2025-12-12T14:39:16-06:00 2025-01-31 223025673 THOMAS VASTARDIS CPA 30 FRENEAU AVENUE BLDG B UNIT 2D MATAWAN NJ 07747 990 2024-02-01 592261789 CONSOLIDATED CREDIT SOLUTIONS INC CONS 9543779635 5701 W SUNRISE BLVD 100 FORT LAUDERDALE FL 33313 IVAN REZVOY CFO 9543779635 2025-12-11 1 1 THOMAS VASTARDIS P00576756 7322381908 X 2024 2025-03-06 01:10:19Z IVAN REZVOY 5701 WEST SUNRISE BLVD FT LAUDERDALE FL 33313 22174919 0 X WWW.CONSOLIDATEDCREDITSOLUTIONS.ORG X 1983 FL SEE RELATED FOOTNOTE ON SCHEDULE O 4 4 146 0 0 0 2743823 2921578 16490981 18964455 76049 50922 738717 237964 20049570 22174919 83500 41760 0 0 6943543 6922418 0 0 0 12993212 15269898 20020255 22234076 29315 -59157 5899023 6045783 5521468 5727385 377555 318398 TO ASSIST INDIVIDUALS WHO ARE EXPERIENCING FINANCIAL DIFFICULTIES THROUGH PROFESSIONAL COUNSELING AND FINANCIAL EDUCATION. 0 0 666778 41760 850179 CONSOLIDATED CREDIT SOLUTIONS OFFERS LOSS MITIGATION AND FORECLOSURE PREVENTION COUNSELING, 1ST TIME HOMEBUYER EDUCATION, A SUBSTANTIAL FINANCIAL LITERACY PROGRAM, CREDIT COUNSELING, AND REVERSE MORTGAGE COUNSELING. CONSOLIDATED CREDIT SOLUTIONS IS COMMITTED TO BRINGING FINANCIAL EDUCATION PROGRAMS TO INDIVIDUALS AND FAMILIES WITH A FOCUS ON HOUSEHOLDS IN LOW, LOW-TO-MODERATE AND MODERATE INCOME CENSUS TRACKS. TO ACCOMPLISH THIS, CONSOLIDATED CREDIT SOLUTIONS PROVIDES FREE, MONTHLY COMMUNITY SEMINARS AND WEBINARS ON TOPICS INCLUDING BUDGETING, CREDIT MANAGEMENT, PRE-PURCHASE COUNSELING, FORECLOSURE PREVENTION, AND REVERSE MORTGAGES.SEE ATTACHED STATEMENT OF PROGRAM SERVICE ACCOMPLISHMENTS. 18999404 21120955 DEBT AND BUDGET COUNSELING SERVICES ARE PROVIDED TO INDIVIDUALS EXPERIENCING FINANCIAL DIFFICULTIES. A CERTIFIED CREDIT COUNSELOR HELPS TO ASSESS THE FINANCIAL SITUATION OF THE CONSUMER, DEVELOP A DETAILED HOUSEHOLD BUDGET AND ACTION PLAN. THESE COUNSELING SESSIONS ARE PROVIDED IN PERSON, BY TELEPHONE OR THROUGH THE INTERNET. ADDITIONALLY, ALL CONSUMERS ARE OFFERED FINANCIAL EDUCATION TAILORED TO THEIR LIFE SITUATIONS. WHERE APPLICABLE, SOME CONSUMERS CHOOSE A DEBT MANAGEMENT PLAN (DMP) TO ASSIST WITH THEIR UNSECURED DEBTS. UNDER A DMP, THE CONSUMER MAKES A MONTHLY PAYMENT TO CONSOLIDATED CREDIT SOLUTIONS WHICH IN TURN PAY THE UNSECURED DEBT COVERED UNDER THE PROGRAM. 19666182 1 1 0 0 0 0 0 0 1 0 1 1 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 4 0 1 146 1 0 0 0 0 0 0 0 0 0 0 0 0 X 4 4 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 0 0 IL OR MT CT X IVAN REZVOY CFO 9543779589 5701 SUNRISE BLVD FT LAUDERDALE FL 33313 JEFFREY NEEDLE DIRECTOR 0.50 X 0 0 0 STEVEN FISCHER DIRECTOR 0.50 X 0 0 0 MOREY GOLDBERG DIRECTOR 0.50 X 0 0 0 MERCEDES PEREZ DIRECTOR 0.50 X 0 0 0 EVAN LASHER OFFICER 40.00 X 41338 0 846 ROMEO LIBREA OFFICER 40.00 X 151987 0 12331 GARY HERMAN OFFICER 40.00 X 331177 0 42181 IVAN REZVOY OFFICER 40.00 X 170692 0 1308 KERRYLL MALCOLM EMPLOYEE 40.00 X 156055 0 4541 ALAN NEWMAN EMPLOYEE 40.00 X 154393 0 3238 JOHN CROSBIE EMPLOYEE 40.00 X 132350 0 4070 APRIL ST MICHAEL IRELAND EMPLOYEE 40.00 X 125018 0 1959 SAMUEL ANDRES CASTRO EMPLOYEE 40.00 X 119149 0 3706 1382159 0 74180 8 0 1 0 SEE STATEMENT 1 SEE STATEMENT 1 SEE STATEMENT FL 33313 SEE STATEMENT 1 1 1 2921578 2921578 DEBT MANAGEMENT SERVICES 611710 13552068 13552068 EDUCATIONAL SERVICES 611710 709027 709027 HOUSING COUNSELING SERVICES 611710 141152 141152 