2026-04-30T15:14:11-04:00 2024-12-31 990 2024-01-01 650923483 Debt Management Credit Counseling Corp DEBT 9544158366 1330 SE 4TH AVE STE F Ft Lauderdale FL 333161958 PHIL HEINEMANN EXECUTIVE DIRECTOR 9544158366 2026-05-02 2024 2025-03-06 01:10:19Z Phil Heinemann 1330 SE 4TH AVE STE F FT LAUDERDALE FL 33316 1642383 false X www.dmcccorp.org X 1999 FL PROVISION OF COUNSELING EDUCATION AND DEBT REPAYMENT PLANS TO CONSUMERS. SEE PAGE 2 PART III LINE 1 FOR ORGANIZATIONS MISSION AND PURPOSE 4 3 16 3 0 0 319294 95805 1509296 1546578 0 0 0 0 1828590 1642383 0 0 0 0 1248424 1160221 0 0 0 773424 724531 2021848 1884752 -193258 -242369 885447 237404 975121 569447 -89674 -332043 OUR MISSION IS TO PROVIDE CONSUMERS EDUCATION AND BUDGET COUNSELING TO IMPROVE THEIR FINANCIAL LITERACY AND ASSIST THEM IN THE MANAGEMENT OF THEIR PERSONAL FINANCES. WE ARE COMMITTED TO PROVIDING CREDIT COUNSELING THROUGH EDUCATIONAL PROGRAMS AND MATERIALS PERSONAL BUDGETING HOUSING COUNSELING AND DEBT MANAGEMENT PLANS TO FINANCIALLY DISTRESSED CONSUMERS WHILE MAINTAINING FISCAL INTEGRITY AND UTILIZING THE HIGHEST QUALITY STANDARDS IN THE INDUSTRY. false false 1123217 0 40422 COUNSELING & EDUCATION:THE ORGANIZATIONS COUNSELING AND EDUCATION PROGRAMS FOCUS ON THE MANAGING OF CREDIT AND DEBT BUDGETING OF PERSONAL FINANCES AND HOUSING ISSUES. COUNSELING AND EDUCATION SERVICES ARE PRIMARILY PROVIDED THROUGH FACE-TO-FACE AND TELEPHONE COUNSELING SESSIONS ONSITE SEMINARS AND WORKSHOPS AT SCHOOLS COMMUNITY CENTERS AND BUSINESSES ONLINE EDUCATIONAL COURSES AND THE DISTRIBUTION OF FREE EDUCATIONAL MATERIALS. THE ORGANIZATION IS APPROVED BY HUD TO PROVIDE COMPREHENSIVE HOUSING COUNSELING TO RESIDENTS OF FLORIDA INCLUDING PRE-PURCHASE COUNSELING AND HOMEBUYER EDUCATION NON-DELINQUENCY POST PURCHASE COUNSELING MORTGAGE DELINQUENCY AND DEFAULT RESOLUTION COUNSELING FINANCIAL LITERACY EDUCATIONAL WORKSHOPS REVERSE MORTGAGE COUNSELING AND HOMELESS COUNSELING SERVICES.SPECIFIC PROGRAM ACCOMPLISHMENTS ACHIEVED WERE AS FOLLOWS: DMCC CONDUCTED FINANCIAL EDUCATION SEMINARS AND WORKSHOPS FOR APPROXIMATELY 500 INDIVIDUALS FOR FIRST-TIME HOMEBUYERS NONPROFIT COMMUNITY ORGANIZATIONS AND EMPLOYERS THROUGHOUT THE STATE OF FLORIDA. DMCC DISSEMINATED FREE FINANCIAL LITERATURE AND EDUCATIONAL MATERIALS TO ITS CLIENTS AND THE GENERAL PUBLIC THROUGH SEMINARS THE U.S. MAIL EMAIL AND ITS WEBSITES. EDUCATIONAL PAGES ON DMCC WEBSITES WERE VIEWED BY APPROXIMATELY 24,000 VISITORS DURING 2024. DMCC PROVIDED PERSONAL FINANCIAL COUNSELING TO APPROXIMATELY 3,000 CONSUMERS OF WHICH 1,400 WERE ENROLLED IN A DMCC PROGRAM. DMCC WAS AWARDED GRANTS TOTALING 95,805 TO PROVIDE HOUSING COUNSELING AND FINANCIAL LITERACY EDUCATION INCLUDING PRE-PURCHASE HOME BUYING POST-PURCHASE HOME OWNERSHIP FORECLOSURE AND RENTAL EVICTION PREVENTION AND HOMELESS ASSISTANCE. DURING THE HUD 2024 FISCAL YEAR DMCC PROVIDED HOUSING COUNSELING SERVICES TO APPROXIMATELY 960 INDIVIDUALS AND FAMILIES. 397981 0 1601962 DEBT MANAGEMENT PLANS:THE ORGANIZATIONS DEBT MANAGEMENT PLAN PROGRAM CONSISTS OF THE NEGOTIATION AND SERVICING OF REPAYMENT PLANS WITH CREDITORS ON BEHALF OF CONSUMER DEBTORS. THE PROVISION OF SUCH SERVICES IS REGULATED BY THE U.S. INTERNAL REVENUE SERVICE MOST STATES AND THE MAJOR BANKS PROVIDING THE UNDERLYING DEBT MANAGEMENT PLAN BENEFITS. REGULATIONS INCLUDE FEE RESTRICTIONS BONDING AND INSURANCE BANKING REQUIREMENTS PRIVACY AND SECURITY POLICIES AND CONTROLS ACCREDITATION AND CERTIFICATION OF THE