2026-07-22T09:22:39-04:00 2025-12-31 043252773 DAVID J CLEARY CPA INC TWO CABOT PLACE STOUGHTON MA 020724611 990 2025-01-01 043166982 AMERICAN CONSUMER CREDIT COUNSELING INC AMER 6175595700 130 RUMFORD AVE STE 202 AUBURNDALE MA 02466 ALLEN AMADIN PRESIDENT & CEO 6175595700 2026-07-21 true DAVID J CLEARY CPA P01370705 7813414100 2026-07-22 X 2025 2025-03-06 01:10:19Z ALLEN AMADIN 130 RUMFORD AVE STE 202 AUBURNDALE MA 02466 23610031 false X WWW.CONSUMERCREDIT.COM X 1992 MA SEE ATTACHMENT PAGE 1 & 2 9 8 186 0 1693627 2486114 15864273 20295725 537280 788178 -203276 40014 17891904 23610031 0 0 11504201 12099740 0 0 4709380 6620423 16213581 18720163 1678323 4889868 21646398 26311974 3010698 2537763 18635700 23774211 X SEE ATTACHMENT PAGE 1 & 2 false false 15053566 20295725 SEE ATTACHMENT PAGE 1 & 2 SEE ATTACHMENT PAGE 1 & 2 15053566 true true false false false false false false true false 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 true false false false false false false false false false false false true 15 0 true 186 true false false false false false false false false X 9 8 false false false false false false false true true false true true false true true true true true true false false MA AK MS NH IL PA WV OR CA X TRACEY R MACOMBER 6175595700 130 RUMFORD AVE STE 202 AUBURNDALE MA 02466 ALLEN AMADIN PRESIDENT & 40.00 X 421355 0 6477 TRACEY R MACOMBER VP GOVERNANC 40.00 X 241656 0 4915 KATHERINE H ROSS EXECUTIVE VP 40.00 X 221276 0 5694 PAUL GLOVER SENIOR SOFTW 40.00 X 180636 0 3643 DANIEL TURNER DIRECTOR OF 40.00 X 177557 0 0 KENNETH MOHAMMED COUNSELING M 40.00 X 148651 0 2595 SARAH HARRINGTON MGR HUMAN RE 40.00 X 144352 0 3035 ASHLEY FISHER MGR IT 40.00 X 134845 0 2834 DONNA M CONLEY VP & CLERK 1.00 X 129411 0 2606 JAMES CURRIE DIRECTOR 1.00 X 2250 0 0 DONALD FRADETTE DIRECTOR 1.00 X 2250 0 0 ZEPUR KAHWAJIAN DIRECTOR 1.00 X 2250 0 0 MARY PAPAZIAN DIRECTOR 1.00 X 2250 0 0 MATTHEW PARADISE DIRECTOR 1.00 X 2250 0 0 LILIAN ROJAS DIRECTOR 1.00 X 2250 0 0 GARRETT SCHUBERT DIRECTOR 1.00 X 2250 0 0 JOHN L SERGI DIRECTOR 1.00 X 2250 0 0 JOSEPH STASIO DIRECTOR 1.00 X 2250 0 0 1819989 137378 9 false true false TRANSFORMLY AI LLC DATA CONSULTING 296000 1 2486114 2486114 MAINTENANCE FEE INCOME 10778831 10778831 FEE FAIR SHARE 8956146 8956146 ENROLLMENT INCOME 412143 412143 HOUSING INCOME 93185 93185 BANKRUPTCY INCOME 39963 39963 15457 15457 20295725 788178 788178 REALIZED GAIN (LOSS) 40014 40014 40014 23610031 21123917 1191255 1191255 8750847 8118984 631863 206799 165439 41360 1048278 821946 226332 902561 721636 180925 128655 128655 31303 31303 49740 49740 168759 168759 75669 61089 14580 558175 436604 121571 56812 38590 18222 1283940 1027152 256788 187550 187550 IT, CLOUD NETWORK AND VPN 1478341 1188317 290024 MARKETING 1284184 1284184 TELEPHONE 