2026-06-21T19:45:48-07:00 2025-12-31 364072045 Kevin Currid & Associates Inc 328 Carpenter Palatine IL 60067 990 2025-01-01 364060853 Family Credit Counseling Service FAMI 8009943328 111 N Wabash Chicago IL 60602 Elizabeth Schomburg Chief Financial Officer 8009943328 2026-04-19 true Kevin Currid CPA P00110855 8475026604 2026-06-21 2025 2025-03-06 01:10:19Z Family Credit Management Services Michael McAuliffe 111 N Wabash 1408 Chicago IL 60602 12544329 false X www.familycredit.org X 1996 IL Family Credit Counseling Service Inc. provides financial education, counseling, and debt repayment assistance to individuals and families, with a focus on those experiencing financial hardship or excessive debt. 7 6 50 6 0 0 874171 773150 6390769 8711513 558305 494233 78047 77121 7901292 10056017 0 0 3611878 4309536 0 89889 2625227 3860270 6237105 8169806 1664187 1886211 10530471 12114882 1340447 1250542 9190024 10864340 Family Credit Counseling Service,Inc. DBA Family Credit Management exists to improve the financial well-being of individuals and families through financial education, counseling, and debt repayment assistance, with a focus on consumers experiencing financial hardship, excessive debt, or limited financial resources. false false 970101 0 0 Counseling Services: Family Credit Management provided individualized financial counseling and education services through telephone, online, and in-person channels. Services were designed to assist consumers in addressing financial distress, improving financial literacy, and achieving greater financial stability. Counseling services included budget analysis, spending plans, review of credit reports, evaluation of debt repayment options, housing counseling,and pre-bankruptcy counseling. Counselors worked with clients to assess income, expenses, and liabilities and develop action plans tailored to each households circumstances. Family Credit is approved by the U.S. Department of Justice to provide pre-filing bankruptcy counseling and issue certificates in accordance with federal requirements. Services were delivered by trained and supervised staff under established internal policies and procedures. 1376803 0 0 Education Services: Family Credit Management provided financial education services through workshops, seminars, digital content, and community outreach initiatives. These services were designed to improve financial literacy and promote informed financial decision-making, particularly for individuals and families experiencing financial hardship or limited financial resources. Educational topics included budgeting, saving, credit management, responsible use of credit, debt reduction strategies, and consumer awareness. Resources were provided through in-person presentations, virtual platforms, websites, publications, and other digital channels. Additional outreach included media appearances and educational programming focused on budgeting, money management, and consumer financial education. 4173121 0 8711513 Debt Management Program: Family Credit Management administered debt management plans for consumers seeking structured repayment assistance with unsecured debts. Under these plans, Family Credit worked with participating creditors to facilitate repayment through consolidated monthly payments, which may include reduced interest rates or fees when available. Participants also received ongoing counseling, budget reviews, and financial education designed to support sustainable financial habits and long-term financial stability. 6520025 true true false false false false false false true false true false false false false false true false false false false false false false false false false false false true false false false false false false true false false false false false false false false false false false true 3 0 true 50 true false false false false false false false false false false false false X 7 6 true false false false false false false true true false false true true true true true true true true false IL OR NH MT CA UT X Elizabeth Schomburg 8154841600 4306 Charles Street Rockford IL 61108 Michael McAuliffe MS Director & President 60.00 X X 447812 0 51991 Peyton Mendez Chairman 1.00 X 0 0 0 Carol Parlin Director 1.00 X 0 0 0 Ron Ruckert Director 1.00 X 0 0 0 Lourdes Delgado-Serrano MD MBA Director 1.00 X 0 0 0 Catherine Klepacki Director 1.00 X 0 0 0 Robert Wood Director 1.00 X 0 0 0 Elizabeth Schomburg MS Chief Financial Officer 50.00 X 