2025-05-14T11:19:43-04:00 2024-06-30 883651234 PHILLIPS CPAS & ADVISORS 201 LAVINIA AVE GREENVILLE SC 29601 990 2023-07-01 562106758 CONSUMER EDUCATION SERVICES INC CONS 8664845373 3724 NATIONAL DRIVE SUITE 220 RALEIGH NC 27612 DAYANG DIANE CHEN CHAIRMAN/ SECRETARY 8664845373 2025-05-14 false MATTHEW V PHILLIPS P01360869 8642361380 2025-05-14 2023 2025-03-06 01:10:19Z DAYANG DIANE CHEN 3724 NATIONAL DRIVE SUITE 220 RALEIGH NC 27612 2760767 false X WWW.CESISOLUTIONS.ORG X 1988 NC CONSUMER EDUCATION SERVICES, INC. EMPOWERS PEOPLE TO OVERCOME THEIR FINANCIAL CHALLENGES AND LEAD FINANCIALLY-HEALTHY LIVES. 5 4 59 0 1081064 26800 3569897 1444413 301736 330899 434803 958655 5387500 2760767 1050000 480000 0 2222689 610793 0 0 2701749 1849110 5974438 2939903 -586938 -179136 23042605 25151407 910616 195145 22131989 24956262 CONSUMER EDUCATION SERVICES, INC. EMPOWERS PEOPLE TO OVERCOME THEIR FINANCIAL CHALLENGES AND LEAD FINANCIALLY-HEALTHY LIVES. false false 1800101 480000 406061 CREDIT COUNSELING AND EDUCATION, AND DEBT REDUCTION PROGRAM:THIS PROGRAM ASSISTS CLIENTS IN MANAGING THEIR PERSONAL FINANCES THROUGH THE PROVISION OF DEBT MANAGEMENT SERVICES, CREDIT COUNSELING, EDUCATION AND TRAINING, AND BUDGET PLANNING. CESI OFFERS ASSISTANCE OVER THE PHONE, ONLINE, AND IN PERSON. CERTIFIED CREDIT COUNSELOR'S DISCUSS VARIOUS OPTIONS WITH CLIENTS REGARDING FINANCIAL DECISIONS. THEY ASSESS INDIVIDUALS' PERSONAL FINANCIAL SITUATIONS AND ASSIST THEM IN DEVELOPING A BUDGET IN ORDER TO IMPROVE THEIR OVERALL CREDIT. 808470 1038352 THE HUD HOUSING PROGRAM OFFERS A WIDE VARIETY OF HOUSING COUNSELING SERVICES TO POTENTIAL HOMEBUYERS, RENTERS AND CURRENT HOMEOWNERS. THESE SERVICES INCLUDE EDUCATION THROUGH GROUP SESSIONS AND ONE-ON-ONE COUNSELING. THE AREAS OF FOCUS ARE PRE-PURCHASE EDUCATION AND COUNSELING, RENTAL COUNSELING, FORECLOSURE PREVENTION COUNSELING, AND REVERSE MORTGAGE COUNSELING.CESI PROVIDED HOUSING STABILITY COUNSELING PROGRAM WITH ASSISTANCE TO HOMEOWNERS AND RENTERS BY REACHING OUT TO LOAN SERVICERS, LANDLORDS, EMERGENCY RENTAL ASSISTANCE FUNDERS, AND LOCAL/STATE HOUSING ASSISTANCE FUNDING PROGRAMS. CLIENTS WERE ALSO ASSISTED WITH BUDGETING NEEDS AND CREDIT REVIEW AND RECOMMENDATIONS AS WARRANTED. 30804 COMMUNITY EDUCATION OUTREACH- CESI SUPPORTS THE ADVANCEMENT OF REVERSE MORTGAGE COUNSELING. FINANCIAL LITERACY EDUCATION WITHIN LOCAL AND STATE COMMUNITIES THROUGH A STRONG COMMUNITY OUTREACH PROGRAM. OUTREACH EFFORTS INCLUDE GROUP EDUCATION PROGRAMS, USUALLY IN PARTNERSHIP WITH LOCAL COMMUNITY AGENCIES OR EDUCATIONAL INSTITUTIONS. THE SECOND PART OF THE CESI OUTREACH EFFORT IS IN THE FORM OF FREE INDIVIDUAL FINANCIAL COUNSELING AT THE CESI CENTER WITH AN ACCREDITED CESI COUNSELOR. CESI OFFERS NUMEROUS FINANCIAL EDUCATIONAL RESOURCES, WHICH ARE EASILY ACCESSED BY ALL CONSUMERS AND NOT JUST CESI CUSTOMERS. THESE RESOURCES ARE DESIGNED TO HELP CONSUMERS BETTER MANAGE THEIR FINANCES AND TO ACHIEVE THE GOAL OF BECOMING DEBT FREE. 2639375 true false 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 false false false false false false false false false false false false false true true false false false true 3 0 true 59 true false false false false false false false false X 5 4 false false false false false false false true true false false true true true true true true true true false NC WV IL OR X X X CONSUMER EDUCATION SERVICES INC 8664845373 3724 NATIONAL DRIVE SUITE 220 RALEIGH NC 27612 ROBB CZYZEWSKI CHEIF OPERAT 40.00 X 147075 0 0 STEVE COLE TREASURER 40.00 X 106889 0 0 DAYANG DIANE CHEN CHAIRMAN/ SE 5.00 X X 106301 0 0 ROBERT FITZGERALD BOARD MEMBER 5.00 X 0 0 0 NAVEED IFTIKHAR BOARD MEMBER 5.00 X 0 0 0 ALEXIS NELSON BOARD MEMBER 5.00 X 0 0 0 WAYNE STALLINGS BOARD MEMBER 5.00 X 0 0 0 360265 3 false false false 26800 26800 HOUSING STABILITY 531390 707449 707449 DEBT MANAGEMENT PROGRAM 541990 376541 376541 HOUSING SERVICES 531390 330903 330903 COUNSELING PROGRAMS 541990 29520 29520 1444413 330899 330899 GAIN ON SALES 933132 933132 OTHER INCOME 25523 25523 958655 2760767 2733967 X 480000 480000 360265 330760 29505 106590 97867 8723 143938 115150 28788 309751 187446 122305 21769 21769 22232 17785 4447 3428 2742 686 65335 52268 13067 20391 16313 4078 1050 840 210 825 825 32803 26243 6560 55844 44675 11169 DEBT MANAGEMENT PROGRAM 590407 590407 HOUSING 532754 532754 MISCELLANEOUS 52705 8069 44636 MEMBERSHIP FEES 47935 38348 9587 91881 75939 15942 2939903 2639375 300528 0 1602668 3304893 30376 28800 955234 282002 57829 9855 125137 94527 63412 30610 19939962 21127069 364324 396978 23042605 25151407 363616 123248 37340 207481 200000 102179 71897 910616 195145 X 22103189 24956262 28800 22131989 24956262 23042605 25151407 -179136 2705272 -88426 386563 X false true X true false X 1771841 2336133 2037006 1081064 26800 7252844 1771841 2336133 2037006 1081064 26800 7252844 7252844 526873 374388 439332 594963 330899 2266455 80913 69922 68552 434803 958655 1612845 11132144 2733967 0.65150 0.53990 X PART II, LINE 10 1,612,845 false true X 125137 94527 30610 30610 RIGHT OF USE OPERATING LEASE LIABILI 71897 71897 X SCHEDULE D, PAGE 2, PART IV, LINE 2B CESI OFFERS DEBT MANAGEMENT PROGRAMS TO ASSIST CLIENTS IN PAYING THEIR UNSECURED DEBTS FUNDS RECIEVED FROM CLIENTS PARTICIPATING IN THE DEBT MANAGEMENT PROGRAM ARE DEPOSITED INTO VARIOUS DEPOSITORY ACCOUNTS AND IN TO A SEPARATE FOR THE BENEFIT OF OTHER ACCOUNT (THE "FBO ACCOUNT") ON A DAILY BASIS. FUNDS RESIDING IN THE FBO ACCOUNTS ARE DISBURSED TO CESI'S OPERATING ACCOUNT AS CONTRIBUTIONS MADE TO CESI BY CREDITORS AND/OR CLIENTS. CERTAIN STATES REQUIRE THAT CLIENTS FUNDS BE HELD IN A DEPOSITORY ACCOUNT WITHIN THAT STATE UNTIL THE RESPECTIVE CREDITORS ARE PAID. IN THIS SITUATION CREDITORS ARE PAID FROM MONIES FROM THIS STATE'S DEPOSITORY ACCOUNT. INTEREST INCOME EARNED ON FUNDS HELD IN THE VARIOUS RESTRICTED ACCOUNTS IS USED TO PAY FOR BANK FEES AND OTHER EXPENSES. CESI IS RESPONSIBLE FOR ANY EXCESS EXPENSE ARISING FROM THE ACTIVITIES OF THESE ACCOUNTS. SCHEDULE D, PAGE 3, PART X THE ORGANIZATION RECOGNIZES THE TAX BENEFITS FROM UNCERTAIN TAX POSITIONS ONLY IF IT IS MORE-LIKELY-THAN-NOT THAT THE TAX POSITION WILL BE SUSTAINED ON EXAMINATION BY THE TAXING AUTHORITIES, BASED ON THE TECHNICAL MERITS OF THE POSITION. THE ORGANIZATION'S INCOME TAX FILINGS ARE SUBJECT TO AUDIT BY VARIOUS TAXING AUTHORITIES. MANAGEMENT BELIEVES THE ADOPTION OF ASC 740-10 RESULTED IN NO SIGNIFICANT IMPACT TO THE ORGANIZATION'S FINANCIAL STATEMENTS. true CAROLINA COMMUNITY IMPACT INC 3724 NATIONAL DRIVE SUITE 220 RALEIGH NC 27612 823990062 230000 TO SUPPORT CCI INSTITUTE OF MONEY MANAGEMENT 3724 NATIONAL DRIVE SUITE 220 RALEIGH NC 27612 471524248 250000 TO SUPPORT ICMM FORM 990, PAGE 6, PART VI, LINE 11B ORGANIZATION'S PROCESS TO REVIEW FORM 990 - THE PRESIDENT & CEO AND THE DIRECTOR OF FINANCE ARE RESPONSIBLE FOR REVIEWING AND APPROVING THE FORM 990 BEFORE IT IS FILED. FORM 990, PAGE 6, PART VI, LINE 12C ENFORCEMENT OF CONFLICTS POLICY OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO DISCLOSE ANY POTENTIAL CONFLICTS OF INTEREST ANNUALLY ON A CONFLICT OF INTEREST FORM. ANY KNOWN CONFLICTS OF INTEREST REQUIRE IMMEDIATE DISCLOSURE. FORM 990, PAGE 6, PART VI, LINE 15A COMPENSATION PROCESS FOR TOP OFFICIALS - THE BOARD OF DIRECTORS GENERALLY DETERMINES AND REVIEWS THE SALARY OF THE PRESIDENT AND CEO. COMPENSATION PROCESS FOR OFFICERS - THE BOARD OF DIRECTORS GENERALLY DETERMINES AND REVIEWS THE SALARY OF KEY EMPLOYEES. FORM 990, PAGE 6, PART VI, LINE 15B COMPENSATION PROCESS FOR TOP OFFICIALS - THE BOARD OF DIRECTORS GENERALLY DETERMINES AND REVIEWS THE SALARY OF THE PRESIDENT AND CEO. COMPENSATION PROCESS FOR OFFICERS - THE BOARD OF DIRECTORS GENERALLY DETERMINES AND REVIEWS THE SALARY OF KEY EMPLOYEES. FORM 990, PAGE 6, PART VI, LINE 18 GUIDESTAR.ORG FORM 990, PAGE 6, PART VI, LINE 19 GOVERNING DOCUMENTS DISCLOSURE EXPLANATION CESI MAKES IT GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. THE ORGANIZATION FORM 990 IS ALSO AVAILABLE ON GUIDESTAR.ORG. FORM 990, PART IX, LINE 11G 187,446 122,305 0 BARRETT RESOURCES LLC 3700 BARRETT DRIVE RALEIGH NC 27609 843406327 FIN. ASST. NC CESI CAROLINA COMMUNITY IMPACT INC 3700 BARRETT DRIVE RALEIGH NC 27609 823990062 LOANS NC 501C3 12C CESI false true true false false false false false false false false false false false true true false true false false CAROLINA COMMUNITY IMPACT INC O 690348 ACTUAL AMOUNT PAID CAROLINA COMMUNITY IMPACT INC B 230000 ACTUAL AMOUNT PAID INSTITUTE OF MONEY MANAGEMENT B 250000 ACTUAL AMOUNT PAID INSTITUE OF MONEY MANAGEMENT O 104417 ACTUAL AMOUNT PAID