2024-07-31T12:20:50-04:00 2023-12-31 460257538 KETEL THORSTENSON LLP PO BOX 3140 RAPID CITY SD 577093140 990 2023-01-01 237364664 RUSHMORE CONSUMER CREDIT RESOURCE CENTER RUSH 6053484550 2310 NORTH MAPLE AVENUE RAPID CITY SD 577017849 BONNIE SPAIN EXECUTIVE DIRECTOR 6057211748 2024-07-31 true true JEANETTE SCHROEDER CPA P00479382 6053425630 2024-07-31 2023 2024-08-08 14:25:15Z CCCS OF THE BH AND ACCE BONNIE SPAIN 2310 N MAPLE AVE RAPID CITY SD 57701 358220 false X WWW.CCCSBH.COM X 1974 SD IMPROVING FINANCIAL STABILITY THROUGH EDUCATION FOR A LIFETIME OF FINANCIAL WELL-BEING. 12 12 4 12 0 177242 203717 49910 38081 1224 5018 97754 101309 326130 348125 5400 0 0 191045 209728 0 0 147776 143796 344221 353524 -18091 -5399 1146288 1126274 233359 218742 912929 907532 X IMPROVING FINANCIAL STABILITY THROUGH COUNSELING AND EDUCATION. WE SUPPORT THE FINANCIAL WELLNESS OF ALL. false false 255057 38081 CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS PROVIDES COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: PRE-PURCHASE HOUSING COUNSELING AND HOMEBUYER EDUCATION, AND LOSS MITIGATION FORECLOSURE PREVENTION COUNSELING. A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 2 HOURS AND HELPS THEM DEVELOP A PERSONALIZED ACTION PLAN TO OVERCOME THEIR HOUSING AND FINANCIAL OBSTACLES AND OBTAIN AND MAINTAIN SAFE AND AFFORDABLE HOUSING, INCREASE THEIR FINANCIAL STABILITY, AND REACH FINANCIAL GOALS. WE PROVIDED HOUSING AND FINANCIAL COUNSELING FOR 486 HOUSEHOLDS AND DMP CLIENTS. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES, THE FINANCIAL COUNSELING ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAMS IS A VIABLE OPTION THAT HELPS THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS. OUR DEBT MANAGEMENT CLIENTS REPAID OVER 434,137.50. 29616 85296 THE AMERICAN CENTER FOR CREDIT EDUCATION DEVELOPS AND PUBLISHES FINANCIAL EDUCATION PROGRAMS INCLUDING CREDIT WHEN CREDIT IS DUE, MAKE YOUR MOVE - A GUIDE TO HOMEOWNERSHIP, MONEY IN MOTION, START RIGHT: BUILD YOUR OWN BUSINESS, REBUILDING YOUR CREDIT, CUT THROUGH THE CONFUSION ON HEALTH INSURANCE AND MEDICAL BILLS, AND TEN STEPS TO BUYING A CAR. WE ALSO DISTRIBUTE THESE PROGRAMS NATIONWIDE TO NON-PROFIT CREDIT AND HOUSING COUNSELING AGENCIES AND COMMUNITY ACTION AGENCIES. WE HAVE DISTRIBUTED 1,843,335 FINANCIAL LITERACY PROGRAMS. LOCALLY, WE PROVIDED OUR FINANCIAL LITERACY PROGRAMS TO OUR CLIENTS, HIGH SCHOOLS, UNIVERSITIES, NON-PROFIT ORGANIZATIONS, THE MILITARY, EMPLOYERS, CORRECTIONAL FACILITIES, JOB TRAINING, RESERVATIONS, GOVERNMENT AGENCIES, AND MORE. IN SOUTH DAKOTA WE PROVIDED FINANCIAL EDUCATION PROGRAMS TO 778 INDIVIDUALS VIA THE CLASSROOM AND 335 ONLINE. 