009,599

Net Income

$403,981

Net Assets

$11,853,746

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$1,872,689	13.0%
Program Services	$12,311,764	85.4%
Investment Income	$52,024	0.4%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$2,000	0.0%
Net Inventory Sales	$0
Other Revenue	$175,103	1.2%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$557,291	4.0%
Professional Fundraising Fees	$0
Other Salaries and Wages	$5,750,971	41.1%

Assets/Debt
Total Assets	$17,157,243
Total Liabilities	$5,303,497
Net Assets	$11,853,746

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2012

Revenue

$13,698,556

Expenses

$13,535,701

Net Income

$162,855

Net Assets

$11,449,765

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$1,417,355	10.3%
Program Services	$12,141,122	88.6%
Investment Income	$32,951	0.2%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$107,128	0.8%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$439,536	3.2%
Professional Fundraising Fees	$0
Other Salaries and Wages	$5,889,195	43.5%

Assets/Debt
Total Assets	$16,837,247
Total Liabilities	$5,387,482
Net Assets	$11,449,765

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Revenue

$12,725,559

Expenses

$12,515,351

Net Income

$210,208

Net Assets

$11,286,910

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$1,298,137	10.2%
Program Services	$11,351,571	89.2%
Investment Income	$53,647	0.4%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$22,204	0.2%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$113,849	0.9%
Professional Fundraising Fees	$0
Other Salaries and Wages	$6,299,805	50.3%

Assets/Debt
Total Assets	$16,130,561
Total Liabilities	$4,843,651
Net Assets	$11,286,910

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2010

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2009

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2008

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2007

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2005

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2004

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2003

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2002

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2001

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

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

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

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Raw filing data. Includes EINs and summary financials as structured data.
Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

Updated April 24, 2024

American Consumer Credit Counseling Inc

Organization summary

Type of Nonprofit

Details

Summary charts: organization finances over time

Revenue $11M (2022)

Expenses $11.6M (2022)

Total Assets $17.8M (2022)

Total Liabilities $2.41M (2022)

Tax Filings by Year

Fiscal Year Ending Dec. 2022

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2021

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2020

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2019

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2018

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2017

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2016

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2015

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2014

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2013

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2012

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2011

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2010

No Extracted Financial Data

Document Links

990

Revenue

$11M (2022)

Expenses

$11.6M (2022)

Total Assets

$17.8M (2022)

Total Liabilities

$2.41M (2022)

Fiscal Year Ending Dec.
2022

Fiscal Year Ending Dec.
2021

Fiscal Year Ending Dec.
2020

Fiscal Year Ending Dec.
2019

Fiscal Year Ending Dec.
2018

Fiscal Year Ending Dec.
2017

Fiscal Year Ending Dec.
2016

Fiscal Year Ending Dec.
2015

Fiscal Year Ending Dec.
2014

Fiscal Year Ending Dec.
2013

Fiscal Year Ending Dec.
2012

Fiscal Year Ending Dec.
2011

Fiscal Year Ending Dec.
2010

Fiscal Year Ending Dec.
2009

Fiscal Year Ending Dec.
2008

Fiscal Year Ending Dec.
2007

Fiscal Year Ending Dec.
2005

Fiscal Year Ending Dec.
2004

Fiscal Year Ending Dec.
2003

Fiscal Year Ending Dec.
2002

Fiscal Year Ending Dec.
2001