2024-11-14T13:26:50-05:00 2023-12-31 990 2023-01-01 520846275 CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC CONS 4435140600 6315 HILLSIDE CT STE B COLUMBIA MD 210463230 Lyle Lansdell Chief Financial Officer 7133943423 2024-11-14 2023 2024-10-15 13:58:12Z X HELENE RAYNAUD 6315 HILLSIDE CT STE B COLUMBIA MD 210463230 2517980 false X WWW.CCCSMD.ORG X 1966 MD TO HELP STABILIZE COMMUNITIES BY CREATING HOPE AND PROMOTING ECONOMIC SELF-SUFFICIENCY. X 12 12 0 10 0 0 2466402 2052048 299519 331509 27208 134423 0 0 2793129 2517980 1539189 1026163 0 0 1674107 1295875 0 0 0 725725 592290 3939021 2914328 -1145892 -396348 9200973 0 1531435 0 7669538 0 X TO IMPROVE THE FINANCIAL LIVES OF THE INDIVIDUALS AND COMMUNITIES WE SERVE.CREDIT COUNSELING SERVICE OF MD & DE, INC. (D/B/A CCCSMD) PROVIDES COMPREHENSIVE FINANCIAL SOLUTIONS TO PEOPLE WHO NEED OR WANT TO IMPROVE THEIR FINANCIAL WELL-BEING. WE ARE RECOGNIZED AS ONE OF THE COUNTRY'S MOST REPUTABLE PROVIDERS OF CREDIT COUNSELING, HOUSING COUNSELING, AND FINANCIAL EDUCATION AND COACHING. THROUGH A HOLISTIC, EDUCATIONAL APPROACH, CCCSMD EMPOWERS CLIENTS TO MAKE INFORMED FINANCIAL DECISIONS THAT WILL HELP THEM ACHIEVE THEIR FINANCIAL GOALS. false false 2468016 1100431 455607 CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE, INC., (CCCSMD) IS A NON-PROFIT HOUSING AND CREDIT COUNSELING ORGANIZATION FOUNDED IN 1966 BY A GROUP OF LOCAL BUSINESS LEADERS WHO RECOGNIZED A COMMUNITY NEED FOR FINANCIAL EDUCATION AND COUNSELING. CCCSMD PROVIDES A FULL RANGE OF CREDIT COUNSELING, DEBT MANAGEMENT, COMMUNITY EDUCATION, STUDENT LOAN COUNSELING, CREDIT BUILDING/REBUILDING, HOUSING COUNSELING. OUR CERTIFIED COUNSELORS AND COACHES HELP CONSUMERS UNDERSTAND AND ALLEVIATE FINANCIAL AND HOUSING ISSUES AND GAIN FINANCIAL STABILITY. 2468016 true true false false false false false false true false true false false false true true false true false false false false false false false false false true false true false false false false false false false false false false false false false true true false false false false false true 0 0 true 0 true false false 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 false false CA FL GA IL MD MI NJ NY PA VA WI X HELENE RAYNAUD 7133943098 6315 HILLSIDE CT STE B COLUMBIA MD 210463230 HELENE RAYNAUD PRESIDENT, CEO 40 0 X 200102 18009 10000 SUSAN FITZ VP, COUNSELING, PROGRAM & COMPLIANCE 40 0 X 107843 0 14020 EMILY HICKOX VP, MARKETING 40 0 X 105466 0 5273 BRIAN TAYLOR SECRETARY 0.5 0 X X 0 0 0 WILLIAM E MILLS III BOARD CHAIR 0.5 0 X X 0 0 0 MILLA KRASNOPOLSKY TREASURER 0.5 0 X X 0 0 0 LAURIE BENNER BOARD MEMBER 0.5 0 X 0 0 0 BLAKE ALLISON BOARD MEMBER 0.5 0 X 0 0 0 RAHN BARNES BOARD MEMBER 0.5 0 X 0 0 0 JUSTIN COUSINS BOARD MEMBER 0.5 0 X 0 0 0 LAUREN HUGHES BOARD MEMBER 0.5 0 X 0 0 0 BENJAMIN LOWENTHAL BOARD MEMBER 0.5 0 X 0 0 0 JOYCE ODONGO BOARD VICE CHAIR 0.5 0 X X 0 0 0 GAIL SANDERS BOARD MEMBER 0.5 0 X 0 0 0 SARAH COFFEY BOWES BOARD MEMBER 0.5 0 X 0 0 0 413411 18009 29293 3 false true false 0 0 0 0 0 1447942 604106 0 2052048 CLIENT FEES 900099 184305 184305 PARTNERSHIPS & WORKSHOPS 900099 147204 147204 331509 134423 134423 0 0 0 0 0 0 