166099 0 41006 Sarabeth O'Neil MS Senior Vice President 50.00 X 198321 0 9004 Erika Emanuel Information Tech Mgr 50.00 X 138409 0 33107 Alexandria Ingarra Counseling Dept Mgr 50.00 X 103037 0 11141 Christine Thorne Assistant Vice-Pres 50.00 X 156468 0 25968 Traci Walsh Assistant Vice-Pres 50.00 X 150805 0 16908 1360951 0 189125 7 false true false 773150 773150 Credit Counseling Revenue 541990 8711513 0 0 8711513 458850 0 458850 48815 43065 5750 5750 5750 2480630 2445247 35383 35383 0 0 35383 Other income 541990 71371 71371 0 0 71371 10056017 8782884 0 499983 912589 283467 604658 24464 2697419 2212646 467297 17476 93782 69906 22912 964 360650 281811 75551 3288 245096 178422 64141 2533 6235 0 6235 0 55445 9938 45507 0 56955 12326 44599 30 2217208 2183950 0 33258 304604 272682 30645 1277 486495 407462 73263 5770 89196 78046 10704 446 102140 76605 25535 0 76528 66962 9183 383 68163 34081 34082 0 Miscellaneous 21584 21584 0 0 Dues & Subscriptions 59060 35436 23624 0 Educational Materials 18662 18662 0 0 Sponsorship 1250 1250 0 0 296745 274789 21956 0 8169806 6520025 1559892 89889 1304734 2000258 287777 118712 244481 285495 2115440 1100222 1029731 1015218 7663077 8694528 671 671 10530471 12114882 501193 800067 839254 450475 1340447 1250542 X 9190024 10864340 9190024 10864340 10530471 12114882 1886211 -211895 X false true X true false X 0 0 1467843 644500 259300 874171 773150 4018964 5797185 5148645 5302759 6390769 8711513 31350871 0 0 7265028 5793145 5562059 7264940 9484663 35369835 0 814436 723087 752497 866817 1073878 4230715 814436 723087 752497 866817 1073878 4230715 31139120 435912 305673 362385 490632 507665 2102267 435912 305673 362385 490632 507665 2102267 39497 47122 51547 69085 71371 278622 7740437 6145940 5975991 7824657 10063699 37750724 0.82490 0.82170 0.05570 0.05380 X Pt III Ln 12 Other Income Part III, Line 12 Description: Other Income 2021: 39497. 2022: 47122. 2023: 51547. 2024: 69085. 2025: 71371. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false true X 75998 67830 143828 287364 894161 573175 608350 258970 247584 11386 531117 279463 251654 1015218 9844122 -211895 -211895 10056017 10056017 8169806 8169806 8169806 Pt IV, Line 2b The organization provides a debt management program Pt IV, Line 2b and holds client funds in escrow for a short period Pt IV, Line 2b before remitting funds to client creditors. X X X false false false false false false false false false Michael McAuliffe MS 415891 0 31921 0 0 0 21000 0 30991 0 499803 0 0 0 Elizabeth Schomburg MS 134178 0 31921 0 0 0 10015 0 30991 0 207105 0 0 0 Sarabeth O'Neil MS 166400 0 31921 0 0 0 8996 0 8 0 207325 0 0 0 Erika Emanuel 106488 0 31921 0 0 0 8631 0 24476 0 171516 0 0 0 Christine Thorne 124547 0 31921 0 0 0 9646 0 16322 0 182436 0 0 0 Traci Walsh 118884 0 31921 0 0 0 8000 0 8908 0 167713 0 0 0 Sarabeth O'Neil Spouse of President 207325 Compensation false Erika Emanuel Family Member of Sr Vice Pres 171516 Compensation false Justin Emanuel Family Member of Sr Vice Pres 37779 Compensation false Pt VI, Line 2 The President and Senior Vice President are spouses. Pt VI, Line 2 The Senior Vice President is the half-sibling of Pt VI, Line 2 Justin Emanuel, who is employed by the organization. Pt VI, Line 2 Justin Emanuels spouse is also employed by the Pt VI, Line 2 organization. Pt VI, Line 11b The 990 is distributed to top management officals for Pt VI, Line 11b their review. Their comments are given to the 990 Pt VI, Line 11b preparer who makes any changes needed. Directors are Pt VI, Line 11b also given a copy of the 990 prior to submission and Pt VI, Line 11b given the opportunity to raise questions and make Pt VI, Line 11b comments. Pt VI, Line 12c These declarations are collected by the Secretary at Pt VI, Line 12c the May Board meeting. All officers and directors are Pt VI, Line 12c required to complete the disclosure form. Pt VI, Line 15a Comparability data for top management compensation is Pt VI, Line 15a obtained from external sources and used to determine Pt VI, Line 15a the compensation amounts for the President & Treasurer. Pt VI, Line 15b The Board of Directors has also engaged external Pt VI, Line 15b executive compensation consultants to review the Pt VI, Line 15b compensation structure against comparable organizations. Pt VI, Line 19 The organization makes its governing documents, conflict Pt VI, Line 19 of interest policy and financial statements available Pt VI, Line 19 to the public upon request.