245149 196119 49030 CLIENT CREDIT REPORTS 184827 184827 887319 452370 434949 18720163 15053566 3666597 0 3440609 2825866 3591110 4166820 222100 231900 258886 428502 187880 131821 4729130 2666658 3346412 2062472 10599401 16439593 25000 21646398 26311974 39572 334915 2580221 1950769 390905 252079 3010698 2537763 X 18635700 23774211 18635700 23774211 21646398 26311974 4889868 248643 X false true X true false X 3094209 1518360 817155 1693627 2486114 9609465 10216007 9463691 13359999 15864273 21123917 70027887 13310216 10982051 14177154 17557900 23610031 79637352 79637352 195104 238225 596655 334004 828192 2192180 195104 238225 596655 334004 828192 2192180 13505320 11220276 14773809 17891904 24438223 81829532 0.97320 0.97750 0.03000 0.02000 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false true X 414134 254758 159376 283117 208895 74222 4031879 2203005 1828874 2062472 ACCRUED PAYROLL 124134 ACCRUED PTO 116774 ACCRUED EXPENSES 11171 252079 23858674 248643 248643 23610031 23610031 18720163 18720163 18720163 SCHEDULE D, PAGE 2, PART IV, LINE 2B ACCC IS THE CUSTODIAN FOR CLIENT FUNDS THAT ARE PAID TO CREDITORS TO SATISFY THE CLIENTS DEBTS. X X X X X false true false false false false false false false ALLEN AMADIN PRESIDENT & CEO 335855 85500 6477 16720 427832 TRACEY R MACOMBER VP GOVERNANCE & TREA 200056 41600 4915 10428 246571 KATHERINE H ROSS EXECUTIVE VP 179676 41600 5694 16462 226970 PAUL GLOVER SENIOR SOFTWARE ENG. 175331 5305 3643 5489 184279 DANIEL TURNER DIRECTOR OF IT 162557 15000 5278 177557 KENNETH MOHAMMED COUNSELING MGR 133651 15000 2595 10580 151246 SCHEDULE J, PART III PART I, LINE 4B - IN NOVEMBER 2025 AMERICAN CONSUMER CREDIT COUNSELING INC, ADOPTED A NONQUALIFIED DEFERRED COMPENSATION PLAN FOR THE PRESIDENT/CEO OF THE ORGANIZATION. THE PLAN IS FUNDED THROUGH A TRUST ESTABLISHED FOR THE PURPOSE OF PROVIDING BENEFITS UNDER THE PLAN. AMOUNTS CONTRIBUTED TO THE TRUST ARE INTENDED TO BE USED SOLELY TO PAY BENEFITS UNDER THE PLAN HOWEVER, THE ASSETS OF THE TRUST REMAIN SUBJECT TO THE CLAIMS OF THE ORGANIZATIONS GENERAL CREDITORS. DURING THE YEAR ENDED DECEMBER 31, 2025 THE ORGANIZATION CONTRIBUTED 25,000 TO THE TRUST. THE CONTRIBUTION VESTS ONCE THE PRESIDENT/CEO REACHES FIVE YEARS OF SERVICE. THE 25,000 IS INCLUDED IN PART X, LINE 15-OTHER ASSETS. STANTON INS (J CURRIE) EMPLOYEE BOARD MEMBER 25129 STANTON COMMISSION false FORM 990, PAGE 2, PART III, LINE 4D SEE ATTACHMENT PAGE 1 & 2 FORM 990, PAGE 6, PART VI, LINE 11B SEE ATTACHMENT FOR THE PROCESS TO REVIEW FORM 990 FORM 990, PAGE 6, PART VI, LINE 12C SEE ATTACHMENT FOR THE ENFORCEMENT OF CONFLICTS POLICY FORM 990, PAGE 6, PART VI, LINE 15A SEE ATTACHED COMPENSATION PROCESS FOR TOP OFFICALS FORM 990, PAGE 6, PART VI, LINE 19 GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST.