2023-08-08T13:48:31-05:00 2022-12-31 381357951 PLANTE & MORAN PLLC 250 S HIGH ST SUITE 100 COLUMBUS OH 43215 990 2022-01-01 310731111 CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC CONS 8003552227 700 TAYLOR ROAD 190 GAHANNA OH 43230 JONATHAN M CANTRELL CEO 8003552227 2023-08-01 1 JONATHAN CANTRELL 999009999 0 AMY CIMINELLO P00796388 6148493000 2023-08-01 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z APPRISEN JONATHAN M CANTRELL 700 TAYLOR ROAD 190 GAHANNA OH 43230 6924431 0 X WWW.APPRISEN.COM X 1967 OH SEE SCHEDULE O 8 8 32 8 0 0 3498424 2154689 1561344 1339432 123682 -137684 -16108 -7220 5167342 3349217 0 0 0 0 2679626 2379335 0 0 133061 1272262 1362968 3951888 3742303 1215454 -393086 5434834 5184933 916000 1029172 4518834 4155761 HELPING PEOPLE IMPROVE THEIR FINANCIAL WELL-BEING THROUGH COUNSELING, COMMUNITY OUTREACH AND FINANCIAL EDUCATION. 0 0 2041699 0 1301811 APPRISEN PROVIDES COMPREHENSIVE FINANCIAL COUNSELING AND EDUCATION TO INDIVIDUALS AND FAMILIES SEEKING TO IMPROVE THEIR FINANCIAL HEALTH. IN 2022, WE HELD APPROXIMATELY 7,477 CONFIDENTIAL COUNSELING SESSIONS WITH PREDOMINANTLY LOW-TO-MODERATE INCOME CONSUMERS. OUR CERTIFIED COUNSELORS REVIEW INCOME, MONTHLY EXPENSES AND DEBT. THEY WORK WITH THE CLIENT TO SET FINANCIAL GOALS AND CREATE A PLAN TO ACHIEVE THEM. THE CLIENT RECEIVES A CUSTOMIZED PLAN OF ACTION TO IMPROVE THEIR FINANCIAL HEALTH. 21% OF THOSE COUNSELED ENTER INTO A DEBT MANAGEMENT PROGRAM (DMP). THE DMP IS A STRUCTURED PROGRAM THAT HELPS INDIVIDUALS REPAY THEIR UNSECURED DEBT. IN 2022, INDIVIDUALS IN OUR DMP PAID DOWN $23,313,876 WORTH OF DEBT & 74% OF ENROLLEES COMPLETED THEIR DMP SUCCESSFULLY. 213799 0 5670 APPRISEN IS A HUD-CERTIFIED AGENCY, OFFERING PRE-PURCHASE COUNSELING, RENTAL COUNSELING AND FORECLOSURE PREVENTION COUNSELING. IN 2022, WE HELD 775 HOUSING-RELATED SESSIONS, THE MAJORITY OF WHICH FOCUSED ON DELINQUENT MORTGAGES AND FORECLOSURE PREVENTION. 459006 0 31951 APPRISEN PROVIDES COMMUNITY FINANCIAL EDUCATION AND OUTREACH PROGRAMS AIMED AT EMPOWERING INDIVIDUALS TO BUILD THEIR FINANCIAL HEALTH. WE WORK CLOSELY WITH COMMUNITY ORGANIZATIONS AND BUSINESSES TO DETERMINE EXISTING AND EMERGING PERSONAL FINANCE ISSUES AND DEVELOP PROGRAMMING TO ADDRESS THOSE NEEDS. WE PROVIDED COMMUNITY PRESENTATIONS AND EXTENSIVE DIGITAL EDUCATION THROUGH OUR WEBINARS, BLOG AND SOCIAL MEDIA OUTLETS. IN 2022, WE REACHED OVER 185,000 PREDOMINATELY LMI INDIVIDUALS THROUGH OUR COMMUNITY BASED & ONLINE FINANCIAL EDUCATION EVENTS. 