ORGANIZATION ITS MANAGEMENT AND EMPLOYEES AND ANNUAL LICENSING AND REPORTING. THE ORGANIZATION IS ALSO SUBJECT TO PERIODIC AUDITS BY THESE REGULATING ENTITIES.SPECIFIC PROGRAM ACCOMPLISHMENTS ACHIEVED WERE AS FOLLOWS: DMCC SERVICED DEBT MANAGEMENT PLANS FOR APPROXIMATELY 5,000 CLIENTS OF WHICH AN ESTIMATED 75% WERE LOW-MODERATE HOUSEHOLDS EARNING LESS THAN 80% OF THEIR AREA MEDIAN INCOME BASED ON GUIDELINES PUBLISHED BY THE U.S. DEPARTMENT OF HEALTH AND HUMAN SERVICES. DMCC DISBURSED OVER 15 MILLION IN DEBT REPAYMENTS TO THE CREDITORS OF ITS DEBT MANAGEMENT PLAN CLIENTS. DMCC SUCCESSFULLY COMPLETED OVER 1,300 DEBT MANAGEMENT PLAN ACCOUNTS FOR CLIENTS WHO REPAID THEIR ENROLLED DEBTS IN FULL. 0 0 0 0 0 0 1521198 true true false false false false false false false false true false false false true true false false false false false false false false false false false false false true false false false false false false false false false false false false false false false false false true 0 0 true 16 true false false false false false false false 0 false false false false false 4 3 false false false false false false false true false false true true true true true false true true false false false FL IL MD NH OR X PHIL HEINEMANN EXECUTIVE DIRECTOR 9544181466 1330 SE 4TH AVENUE SUITE F FORT LAUDERDALE FL 33316 PHIL HEINEMANN PRESIDENT EXEC DIRECTOR 40.00 0.00 X X 158977 0 26801 JOHN ALEMAN DIRECTOR 0.00 0.00 X 0 0 0 CAROL O'BRIEN SECRETARY 0.00 0.00 X X 0 0 0 WILLIAM KALAF TREASURER 0.00 0.00 X X 0 0 0 158977 0 26801 1 false true false DEBT FREEDOM CONSULTANTS LLC 221 LAKE TERRACE DELRAY BEACH FL 33444 SOFTWARE & TELECOMMUNICATIONS 109138 0 0 0 0 95805 0 0 95805 CLIENT FEES 541990 908600 0 0 0 CREDITOR CONTRIBUTIONS 541990 637978 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1546578 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1642383 0 0 0 0 0 0 0 0 0 0 0 158977 79489 79488 0 0 0 0 0 747672 669538 78134 0 22380 20438 1942 0 151689 122192 29497 0 79503 65684 13819 0 0 0 0 0 600 0 600 0 19800 0 19800 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 150160 104609 45551 0 101872 84334 17538 0 99615 81231 18384 0 0 0 0 0 49188 40585 8603 0 18939 13716 5223 0 0 0 0 0 0 0 0 0 15846 13092 2754 0 0 0 0 0 8400 6940 1460 0 39665 35911 3754 0 TRANSACTION PROC CHGS 149980 131961 18019 0 EDUCATION 2350 2350 0 0 CREDIT REPORTS 17670 17670 0 0 DUES & LICENSES 50446 31458 18988 0 0 0 0 0 1884752 1521198 363554 0 0 0 0 0 175904 46752 0 0 0 0 300505 129135 0 0 0 0 0 0 0 0 13080 9819 50666 40291 16738 10375 0 0 0 0 0 0 0 37823 379220 3500 885447 237404 97595 45065 0 0 0 0 0 0 298311 0 0 0 0 0 540715 485882 38500 38500 975121 569447 X -89674 -332043 0 0 -89674 -332043 885447 237404 -242369 0 0 0 0 0 X false false X 430040 541120 232955 319294 95805 1619214 1652586 1399020 1410931 1509296 1546578 7518411 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2082626 1940140 1643886 1828590 1642383 9137625 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9137625 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2082626 1940140 1643886 1828590 1642383 9137625 1 1.0000 0 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 3788 3788 2635 1153 46878 46878 37656 9222 10375 0 Lease Liability 38500 38500 X false false false false false false false false false PHIL HEINEMANN PRESIDENT EXEC DIRECTOR 157323 0 0 0 0 0 3933 0 22869 0 184125 0 0 0 Part VI, Line 11a Draft copy provided for review prior to filing.