0 0 0 0 0 2517980 331509 0 134423 1026163 1026163 460715 395794 64919 645953 554931 91021 27900 22043 5857 83921 121936 -38014 77386 65856 11529 29035 29035 108051 108051 46198 46198 46198 0 31146 27665 3481 11370 11370 68503 40344 28159 91768 65528 26240 93090 46773 46317 6010 6010 4197 2099 2098 20096 9713 10383 DUES & FEES 43291 43291 LICENSING & ACCREDITATION 7052 7052 PAYROLL SERVICE CHARGES 8277 4292 3985 24206 24206 2914328 2468014 446311 0 355535 0 638296 0 5392 0 578872 0 3098 0 13702 0 7286790 0 319288 0 9200973 0 1014810 0 202748 0 3083 0 310794 0 1531435 0 X 7669538 0 7669538 0 9200973 0 -396348 0 -7273190 X true X false true true true X 1150478 1710321 1749599 2466402 2199254 9276054 604906 435262 334206 299519 184305 1858198 1755384 2145583 2083805 2765921 2383559 11134252 4400 974 2025 2000 100 9499 4400 974 2025 2000 100 9499 11124753 255973 220690 380806 193328 166017 1216814 255973 220690 380806 193328 166017 1216814 103844 439 104283 2115201 2366273 2465050 2959249 2549576 12455349 0.8932 0.8799 0.0977 0.1107 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 2383559 -134421 -134421 2517980 0 2517980 2868130 0 2868130 0 2868130 true CONSUMER EDUCATION SERVICES INC CESI 3700 BARRETT DRIVE RALEIGH NC 27609 562106758 501(C)(3) 245434 COMPREHENSIVE HOUSING/HOUSING STABILITY TAKECHARGE 20620 NORTH 19TH AVE PHOENIX AZ 85027 860593598 501(C)(3) 95950 COMPREHENSIVE HOUSING/HOUSING STABILITY CCCS OF BUFFALO 40 GARDENVILLE PKWY STE 300 WEST SENECA NY 14224 160909583 501(C)(3) 12342 COMPREHENSIVE HOUSING/HOUSING STABILITY CONSUMER DEBT COUNSELORS 831 W MORSE BLVD WINTER PARK FL 32789 593548266 501(C)(3) 193920 COMPREHENSIVE HOUSING/HOUSING STABILITY SERVICES OF HOPE 5470 ELLSWORTH AVENUE DALLAS TX 75206 331104425 501(C)(3) 9819 COMPREHENSIVE HOUSING/HOUSING STABILITY RESERVOIR HILL IMPROVEMENT COUNCIL 10 E NORTH AVE SUITE 5 BALTIMORE MD 21202 521310017 501(C)(3) 10234 COMPREHENSIVE HOUSING/HOUSING STABILITY MONEY MANAGEMENT INTERNATIONAL INC 12603 SOUTHWEST FWY STE 450 STAFFORD TX 77478 541837741 501(C)(3) 490295 HOUSING STABILITY CLARIFI 1635 MARKET STREET PHILADELPHIA PA 19103 231671903 501(C)(3) 1950 HOUSING STABILITY PARACHUTE CREDIT COUNSELING 40 Gardenville Pkwy Ste 300 WEST SENECA NY 14224 160909583 501(C)(3) 27484 COMPREHENSIVE HOUSING/HOUSING STABILITY FAMILYMEANS 1875 NORTHWESTERN AVE SOUTH STILLWATER MN 55082 416045574 501(C)(3) 13000 COMPREHENSIVE HOUSING/HOUSING STABILITY 10 0 Part I Line 2 OVERSIGHT OF SUB-GRANTEE ACTIVITIES IS ACCOMPLISHED THROUGH PERIODIC PERFORMANCE REVIEWS AND, WHEN DETERMINED NECESSARY, RANDOM REVIEWS OF BOTH CLIENT FILES AND OTHER EXPENDITURES AT THE TIME OF REPORTING SUBMISSION. AT THE TIME OF INITIATING A PERFORMANCE REVIEW, THE SUB-GRANTEE IS SENT A LETTER ADVISING OF THE REVIEW, WHICH INCLUDES THE DATE EITHER A DESK REVIEW OR ON-SITE REVIEW WILL TAKE PLACE AND A LIST OF THE DOCUMENTS THAT MUST BE SUBMITTED PRIOR TO THE DATE OF THE REVIEW. THE REVIEW LOOKS AT PROGRAMMATIC REQUIREMENTS OF COUNSELING ACTIVITIES, AND FINANCIAL AND CORPORATE COMPLIANCE ITEMS. ADDITIONALLY, CCCSMD UTILIZES THE HUD FORM 9910 FOR THE SUB-GRANTEE TO PERFORM A SELF-CERTIFICATION, AND