2026-06-25T07:16:32-05:00 2025-09-30 593761263 RA SIMASEK PA 601 N FERN CREEK AVE STE 110 ORLANDO FL 32803 990 2024-10-01 593548266 CONSUMER DEBT COUNSELORS INC CONS 4075990057 831 WEST MORSE BLVD WINTER PARK FL 32789 GEORGE JANAS PRESIDENT 4075990057 2026-06-23 1 1 REGIS MARTIN SIMASEK P00469121 4078945050 2024 2025-03-06 01:10:19Z GEORGE JANAS 831 WEST MORSE BLVD WINTER PARK FL 32789 1701867 0 X WWW.CONSUMERDEBTCOUNSELORS.COM X 1998 FL FINANCIAL CRISIS COUNSELING AND FINANCIAL LITERACY. 4 4 15 0 0 0 277198 176333 1230518 1525534 0 0 0 0 1507716 1701867 0 0 0 0 862354 869207 0 0 0 641216 730605 1503570 1599812 4146 102055 530288 994879 443767 806303 86521 188576 X PROVIDE FINANCIAL LITERACY PROGRAMS THAT PROMOTE THE STEWARDSHIP OF FINANCIAL RESOURCES; PROVIDE FINANCIAL CRISIS COUNSELING ON A LOW-COST/NO-COST BASIS; AND, SERVE AS A COMMUNITY RESOURCE FOR FINANCIAL COUNSELING AND EDUCATION. 0 0 1144799 1159406 CONSUMER DEBT COUNSELORS PROVIDES FINANCIAL COUNSELING AND EDUCATION AND PROMOTES FINANCIAL WELLNESS TO UNDERSERVED AMERICAN FAMILIES. THE ORGANIZATION IS A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING (NFCC), IS AN ACCREDITED MEMBER OF THE BETTER BUSINESS BUREAU WITH AN A+ RATING, AND HAS AN ISO 9001 CERTIFIED QUALITY MANAGEMENT SYSTEM. CLIENTS WHO BOOK AN APPOINTMENT WITH A CERTIFIED CREDIT COUNSELOR COMPLETE A DETAILED FINANCIAL REVIEW. THEY WORK WITH THEIR COUNSELOR TO DEFINE THEIR FINANCIAL GOALS, ESTABLISH A BUDGET, AND CREATE AN ACTION PLAN TO ACHIEVE THEM. ALL FINANCIAL COUNSELING IS PROVIDED AT NO COST TO OUR CLIENTELE. GENEROUS GRANTS FROM COMMUNITY PARTNERS SUPPLY FUNDING. SOME CLIENTS WHO UNDERGO FINANCIAL COUNSELING MAY ENROLL IN A DEBT MANAGEMENT PROGRAM (DMP), WHICH ALLOWS CREDITORS TO RECOVER TOTAL OUTSTANDING BALANCES WHILE NEGOTIATING CONCESSIONS LIKE LOWER INTEREST RATES TO ENSURE CLIENTS CAN REPAY THEIR DEBTS WITHOUT ADDITIONAL FINANCIAL DIFFICULTIES. DURING THE 2025 FISCAL YEAR, CONSUMER DEBT COUNSELORS CONDUCTED 3155 FINANCIAL COUNSELING SESSIONS IN PERSON, ONLINE, AND OVER THE TELEPHONE. IN THE SAME PERIOD, 963 CLIENTS STARTED A NEW DMP, AND 339 CLIENTS SUCCESSFULLY COMPLETED A DMP. 256072 259340 SINCE 2012, CONSUMER DEBT COUNSELORS HAS MET THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT'S (HUD) STRICT REQUIREMENTS TO BE A HUD-CERTIFIED HOUSING COUNSELING AGENCY. OUR HOUSING COUNSELORS WORK WITH UNDERSERVED COMMUNITIES TO OVERCOME HOUSING CHALLENGES IN MULTIPLE AREAS, INCLUDING FAIR HOUSING, HOMELESSNESS, RENTAL HOUSING, HOMEOWNERSHIP, MORTGAGE MODIFICATION, AND FORECLOSURE ASSISTANCE AND EDUCATION. ALL HOUSING COUNSELING SERVICES ARE PROVIDED AT NO COST TO CLIENTS. FUNDING FOR HOUSING PROGRAMS COMES FROM VARIOUS SOURCES, INCLUDING THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD), COMMUNITY PARTNERSHIPS, AND STATE AND LOCAL GOVERNMENTS. SOME HOUSING CLIENTS ENGAGE THE ORGANIZATION VIA WORKSHOPS. CONSUMER DEBT COUNSELORS REGULARLY HOLD SEMINARS ON BOTH PRE-PURCHASE AND POST-PURCHASE HOMEOWNERSHIP EDUCATION. DURING THE 2025 FISCAL YEAR, THE ORGANIZATION HELD 12 WORKSHOPS. OTHER HOUSING CLIENTS ENGAGE IN ONE-ON-ONE COUNSELING. DURING THE 2025 FISCAL YEAR, CONSUMER DEBT COUNSELORS PROVIDED ONE-ON-ONE HOUSING COUNSELING TO 587 CLIENTS. OVERALL, INCLUDING BOTH WORKSHOPS AND ONE-ON-ONE COUNSELING, CONSUMER DEBT COUNSELORS IMPROVED THE FINANCIAL CAPABILITIES AND SKILLS OF 696 CLIENTS, REFERRED 399 CLIENTS TO ADDITIONAL HOUSING SERVICES, REFERRED 5 CLIENTS TO OTHER SOCIAL SERVICES, COMPLETED 43 HOMELESS OR RENTAL COUNSELING SESSIONS, AND DELIVERED 39 PRE-PURCHASE COUNSELING SESSIONS THAT RESULTED IN THE PURCHASE OF A HOME. 105442 106788 CONSUMER DEBT COUNSELORS SEEKS TO BE A TRUSTED AND RESPECTED VOICE FOR CONSUMER FINANCIAL EDUCATION AND PROBLEM RESOLUTION IN OUR COMMUNITIES. ONE OF OUR PRIMARY FOCUS AREAS IS COMMUNITY OUTREACH. SINCE 2015, CONSUMER DEBT COUNSELORS HAS BEEN A PROUD SPONSOR OF JEWISH FAMILY SERVICES OF GREATER ORLANDO'S (JFS ORLANDO) FAMILY STABILIZATION PROGRAM (FSP). THE FSP IS A PREVENTATIVE, SIX-MONTH CASE MANAGEMENT PROGRAM DESIGNED TO HELP FAMILIES OBTAIN SELF-SUFFICIENCY BY TEACHING THEM CRITICAL SKILLS AND TOOLS TO RESOLVE CRISES AND AVOID FUTURE HARDSHIPS WHILE ACHIEVING LONG-TERM STABILITY. THE PROGRAM'S PRIMARY OBJECTIVES ARE TO IMPROVE FINANCIAL MANAGEMENT SKILLS, EMPLOYABILITY, FAMILY STABILITY, AND MENTAL HEALTH AND TO MAINTAIN OR IMPROVE HOUSING. THIS IS ACCOMPLISHED BY PROVIDING CLIENTS WITH VARIOUS SUPPORTIVE SERVICES AT NO COST TO PARTICIPANTS. CONSUMER DEBT COUNSELORS PROVIDES WORKSHOPS ON CRISIS BUDGETING, REBUILDING CREDIT, SAVING, AND BASIC MONEY MANAGEMENT FOR EACH COHORT. ADDITIONALLY, THE ORGANIZATION PROVIDES ONGOING ONE-ON-ONE FINANCIAL COUNSELING FOR ALL PROGRAM PARTICIPANTS. DURING THE 2025 FISCAL YEAR, 40 HOUSEHOLDS PARTICIPATED IN JFS ORLANDO'S FSP. EACH OF THESE HOUSEHOLDS COMPLETED WORKSHOPS AND FINANCIAL COUNSELING SESSIONS. 1506313 1 1 0 0 0 0 0 0 1 0 1 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 1 0 0 15 1 0 0 0 0 0 0 0 0 0 0 X 4 4 0 0 0 0 0 0 0 1 1 0 0 0 1 1 1 1 1 1 0 0 IL NY CA X X GEORGE JANAS 4075990057 831 WEST MORSE BLVD WINTER PARK FL 32789 GEORGE JANAS CLU CHFC FICF PRESIDENT 40.00 X X 0 0 14321 JAY GEWOLB MD SECRETARY/TRUSTEE 0.50 X X 0 0 0 JAMES H SULLIVAN CPA MAS CSA AFC TREASURER/TRUSTEE 0.50 X X 0 0 0 K LAYNE HALL TRUSTEE 0.50 X 0 0 0 JOSEPH BOURKE TRUSTEE 0.50 X 0 0 0 KELLEY CLARK MARTIN COO 40.00 X 67081 0 0 67081 0 14321 0 0 0 0 0 176333 176333 PROGRAM FEES 