284673 true true false false false false false false false false true false false false false true true false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 3 0 4 true false false false false false false false false false false false false X 12 12 false false false false false false false true true false false true true true true true true true true false X X BONNIE SPAIN 6053484550 2310 N MAPLE AVE RAPID CITY SD 57701 BONNIE SPAIN EXECUTIVE DI 40.00 X 78620 0 3805 DEEANN M DIETRICH CHAIRWOMAN 2.00 X X 0 0 0 CAROLYN A TEIGEN VICE CHAIRWO 2.00 X X 0 0 0 MELISSA K MONTGOMERY TREASURER 2.00 X X 0 0 0 KATHERINE D LEE SECRETARY 2.00 X X 0 0 0 RICK L BRADY BOARD MEMBER 1.00 X 0 0 0 ELTON J FINCK BOARD MEMBER 1.00 X 0 0 0 CURTIS S JENSEN BOARD MEMBER 1.00 X 0 0 0 RICK S KAHLER BOARD MEMBER 1.00 X 0 0 0 DAPHNE G PEREZ BOARD MEMBER 1.00 X 0 0 0 TINA M RAWSTERN BOARD MEMBER 1.00 X 0 0 0 AMY R THOMPSON BOARD MEMBER 1.00 X 0 0 0 COREY R WEBER BOARD MEMBER 1.00 X 0 0 0 78620 3805 false false false 10000 155431 38286 203717 DEBT MANAGEMENT PROGRAM 541990 38081 38081 38081 5018 5018 16013 16013 16013 16013 95391 10095 85296 85296 348125 123377 21031 82426 61820 20606 102623 85299 17324 10913 8665 2248 13766 10930 2836 11737 8551 3186 12473 12473 13504 10533 2971 50543 40358 10185 3213 3213 408 46 362 24708 19594 5114 19326 15339 3987 DUES 7030 7030 MISCELLANEOUS 854 822 32 353524 284673 68851 0 107364 70504 214457 253046 36151 36728 1519 1416 16442 19463 1325 795 1067781 323459 769030 744322 1146288 1126274 34102 34499 192962 184243 6295 233359 218742 X 907629 898765 5300 8767 912929 907532 1146288 1126274 X -5399 2 X X false true X true false X 375625 269154 231607 177242 203717 1257345 375625 269154 231607 177242 203717 1257345 123571 1133774 19721 20897 20457 21068 21031 103174 1254 20 237 422 1933 1362452 941568 0.83220 0.85500 X PART II, LINE 10 MISCELLANEOUS INCOME 1,933 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 279900 279900 720100 256500 463600 20587 19765 822 47194 47194 744322 X 348125 348125 348125 353522 353522 2 2 353524 SCHEDULE D, PAGE 3, PART X AT DECEMBER 31, 2023 AND 2022, THE ORGANIZATION BELIEVES THERE ARE NO SIGNIFICANT UNCERTAIN TAX POSITIONS OR LIABILITIES, OR INTEREST AND PENALTIES ASSOCIATED WITH UNCERTAIN TAX POSITIONS. SCHEDULE D, PAGE 4, PART XII, LINE 4B ROUNDING 2 FORM 990, PAGE 2, PART III, LINE 4A CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS PROVIDES COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: PRE-PURCHASE HOUSING COUNSELING AND HOMEBUYER EDUCATION, AND LOSS MITIGATION FORECLOSURE PREVENTION COUNSELING. A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 2 HOURS AND HELPS THEM DEVELOP A PERSONALIZED ACTION PLAN TO OVERCOME THEIR HOUSING AND FINANCIAL OBSTACLES AND OBTAIN AND MAINTAIN SAFE AND AFFORDABLE HOUSING, INCREASE THEIR FINANCIAL STABILITY, AND REACH FINANCIAL GOALS. WE PROVIDED HOUSING AND FINANCIAL COUNSELING FOR 486 HOUSEHOLDS AND DMP CLIENTS. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES, THE FINANCIAL COUNSELING ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAMS IS A VIABLE OPTION THAT HELPS THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS. OUR DEBT MANAGEMENT CLIENTS REPAID OVER 434,137.50. FORM 990, PAGE 2, PART III, LINE 4B THE AMERICAN CENTER FOR CREDIT EDUCATION DEVELOPS AND PUBLISHES FINANCIAL EDUCATION PROGRAMS INCLUDING CREDIT WHEN CREDIT IS DUE, MAKE YOUR MOVE - A GUIDE TO HOMEOWNERSHIP, MONEY IN MOTION, START RIGHT: BUILD YOUR OWN BUSINESS, REBUILDING YOUR CREDIT, CUT THROUGH THE CONFUSION ON HEALTH INSURANCE AND MEDICAL BILLS, AND TEN STEPS TO BUYING A CAR. WE ALSO DISTRIBUTE THESE PROGRAMS NATIONWIDE TO NON-PROFIT CREDIT AND HOUSING COUNSELING AGENCIES AND COMMUNITY ACTION AGENCIES. WE HAVE DISTRIBUTED 1,843,335 FINANCIAL LITERACY PROGRAMS. LOCALLY, WE PROVIDED OUR FINANCIAL LITERACY PROGRAMS TO OUR CLIENTS, HIGH SCHOOLS, UNIVERSITIES, NON-PROFIT ORGANIZATIONS, THE MILITARY, EMPLOYERS, CORRECTIONAL FACILITIES, JOB TRAINING, RESERVATIONS, GOVERNMENT AGENCIES, AND MORE. IN SOUTH DAKOTA WE PROVIDED FINANCIAL EDUCATION PROGRAMS TO 778 INDIVIDUALS VIA THE CLASSROOM AND 335 ONLINE. FORM 990, PAGE 6, PART VI, LINE 11B IT IS OUR POLICY TO PROVIDE THE 990 TO THE FULL BOARD PRIOR TO FILING. COPIES ARE DISTRIBUTED AT A REGULAR BOARD MEETING AND APPROVED BY THE FULL BOARD PRIOR TO FILING. THE BOARD CHAIRMAN OR THE CEO SIGNS THE 990. FORM 990, PAGE 6, PART VI, LINE 12C BOARD MEMBERS SIGN A BOARD PLEDGE ANNUALLY. BOAD MEMBERS AND KEY STAFF ARE REQUIRED TO DISCLOSE ANY POTENTIAL CONFLICTS OF INTEREST AND SIGN A CONFLICT OF INTEREST FORM ANNUALLY. IF A BOARD MEMBER HAS A POTENTIAL CONFLICT OF INTEREST, THEY MUST RECUSE THEMSELVES FROM PARTICIPATING IN ANY VOTE TAKEN IN RESPECT TO SUCH TRANSACTION OR SERVICE OF INTEREST. AFTER DISCLOSING THE POSSIBLE CONFLICT, THE BOARD INVESTIGATES ALTERNATIVES TO THE PROPOSED TRANSACTION. FORM 990, PAGE 6, PART VI, LINE 15A THE CEO PREPARES A COMPENSATION ANALYSIS EACH YEAR BASED ON REGIONAL DATA. THIS ANALYSIS IS REVIEWED BY THE PERSONNEL COMMITTEE AND ADJUSTMENTS ARE MADE AS NECESSARY. THE PERSONNEL COMMITTEE THEN RECOMMENDS A RANGE OF SALARY INCREASES BASED ON THE BUDGET FOR APPROVAL BY THE FULL BOARD OF DIRECTORS. FORM 990, PAGE 6, PART VI, LINE 15B THE CEO PREPARES A COMPENSATION ANALYSIS EACH YEAR BASED ON REGIONAL DATA. THIS ANALYSIS IS REVIEWED BY THE PERSONNEL COMMITTEE AND ADJUSTMENTS ARE MADE AS NECESSARY. THE PERSONNEL COMMITTEE THEN RECOMMENDS A RANGE OF SALARY INCREASES BASED ON THE BUDGET FOR APPROVAL BY THE FULL BOARD OF DIRECTORS. FORM 990, PAGE 6, PART VI, LINE 19 THESE DOCUMENTS ARE PROVIDED TO THE UNITED WAY AS WELL AS THE COUNCIL ON ACCREDIDATION FOR CHILDREN AND FAMILIES, HUD, SD HOUSING DEVELOPMENT AUTHORITY, AND THE NATIONAL FOUNDATION FOR CREDIT COUNSELING. THEY ARE ALSO AVAILABLE UPON REQUEST. THE AUDITED FINANCIAL STATEMENTS AND FORM 990 ARE ALSO AVAILABLE ON THE ORGANIZATION'S WEBSITE. FORM 990, PART XI, LINE 9 ROUNDING 2 FORM 990, PAGE 12, PART XII, LINE 2C THE BOARD OF DIRECTORS SOUGHT BIDS FOR THE AUDITORS FOR THE 2023 AUDIT. IN THE PROCESS THEY FOUND THAT SOME ACCOUNTING FIRMS IN RAPID CITY NO LONGER OFFER AUDITING SERVICES. THE BOARD ALSO RESEARCHED THE COST OF AUDITS. IN THE PROCESS THE BOARD MET AND VOTED TO CHOSE A NEW AUDITING FIRM, KETEL THORSTENSON LLP, AND SIGNED A THREE-YEAR AGREEMENT WITH THEM.