2714504 1 1 0 1 0 0 0 0 1 1 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 1 14 0 1 32 1 0 0 0 0 0 0 0 0 0 0 X 8 8 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 AK AL AR CA CO CT FL GA IL IN KS KY MA MD ME MI MN MS ND NH NJ NM NY OH OK OR PA RI TN UT VA WA WI WV SC X CHRISTOPHER J KALLAY 6145522222 700 TAYLOR ROAD SUITE 190 GAHANNA OH 43230 MICHAEL HARDING CHAIRPERSON OF THE BOARD 4.00 X X 0 0 0 JAY E MICHAEL DIRECTOR 2.00 X 0 0 0 TERESA HOLLAND RICH DIRECTOR 2.00 X 0 0 0 FREDERICK H HEYSE DIRECTOR 2.00 X 0 0 0 STEVE WEIKER DIRECTOR 2.00 X 0 0 0 JOSH CURTIS DIRECTOR 2.00 X 0 0 0 KAYLA SELHORST DIRECTOR 2.00 X 0 0 0 STACY TOKI DIRECTOR 2.00 X 0 0 0 JOHNNY M CANTRELL PRESIDENT/CEO 50.00 X 202568 0 32334 CHRISTOPHER J KALLAY VP/TREASUER/CFO 50.00 X 175082 0 41647 BRIAN YODER SECRETARY/DIRECTOR OF ADMI 40.00 X 89410 0 36619 467060 0 110600 2 0 1 0 EASYIT 4150 TULLER ROAD STE 234 DUBLIN OH 43017 IT MANAGED SERVICE PROVIDER 105879 1 84585 481984 1588120 91408 2154689 DEBT MANAGEMENT PROGRAM FEES 541990 1301811 1301811 FINANCIAL EDUCATION PROGRAM 611600 31951 31951 HOUSING EDUCATION 611600 5670 5670 1339432 52350 52350 18985 27467 -8482 -8482 -8482 3351821 5892 3547747 0 -195926 5892 -190034 -190034 SETTLEMENT REVENUE 900099 1262 1262 1262 3349217 1339432 0 -144904 584510 227976 309553 46981 1358528 1293241 -1106 66393 48321 43234 1040 4047 225937 221259 -3450 8128 162039 140625 13902 7512 42650 42650 20725 20725 300490 133028 167462 238153 63776 174377 14414 12692 1722 247990 202299 45691 68805 60812 7993 18291 6071 12220 3130 3130 37260 33180 4080 81603 35188 46415 BANK CHARGES 87693 65773 21920 MEMBERSHIP DUES 53053 51704 1349 TELECOM & UTILITIES 28670 27551 1119 POSTAGE 18266 17847 419 101775 78248 23527 3742303 2714504 894738 133061 1092287 549039 639708 158361 40405 801375 5678 0 165018 138951 4811496 4707932 68414 103564 3281956 3155266 126048 126048 15320 152329 5434834 5184933 425524 555612 9242 6936 375156 261948 0 103950 106078 100726 916000 1029172 X 4056302 3625277 462532 530484 4518834 4155761 5434834 5184933 -393086 30013 0 X X 0 1 X 1 0 X 2531850 2324416 2813284 3498424 2154689 13322663 2531850 2324416 2813284 3498424 2154689 13322663 5819291 7503372 122978 120292 110738 158491 71335 583834 6763 4800 1010 407 1262 14242 13920739 8347812 0.53900 0.52900 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 2741971 2741971 287099 71775 0 0 331230 318120 301107 287099 1237556 1856334 82808 79530 75277 71775 309390 464085 PART I-A, LINE 1: COLLABORATION WITH NFCC (NATIONAL FOUNDATION OF CREDIT COUNSELING) TO LOBBY STATE OF INDIANA TO AMEND DEBT MANAGEMENT REGULATIONS. THERE WERE NO ACTIVITIES CONDUCTED IN 2022. 0 1 X 73766 -7530 3688 530 62018 60940 16391 3047 518 73766 58615 5689 2931 433 60940 54397 7380 2720 443 58615 59499 -1544 2975 583 54397 1.00000 0.00000 0.00000 0 0 4425 4425 0 159947 135806 24141 4647124 4567701 79423 103564 LINE OF CREDIT 100726 100726 3385972 30013 30013 3355959 20725 -27467 -6742 3349217 3749045 27467 27467 3721578 20725 20725 3742303 PART IV, LINE 2B: CLIENT FUNDS ARE RECEIVED AND THEN DISBURSED TO THE CLIENT'S CREDITORS ON A MONTHLY BASIS. PART V, LINE 4: TO PROVIDE SUPPORT TO THE AGENCY TO CARRY OUT ITS EXEMPT MISSION. PART XI, LINE 4B - OTHER ADJUSTMENTS: RENTAL EXPENSES -27,467. PART XII, LINE 2D - OTHER ADJUSTMENTS: RENTAL EXPENSES 27,467. X X X X 0 0 0 0 0 0 0 1 0 JOHNNY M CANTRELL PRESIDENT/CEO 200000 0 0 0 2568 0 10000 0 22334 0 234902 0 0 0 CHRISTOPHER J KALLAY VP/TREASUER/CFO 167100 0 7500 0 482 0 8873 0 32774 0 216729 0 0 0 PART I, LINE 7 THE CEO PRESENTS BONUS COMPENSATION RECOMMENDATIONS TO THE BOARD COMPENSATION COMMITTEE. THE COMMITTEE REVIEWS AND APPROVES ALL BONUS COMPENSATION WHICH IS BASED ON A REFLECTION OF THE INDIVIDUAL'S PERFORMANCE IN RESPONSE TO CHALLENGING PROJECTS. X ADWORDS IN KIND DONATION 2 91408 FAIR MARKET VALUE 0 0 0 FORM 990, PART I, LINE 1 APPRISEN IS A 501 (C)(3) NONPROFIT DEDICATED TO BUILDING THE FINANCIAL HEALTH OF THE COMMUNITIES WE SERVE. WE ARE A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING, ACCREDITED BY COUNCIL ON ACCREDITATION, APPROVED BY THE EXECUTIVE OFFICE OF THE U.S. TRUSTEES, APPROVED BY HOUSING AND URBAN DEVELOPMENT AND HAVE AN A+ BBB RATING. APPRISEN HAS BEEN IN BUSINESS FOR 65 YEARS AND HAS HELPED OVER A MILLION INDIVIDUALS AND FAMILIES LEARN MONEY MANAGEMENT SKILLS, BALANCE THEIR BUDGET, BUILD CREDIT AND GET OUT OF DEBT. OUR TRUSTED FINANCIAL EXPERTS PROVIDE CUSTOMIZED ONE-ON-ONE GUIDANCE THAT IS CONFIDENTIAL & CONVENIENT. WE FIND SOLUTIONS TO INDIVIDUALS UNIQUE FINANCIAL CONCERNS IN AN ATMOSPHERE OF TRUST, CREATIVITY AND NON-JUDGEMENT. OUR PROGRAMS INCLUDE COMPREHENSIVE FINANCIAL REVIEW SESSIONS; FINANCIAL COACHING; HUD-APPROVED HOUSING COUNSELING; DEBT MANAGEMENT PROGRAM; EOUST-APPROVED BANKRUPTCY COUNSELING AND EDUCATION; STUDENT LOAN COUNSELING; SMALL BUSINESS FINANCIAL COUNSELING; CREDIT HEALTH EDUCATION, FINANCIAL HEALTH PLAN, COMMUNITY EDUCATION/OUTREACH. FORM 990, PART VI, SECTION B, LINE 11B TAX RETURN IS PREPARED BY A PUBLIC ACCOUNTING FIRM. UPON COMPLETION, THE RETURN IS REVIEWED BY THE CEO AND CFO AND PROVIDED TO THE BOARD'S AUDIT COMMITTEE FOR REVIEW AND APPROVAL. UPON APPROVAL BY THE COMMITTEE, THE RETURN IS PROVIDED TO ALL MEMBERS OF THE GOVERNING BOARD OF DIRECTORS AND THE RETURN IS FILED BY THE CFO. FORM 990, PART VI, SECTION B, LINE 12C ANY TRUSTEE, PRINCIPAL OFFICER, PAID CONSULTANT, EMPLOYEE OR MEMBER OF A COMMITTEE WHO CONDUCTS BUSINESS WITH OR PROVIDES PROFESSIONAL SERVICES TO THE ORGANIZATION MUST, IN CONNECTION WITH ANY ACTUAL OR POSSIBLE CONFLICT OF INTEREST, DISCLOSE THE EXISTENCE OF THEIR FINANCIAL INTEREST. NO PARTY WITH A POTENTIAL CONFLICT OF INTEREST MAY BE PRESENT DURING THE DISCUSSION OF, AND THE VOTE ON, THE TRANSACTION OR ARRANGEMENT INVOLVING THE POSSIBLE