THE FORM IS SUBSEQUENTLY USED TO VALIDATE AND VERIFY ALL REQUIRED COMPONENTS DURING THE REVIEW. A RANDOM SELECTION OF 8-10 REPORTED COUNSELING SESSIONS AND/OR GROUP EDUCATION FILES ARE SELECTED FOR REVIEW, AND EACH IS REVIEWED FOR COMPLIANCE WITH ALL PROGRAMMATIC REQUIREMENTS. ADDITIONAL NON-COUNSELING EXPENDITURES MAY ALSO BE SELECTED FOR REVIEW, IF APPLICABLE. AN 80% OR HIGHER SCORE IS EXPECTED, AND IF THE SUB-GRANTEE FALLS BELOW THAT PERFORMANCE LEVEL, A REMEDIATION PLAN IS REQUIRED. ANY FINDINGS MUST BE CLEARED WITHIN 14 DAYS AND EVIDENCE PROVIDED REFLECTING THAT CORRECTIVE ACTION(S) WERE TAKEN. CCCSMD FOLLOWS UP ON OUTSTANDING FINDINGS UNTIL AN ACCEPTABLE RESOLUTION OCCURS. RECURRING ISSUES MAY RESULT IN A SUB-GRANTEE'S FUNDING BEING WITHHELD UNTIL A RANDOM REVIEW PERFORMED AT EACH REIMBURSEMENT REQUEST VERIFYING THAT ALL FINDINGS ARE RESOLVED. SHOULD AN ACCEPTABLE RESOLUTION NOT BE OBTAINED, FUNDING RECAPTURE MAY BE INITIATED. X X X X false false false false false false false false false HELENE RAYNAUD PRESIDENT, CEO 200103 0 10000 18009 228112 0 true true false false true true true true false true Part I Line 2a Name of the Person: HELENE RAYNAUD, Explanation: HELENE RAYNAUD WAS HIRED AS SR. VICE PRESIDENT, HOUSING INITIATIVES BY THE SUCCESSOR ORGANIZATION, MONEY MANAGEMENT INTERNATIONAL, INC. (MMI) Part I Line 2b Name of the Person: SUSAN FITZ, EMILY HICKOX, Explanation: SUSAN FITZ WAS HIRED AS VICE PRESIDENT, HOUSING INITIATIVES BY THE SUCCESSOR ORGANIZATION, MONEY MANAGEMENT INTERNATIONAL, INC. (MMI) EMILY HICKOX WAS HIRED AS DIRECTOR, STORYTELLING Part XI Line 9 CCCSMD DISCONTINUED OPERATIONS AND MERGED INTO MONEY MANAGEMENT INTERNATIONAL (MMI) ON OCTOBER 31, 2023. - -7273190 Part VI Line 11b THE FORM 990 WAS PREPARED BY THE SUCCESSOR ORGANIZATION AND REVIEWED BY THE FORMER CEO, THE BOARD CHAIR, AND AT LEAST ONE OTHER EXECUTIVE MEMBER OF THE BOARD. THE 990 WAS THEN MADE AVAILABLE TO THE ENTIRE BOARD PRIOR TO FILING WITH THE IRS. Part VI Line 12c ANY BOARD MEMBER WHO HAS A DIRECT OR INDIRECT INVOLVEMENT, OR ANY FINANCIAL INTEREST WHATSOEVER, IN CONNECTION WITH ANY TRANSACTION INVOLVING THE CORPORATION, OR IN PROVIDING ANY GOODS OR SERVICES TO THE CORPORATION, SHALL DISCLOSE THE NATURE AND SUBSTANCE OF THAT INTEREST OR INVOLVEMENT TO THE OTHER MEMBERS OF THE BOARD AND SHALL ABSTAIN FROM VOTING ON ANY MATTER WHICH TOUCHES OR CONCERNS THE SAID MATTER. BOARD MEMBERS ARE PROHIBITED FROM HAVING ANY DIRECT OR INDIRECT OWNERSHIP OR OTHER FINANCIAL INTEREST IN THE ASSETS OF THE CORPORATION, OR IN REAL OR PERSONAL PROPERTY LEASED OR USED BY THE CORPORATION. Part VI Line 19 IF REQUESTS ARE RECEIVED TO VIEW THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, OR FINANCIAL STATEMENTS, THE ORGANIZATION WILL CONSULT WITH ITS PROFESSIONAL COUNSEL BEFORE MAKING PUBLIC. Part VI Line 15b COMPENSATION OF THE ORGANIZATION'S CEO IS REVIEWED EACH YEAR BY THE EXECUTIVE COMMITTEE. A COMPENSATION SURVEY OR STUDY MAY BE DONE TO MONITOR APPROPRIATE COMPENSATION, AND ANY CHANGES IN COMPENSATION ARE APPROVED BY THE EXECUTIVE COMMITTEE. THE CEO DETERMINES COMPENSATION FOR THE ORGANIZATION'S OTHER OFFICERS AND KEY EMPLOYEES.