525990 1525534 1525534 1525534 1701867 1525534 0 0 81402 65242 16160 697732 648898 48834 90073 83768 6305 124093 124093 73615 73615 18853 17533 1320 152370 152370 84362 78457 5905 24730 22999 1731 85045 79092 5953 32371 30105 2266 COMMUNICATIONS EXPENSE 37459 34837 2622 CREDIT REPORTS 27018 27018 NFCC MEMBERSHIP 26433 26433 LICENSES AND PERMITS 16402 15254 1148 27854 26599 1255 1599812 1506313 93499 0 110114 147072 4377 2121 80802 61846 17978 18956 106482 173854 291337 652876 530288 994879 15675 21303 91031 293411 337061 491589 443767 806303 X 86521 188576 86521 188576 530288 994879 102055 0 X X 0 1 X 1 0 X 305872 105652 123200 277198 176333 988255 1487497 1302706 1345594 1230518 1525534 6891849 1793369 1408358 1468794 1507716 1701867 7880104 0 0 0 7880104 1793369 1408358 1468794 1507716 1701867 7880104 1.00000 1.00000 0.00000 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 80802 61846 18956 18956 CASH - RESTRICTED FOR EXCHANGE ACCOUNT 293411 GRANTS AND CONTRACTS RECEIVABLE 37876 OPERATING LEASE RIGHT OF USE ASSET 321589 652876 LINE OF CREDIT 170000 OPERATING LEASE LIABILITY 321589 491589 1701867 0 1701867 0 1701867 1599812 0 1599812 0 1599812 PART IV, LINE 2B: THE ORGANIZATION MAINTAINS AN ESCROW LIABILITY ACCOUNT AND RELATED BANK ACCOUNT FOR THE PROCESSING OF PAYMENTS RECEIVED FROM CLIENTS IN ACCORDANCE WITH RELATED AGREEMENTS. THE BALANCE IN THE BANK ACCOUNT AT ANY POINT IN TIME IS OFFSET BY THIS ESCROW CONTRA LIABILITY ACCOUNT (I.E. EXCHANGE ACCOUNT CASH CONTRA). LLP-OWNER JAMES SULLIVAN OWNER OF LLP-MEMBER OF BOARD OF ORGANIZATION. 38500 OUTSOURCE REGULATORY COMPLIANCE CREDITOR AND ACCREDITATION DUE DILIGENCE. 0 FORM 990, PART VI, SECTION B, LINE 11B A DRAFT OF FORM 990 WAS REVIEWED IN DETAIL BY THE PRESIDENT AND A VOTING BOARD MEMBER (TREASURER) PRIOR TO SUBMISSION TO THE IRS. FORM 990 INFORMATION WILL BE PROVIDED TO THE OTHER BOARD MEMBERS AFTER SUBMISSION TO THE IRS. FORM 990, PART VI, SECTION B, LINE 12C ANNUALLY MEMBERS OF THE BOARD OF DIRECTORS, THROUGH A SIGNED AFFIDAVIT, AFFIRM THERE ARE NO CONFLICTS OF INTEREST OR ADVISING THERE ARE POSSIBILITIES WHICH MUST BE DISCUSSED. IN ADDITION, ANY NEW BOARD MEMBER RECEIVES THE CONFLICT OF INTEREST - ETHICS POLICY AND MUST COMPLETE THE AFFIDAVIT AT THAT TIME AND THEN ANNUALLY WITH THE OTHER BOARD MEMBERS. FORM 990, PART VI, SECTION B, LINE 15A EVERY YEAR, THE BOARD OF DIRECTORS GATHERS SALARY/BENEFITS INFORMATION THROUGH AVAILABLE COMPENSATION SURVEYS, ETC., WITH THE INTENT OF DETERMINING THAT THE SALARY OF OUR PRESIDENT/KEY EMPLOYEE IS APPROPRIATE FOR THE RESPONSIBILITIES REQUIRED. FORM 990, PART VI, SECTION C, LINE 19 CONSUMER DEBT COUNSELORS' PROVIDES THESE ITEMS UPON REQUEST. FORM 990, PART XII, LINE 2C: NO CHANGE FROM PRIOR YEAR.