CONFLICT OF INTEREST. THE BOARD OR COMMITTEE CHAIR SHALL, IF APPROPRIATE, APPOINT A DISINTERESTED PERSON OR COMMITTEE TO INVESTIGATE ALTERNATIVES TO THE PROPOSED TRANSACTION OR ARRANGEMENT. AFTER EXERCISING DUE DILIGENCE, THE BOARD OR COMMITTEE SHALL DETERMINE WHETHER APPRISEN CAN OBTAIN, WITH REASONABLE EFFORTS, A MORE ADVANTAGEOUS TRANSACTION OR ARRANGEMENT FROM A PERSON OR ENTITY THAT WOULD NOT GIVE RISE TO A CONFLICT OF INTEREST. IF A MORE ADVANTAGEOUS TRANSACTION OR ARRANGEMENT IS NOT REASONABLY POSSIBLE UNDER CIRCUMSTANCES NOT PRODUCING A CONFLICT OF INTEREST, THE BOARD OR COMMITTEE SHALL DETERMINE BY A MAJORITY VOTE OF THE DISINTERESTED DIRECTORS WHETHER THE TRANSACTION OR ARRANGEMENT IS IN APPRISEN'S BEST INTEREST, FOR ITS OWN BENEFIT, AND WHETHER IT IS FAIR AND REASONABLE. IN CONFORMITY WITH THE ABOVE DETERMINATION IT SHALL MAKE ITS DECISION AS TO WHETHER TO ENTER INTO THE TRANSACTION OR ARRANGEMENT. IF THE BOARD OR COMMITTEE HAS REASONABLE CAUSE TO BELIEVE A TRUSTEE/EMPLOYEE HAS FAILED TO DISCLOSE ACTUAL OR POSSIBLE CONFLICTS OF INTEREST, IT SHALL INFORM THE TRUSTEE/EMPLOYEE OF THE BASIS FOR SUCH BELIEF AND AFFORD THE INTERESTED PERSON AN OPPORTUNITY TO EXPLAIN THE ALLEGED FAILURE TO DISCLOSE. IF THE BOARD OR COMMITTEE DETERMINES THE TRUSTEE/EMPLOYEE HAS FAILED TO DISCLOSE AN ACTUAL OR POSSIBLE CONFLICT OF INTEREST, IT SHALL TAKE APPROPRIATE DISCIPLINARY AND CORRECTIVE ACTION, INCLUDING REMOVAL FROM THE BOARD OR TERMINATION OF EMPLOYMENT. FORM 990, PART VI, SECTION B, LINE 15 CCCS OF THE MIDWEST, INC.'S OFFICER COMPENSATION PHILOSOPHY IS TO BE AT LEAST COMPETITIVE WITH THE INDUSTRIES IN WHICH IT COMPETES FOR EXECUTIVE AND LEADERSHIP TALENT. ADDITIONALLY, THE AGENCY IS COMMITTED TO AND HAS ADOPTED A COMPREHENSIVE AND FORMALIZED PROCESS OF OFFICER COMPENSATION GOVERNANCE THAT INCLUDES THE FOLLOWING KEY PROCEDURES: 1. COMPENSATION TO BE PAID TO DISQUALIFIED PERSONS SHALL BE APPROVED BY THE MEMBERS OF THE BOARD OF DIRECTORS WHO DO NOT HAVE A "CONFLICT OF INTEREST." 2. THE BOARD MUST APPROVE COMPENSATION ARRANGEMENTS IN ADVANCE OF PAYING COMPENSATION. 3. THE BOARD WILL DOCUMENT IN WRITING THE DATE AND TERMS OF THE APPROVED COMPENSATION ARRANGEMENT. 4. THE BOARD WILL DOCUMENT IN WRITING THE DECISION MADE BY EACH INDIVIDUAL WHO VOTED ON THE COMPENSATION ARRANGEMENT. 5. THE BOARD WILL APPROVE COMPENSATION ARRANGEMENTS BASED ON INFORMATION OBTAINED BY THE EXCECUTIVE COMPENSATION COMMITTEE REGARDING COMPENSATION PAID BY SIMILARLY SITUATED TAXABLE AND TAX EXEMPT ORGANIZATIONS. FORM 990, PART VI, SECTION C, LINE 19 COPIES OF ANY DOCUMENTS REQUESTED ARE PROVIDED TO THE REQUESTER VIA MAIL OR EMAIL WITHIN THREE BUSINESS DAYS OF THE REQUEST, FREE OF CHARGE. FORM 990, PART XII, LINE 2C THE PROCESS HAS NOT CHANGED SINCE THE PRIOR YEAR.