2026-03-16T12:39:21-07:00 2025-12-31 BEARMANCPA PLLC 124 Cavalier Dr WILMINGTON NC 28403 990 2025-01-01 562262315 Financial Protection Law Center FINA 9104421010 PO Box 390 Wilmington NC 28402 Maria McIntyre President 2026-03-16 true Nigel Bearman P00947356 9105080630 2025 2025-03-06 01:10:19Z Maria McIntyre PO Box 390 Wilmington NC 28402 395847 false X N/A X 2001 NC To provide legal services and support to protect low-income people and families from predatory financial practices, to preserve home ownership and to enhance their ability to build equity and prosper. 5 5 5 5 0 288103 382492 3000 0 7466 7955 3150 5400 301719 395847 0 0 233319 280265 0 20981 93187 96638 326506 376903 -24787 18944 313966 353024 65053 85167 248913 267857 To provide legal services and support to protect low-income people and families from predatory financial practices, to preserve home ownership and to enhance their ability to build equity and prosper. false false 313143 The Center investigated approximately 150 inquiries and managed 34 on-going cases based in matters related to mortgage servicing problems or errors, loss mitigation, defense to foreclosure or debt collection/asset protection, and bankruptcy. Staff also presented information and resource materials to homeowners and community groups on property tax relief programs available to homeowners. Staff provided direct assistance to homeowners to assess eligibility and assisted eligible homeowners in applying. 313143 true true false false false false false false true false true false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 2 0 true 5 true false false false false false false false 0 false false false false false false false X 5 5 false false false false false false false true true false false false true true true true true true true false NC X X April Cheers 9104421010 PO Box 390 Wilmington NC 28402 Maria McIntyre President 40.00 0.00 X X 110824 0 11815 April Cheers Sec./Treasurer 40.00 0.00 X X 91166 0 13165 Charles A Bentley Jr Director 1.00 0.00 X 0 0 0 Richard P Cook Director 1.00 0.00 X 0 0 0 Andre C Brown Director 1.00 0.00 X 0 0 0 Auley M Lee Crouch III Director 1.00 0.00 X 0 0 0 Anne J Randall Director 1.00 0.00 X 0 0 0 201990 24980 1 false false false 0 213892 168600 382492 Attorney's Fees 0 7955 7955 0 0 5400 5400 5400 5400 0 0 0 0 0 395847 13355 0 0 0 0 262264 236038 26226 0 0 0 0 18001 16200 1801 0 0 5355 5355 0 0 0 26543 2342 3220 20981 0 0 7577 6819 758 0 16346 14711 1635 3500 3490 10 0 0 0 0 3581 3223 358 5160 4644 516 Dues & Subscriptions 21766 21766 General Operations 5766 2866 2900 Litigation 1044 1044 0 376903 313143 42779 20981 3022 729 300197 345130 0 0 0 0 0 0 0 17912 10747 10747 7165 0 0 0 0 0 313966 353024 64853 84952 200 215 65053 85167 X 248913 267857 248913 267857 313966 353024 18944 X false false false X 295911 221922 361178 288103 382492 1549606 12198 10095 4700 6150 5400 38543 0 0 0 308109 232017 365878 294253 387892 1588149 0 0 1588149 1465 1425 4507 7466 7955 22818 0 1465 1425 4507 7466 7955 22818 0 0 309574 233442 370385 301719 395847 1610967 0.98580 0.98860 0.01420 0.01140 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false true X 17912 10747 7165 7165 Part IV, Line 2b: Explanation of escrow account liability Interest on Lawyers Trust Account (IOLTA) funds held for client. Liability is offset by asset on balance sheet. Form 990, Part VI, Section B, Line 11b The president and secretary review the 990 with the CPA who prepared it. The remaining members of the board are notified that the 990 is available for their review upon request. Form 990, Part VI, Section B, Line 12c Board members and key employees are reminded at board meetings of their duty to immediately disclose any conflicts of interest and recuse themselves from the discussion and any votes on the matter in question. Form 990, Part VI, Section B, Line 15a Compensation decisions are brought to the full board and only independent, unpaid members of the board have the authority to determine wage rates. Form 990, Part VI, Section B, Line 15b See above. Form 990, Part VI, Section C, Line 19 IRS Form 990 is available from Guidestar.org and upon request. Other organizational documents are available from the organization upon request. Attorney Fees Sought & Recovered by Case In 2025, there were no fees from Chapter 13 bankruptcy cases. Cases litigated serving the public interest There was no litigation in 2025.