2025-11-10T09:26:54-05:00 2024-12-31 311413363 BHM CPA GROUP INC PO BOX 875 CIRCLEVILLE OH 431130875 990 2024-01-01 310731111 CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC CONS 8003552227 700 TAYLOR ROAD GAHANNA OH 43230 JONATHAN M CANTRELL PRESIDENT / CEO 8003552227 2025-10-29 false RYAN C HIXENBAUGH CPA P01052454 7404745210 2025-11-10 2024 2025-03-06 01:10:19Z APPRISEN JONATHAN M CANTRELL 8713629 false X WWW.APPRISEN.COM X 1967 OH 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 OVER 69 YEARS AND HAS HELPED MILLIONS OF 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; C 8 8 27 8 0 1459015 1701718 1301026 1409660 145529 149585 1563 54019 2907133 3314982 0 0 2163249 2119993 0 83400 1297663 1187102 3460912 3307095 -553779 7887 5288524 5397905 1546141 1515434 3742383 3882471 HELPING PEOPLE IMPROVE THEIR FINANCIAL WELL-BEING THROUGH COUNSELING, COMMUNITY OUTREACH AND FINANCIAL EDUCATION. false false 2121235 1367622 APPRISEN PROVIDES COMPREHENSIVE FINANCIAL COUNSELING AND EDUCATION TO INDIVIDUALS AND FAMILIES LOOKING TO IMPROVE THEIR FINANCIAL HEALTH. IN 2024, WE HELD 8,137 CONFIDENTIAL COUNSELING SESSIONS WITH PREDOMINATELY 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 THE INDIVIDUALS REPAY THEIR UNSECURED DEBT. IN 2024, INDIVIDUALS IN OUR DMP PAID DOWN 23,406,903 WORTH OF DEBT & 67% OF ENROLLEES COMPLETED THEIR DMP SUCCESSFULLY. 46544 18180 APPRISEN IS A HUD-CERTIFIED AGENCY, OFFERING PRE-PURCHASE COUNSELING, RENTAL COUNSELING AND FORECLOSURE PREVENTION COUNSELING. WE HELD 289 HOUSING RELATED SESSIONS IN 2024, THE MAJORITY OF WHICH FOCUSED ON DELINQUENT MORTGAGES AND FORECLOSURE PREVENTION. 283466 23858 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 PROGRAMING TO ADDRESS THOSE NEEDS. WE PROVIDED COMMUNITY PRESENTATIONS AND EXTENSIVE DIGITAL EDUCATION THROUGH OUR WEBINARS, BLOG, AND SOCIAL MEDIA OUTLETS. IN 2024, OUR COMMITMENT TO FINANCIAL EDUCATION REACHED OVER 555K INDIVIDUALS THROUGH OUR OUTREACH AND SOCIAL MEDIA ENDEAVORS. 2451245 true true false true false false false false true true true false false false true false true false false false false false false false false false false false false true false false false false false false false false true false false false false false false false false true 11 0 true 27 true false false false false false false false false X 8 8 false false false false false false false true true false false true true true true true true true false false 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 JONATHAN M CANTRELL PRESIDENT / 50.00 X 200892 0 34317 CHRISTOPHER J KALLAY VP/TREASURER 50.00 X 181450 0 45002 BRIAN YODER SECRETARY/ D 40.00 X 93828 0 38449 JOSH CURTIS DIRECTOR 2.00 X 0 0 0 MICHAEL HARDING DIRECTOR 2.00 X 0 0 0 FREDERICK H HEYSE DIRECTOR 2.00 X 0 0 0 JAY E MICHAEL DIRECTOR 2.00 X 0 0 0 TERESA HOLLAND RICH DIRECTOR 2.00 X 0 0 0 KAYLA SELHORST CHAIRPERSON 4.00 X X 0 0 0 STACY TOKI DIRECTOR 2.00 X 0 0 0 STEVE WEIKER DIRECTOR 2.00 X 0 0 0 476170 117768 2 false true false 8320 198141 1495257 93121 1701718 DEBT MANAGEMENT PROGRAM FEES 541990 1367622 1367622 FINANCIAL EDUCATION PROGRAM 611600 23858 23858 HOUSING EDUCATION 611600 18180 18180 1409660 142153 142153 5406079 5398647 7432 7432 7432 OTHER REVENUE 900099 54019 54019 54019 3314982 1417092 196172 593936 260174 286720 47042 1154027 1120029 6444 27554 48115 46827 104 1184 180568 177406 3162 143347 122256 16633 4458 128 128 21000 21000 640 640 23053 23053 145753 109885 35868 229311 11695 217616 8146 7344 802 209793 174119 35674 63918 63918 17752 13248 4504 47553 47553 77433 75606 1827 73962 32305 41657 BANK CHARGES 96252 74793 21459 MEMBERSHIP DUES 55669 54631 1038 TAXES AND LICENSES 41651 34267 7384 CLEANING & MAINTENANCE 24842 24842 50246 47900 2346 3307095 2451245 772450 83400 409857 545617 120491 70480 792719 579540 108206 119019 4985537 4797538 167494 187999 3413497 3664614 126048 126048 150212 104588 5288524 5397905 467200 467290 6361 5495 304744 369163 96315 53412 671521 620074 1546141 1515434 X 3660436 3841267 81947 41204 3742383 3882471 5288524 5397905 7887 132201 X false true X true false X 2813284 3498424 2154689 1459015 1701718 11627130 2813284 3498424 2154689 1459015 1701718 11627130 5956440 5670690 110738 158491 71335 113543 142153 596260 1010 407 1262 1563 54019 58261 12281651 4050118 0.46170 0.49940 X PART II, LINE 10 58,261 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 640 640 2451245 2451885 272594 68149 301107 287099 279215 272594 1140015 1710023 640 640 75277 71775 69804 68149 285005 427508 SCHEDULE C, PART IV ORGANIZATION SHARE TO SUPPORT A JOINT EFFORT BETWEEN THE NATIONAL FOUNDATION OF CREDIT COUNSELING (NFCC) AND FINANCIAL COUNSELING ASSOCIATION OF AMERICA (FCAA) TO LOBBY THE STATE OF CALIFORNIA. false true X 64943 7636 3247 533 68799 62018 6520 3101 494 64943 73766 -7530 3688 530 62018 60940 16391 3047 518 73766 58615 5689 2931 433 60940 1.00000 false false 158125 138929 19196 4827412 4658609 168803 187999 LINE OF CREDIT 620074 620074 3447183 132201 132201 3314982 3314982 3307095 3307095 3307095 SCHEDULE D, PAGE 2, PART IV, LINE 2B CLIENT FUNDS ARE RECEIVED AND THEN DISBURSED TO THE CLIENT'S CREDITORS ON A MONTHLY BASIS. SCHEDULE D, PAGE 2, PART V, LINE 4 TO PROVIDE SUPPORT TO THE AGENCY TO CARRY OUT ITS EXEMPT MISSION. X X X X false false false false false false false true false JONATHAN M CANTRELL PRESIDENT / CEO 200000 892 10000 24317 235209 CHRISTOPHER J KALLAY VP/TREASURER/CFO 168711 12000 739 9196 35806 226452 SCHEDULE J, PAGE 1, 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 2 90916 FAIR MARKET VALUE X USE OF SOFTWARE 1 2205 FAIR MARKET VALUE false false false FORM 990, PAGE 6, PART VI, 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, PAGE 6, PART VI, 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 ALERNATIVES 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, PAGE 6, PART VI, LINE 15A CCCA 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 EXECUTIVE COMPENATION COMMITTEE REGARDING COMPENSATION PAID BY SIMILARLY SITUATED TAXABLE AND TAX EXEMPT ORGANIZATIONS. FORM 990, PAGE 6, PART VI, LINE 17 MARYLAND, MAINE, MICHIGAN, MINNESOTA, MISSISSIPPI, NORTH DAKOTA, NEW HAMPSHIRE, NEW JERSEY, NEW MEXICO, NEW YORK, OHIO, OKLAHOMA, OREGON, PENNSYLVANIA, RHODE ISLAND, TENNESSEE, UTAH, VIRGINIA, WASHINGTON, WISCONSIN, WEST VIRGINIA, SOUTH CAROLINA FORM 990, PAGE 6, PART VI, 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.