4562208 4562208 18964455 50922 50922 UNREALIZED GAIN ON SECURITIES 523940 237964 237964 237964 22174919 19253341 0 0 41760 41760 713862 642476 71386 5052770 4547493 505277 126606 113945 12661 528776 475898 52878 500404 450364 50040 19100 19100 38965 38965 1383728 1383728 3689383 3689383 305925 275332 30593 825862 743276 82586 1684596 1516136 168460 29579 26621 2958 15206 13685 1521 MEMBER SUPPORT SERVICES 5637456 5637456 TELEPHONE 638780 574902 63878 DUES AND SUBSCRIPTIONS 298367 268530 29837 LICENSING AND PERMITS 208136 187322 20814 494815 461603 33212 22234076 19666182 2567894 0 1326397 1019817 132542 69925 228094 65714 177591 162380 1961416 2141947 2301077 2651714 5899023 6045783 3231412 3084527 2290056 2642858 5521468 5727385 X 377555 318398 377555 318398 5899023 6045783 -59157 0 X 0 1 X 1 0 X 21668459 19774394 14822528 14339195 16473646 87078222 6001977 5519252 4754533 4895609 5412387 26583758 27670436 25293646 19577061 19234804 21886033 113661980 0 0 0 113661980 164700 248789 -64441 251907 288886 889841 164700 248789 -64441 251907 288886 889841 562859 562859 27835136 25542435 19512620 20049570 22174919 115114680 0.98740 0.98960 0.00770 0.00580 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 228094 65714 162380 162380 MARKETABLE EQUITABLE SECURITIES 2141947 F 2141947 SECURITY DEPOSITS, CASH RESTRICTED 2642858 OTHER DEPOSITS AND ADVANCES 8856 2651714 22174920 1 1 22174919 0 22174919 22234077 1 1 22234076 0 22234076 PART IV, LINE 2B: CUSTODIAL ARRANGEMENT REPRESENTS FUNDS COLLECTED FROM CLIENTS, WHICH IN TURN ARE USED TO PAY A CLIENTS'S OBLIGATIONS TO THEIR CREDITORS. PART XI, LINE 2D - OTHER ADJUSTMENTS: ROUNDING 1. PART XII, LINE 2D - OTHER ADJUSTMENTS: ROUNDING 1. 1 JUNIOR ACHIEVEMENT 1130 COCONUT CREEK BLVD COCONUT CREEK FL 33067 590871446 501(C)3 39000 0 GENERAL SUPPORT OF ORGANIZATION. 1 0 FORM 990 SCHEDULE I, PART II, LINE 1A-H THE ORGANIZATION PROVIDES GRANTS TO OTHER CHARITABLE, EDUCATIONAL AND SOCIAL SERVICE ORGANIZATIONS. ALL RECIPIENTS ARE LARGE AND WELL ESTABLISHED ORGANIZATIONS. THE ORGANIZATION MAINTAINS REGULAR CONTACT AT THE BOARD AND SENIOR MANAGEMENT LEVEL TO ENSURE THAT THE GRANT FUNDS ARE USED IN A MANNER CONSISTENT WITH THEIR INTENDED USE. X X X X 0 0 0 0 0 0 0 0 0 GARY HERMAN OFFICER 331177 0 0 0 0 0 7303 0 34878 0 373358 0 0 0 IVAN REZVOY OFFICER 170692 0 0 0 0 0 1308 0 0 0 172000 0 0 0 ROMEO LIBREA OFFICER 151987 0 0 0 0 0 3785 0 8546 0 164318 0 0 0 KERRYLL MALCOLM EMPLOYEE 156055 0 0 0 0 0 4541 0 0 0 160596 0 0 0 ALAN NEWMAN EMPLOYEE 154393 0 0 0 0 0 3238 0 0 0 157631 0 0 0 FORM 990, PART I LINE 1 AND PART III LINE 1 TO ASSIST INDIVIDUALS WHO ARE EXPERIENCING FINANCIAL DIFFICULTIES TROUGH PROFESSIONAL FINANCIAL COUNSELING AND EDUCATION. FORM 990, PART VI, SECTION B, LINE 11B THE BOARD OF DIRECTORS REVIEW THE FORM 990 AND FORWARD THEIR QUESTIONS/COMMENTS TO THE APPROPRIATE OFFICER. THE OFFICER DISCUSSES SAID QUESTIONS/COMMENTS BEFORE SIGNING THE RETURN. FORM 990, PART VI, SECTION B, LINE 12C NEW CONFLICT OF INTEREST FORMS ARE REQUIRED TO BE COMPLETED EACH YEAR. FORM 990, PART VI, SECTION B, LINE 15A THE COMPENSATION PROCESS IS BASED ON POLICY AND SALARY REVIEWS SUBJECT TO BOARD APPROVAL. FORM 990, PART VI, SECTION C, LINE 18 THE ORGANIZATION MAKES FORM 990 AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES INFORMATION AVAILABLE TO THE PUBLIC UPON REQUEST.