2024-05-06T09:54:39-05:00 2023-12-31 161187988 Heveron & Company CPAs PLLC 260 Plymouth Avenue South Rochester NY 14608 990 2023-01-01 160972260 Consumer Credit Counseling Service of Rochester Inc CONS 5855463440 1050 University Avenue A Rochester NY 14607 Jason Tracy CEO 5855463440 2024-04-29 1 Jason Tracy 999009999 0 Stephanie Annunziata P00195472 5852322956 2024-04-29 2 AAL1 IAL1 2023 2023-04-26 12:10:37Z Jason Tracy 1050 University Avenue A Rochester NY 14607 4120968 0 X www.cccsofrochester.org X 1970 NY Educate and empower individuals to create a realistic budget to avoid bankruptcy. 15 15 44 15 0 0 1872642 1110759 1474228 1565876 227130 442807 38508 70286 3612508 3189728 102319 362202 0 0 2087171 2305665 0 0 0 1255587 1451381 3445077 4119248 167431 -929520 8142411 7547194 1410647 1443695 6731764 6103499 A nonprofit organization focused on the financial wellness of families and individuals. Our certified professionals provide confidential counseling, educational services, and other credit solutions that enable our clients to take control of their financial future. 0 0 3441695 362202 1636162 Consumer Credit Counseling Service of Rochester, Inc. (CCCS) provides a wide range of comprehensive financial literacy education, programming and counseling services that focus on improving financial wellness. In 2023, we served thousands of individuals and families across all our licensed locations with 81% of our clients meeting low to moderate income guidelines. Since February 2020, CCCS is the anchor counseling partner of the Cities for Financial Empowerment Fund's Financial Empowerment Center of Rochester. CCCS of Rochester maintains accreditation from the Council on Accreditation is a member of the National Foundation for Credit Counseling and continues to have an A+ rating with the Better Business Bureau. 3441695 1 1 0 1 0 0 0 0 1 1 1 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 1 1 0 1 44 1 0 0 0 0 0 0 0 0 0 0 0 0 X 15 15 0 0 0 0 0 0 0 1 1 0 0 0 1 1 1 1 1 1 1 0 NY TN X X The Organization 5855463440 1050 University Avenue A Rochester NY 14607 Steve Young Member 0.50 X 0 0 0 Steve Phillips Chairman 0.60 X X 0 0 0 Edward Saresky Vice Chair 0.60 X X 0 0 0 Terry Allenbrandt Treasurer 0.60 X X 0 0 0 Amelia Blake-Dowdle Member 0.50 X 0 0 0 Sara Shimmel Member 0.50 X 0 0 0 Stephen LaSalle II Member 0.50 X 0 0 0 Lynette Loomis Member 0.50 X 0 0 0 Cherrie Mahon Member 0.50 X 0 0 0 Dr Donna Haeger Member 0.50 X 0 0 0 Lee Drake Member 0.50 X 0 0 0 Anthony Scalia Member 0.50 X 0 0 0 John Roman Member 0.50 X 0 0 0 Kory Samuels Member 0.50 X 0 0 0 Josh Kaplan Member 0.50 X 0 0 0 Jason Tracy Chief Executive Officer 40.00 X 180380 0 17963 Christopher Camaione-Lind Chief Administrative Officer 40.00 X 124336 0 23741 304716 0 41704 2 0 1 0 0 366692 744067 1110759 Client Fees 541990 986332 986332 Creditor Fees 541990 487044 487044 Program Service Revenue 541990 92500 92500 1565876 137655 137655 1236392 931240 305152 305152 305152 Other Income 900099 70286 70286 70286 3189728 1636162 0 442807 362202 362202 346420 37019 309401 1500070 1418903 81167 49541 48459 1082 266090 251970 14120 143544 114835 28709 2731 2731 22618 22618 76686 12801 63885 290423 290423 216447 163282 53165 225849 211052 14797 165989 154370 11619 32834 32834 49585 45552 4033 6138 6138 49299 49299 84773 82230 2543 41695 38776 2919 Dues 88241 88241 Bad Debt Expense 58626 58626 Accreditation 3249 3249 36198 36198 4119248 3441695 677553 0 114253 97777 66126 70613 728456 218555 66809 85489 96711 65916 808292 532750 284887 275542 5483044 5517252 1302125 1216050 8142411 7547194 121094 130045 507808 546451 781745 767199 1410647 1443695 X 5850803 5857949 880961 245550 6731764 6103499 8142411 7547194 -929520 301255 0 X 0 1 X 1 0 X 686334 1221611 1211227 1872642 1110759 6102573 2344091 1892461 1846168 1474228 1565876 9122824 3030425 3114072 3057395 3346870 2676635 15225397 275757 221149 379019 974980 189800 2040705 230559 251868 231576 147374 191974 1053351 506316 473017 610595 1122354 381774 3094056 12131341 147277 111761 154402 142164 137655 693259 147277 111761 154402 142164 137655 693259 5678 18668 76745 38508 70286 209885 3183380 3244501 3288542 3527542 2884576 16128541 0.75220 0.74440 0.04300 0.04630 X Schedule A, Part III, Line 12, Explanation of Other Income: Other Program Revenue Management Fee RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 3441695 3441695 322085 80521 0 0 285162 287320 299400 322085 1193967 1790951 71291 71830 74850 80521 298492 447738 0 1 X 5483044 743826 687000 22618 5517252 6548365 -873698 168000 23623 5483044 6194372 789705 410029 25683 6548365 5873074 562067 218036 22733 6194372 5066715 911780 84020 21401 5873074 1.00000 0 0 133660 22277 111383 29549 10070 19479 645083 500403 144680 275542 Escrow Funds 551426 Other Assets 9486 Right-of-Use Assets - Operating Leases 655138 1216050 Operating Lease Liabilities 667199 Line of Credit 100000 767199 3468365 301255 -22618 278637 3189728 0 3189728 4096630 0 4096630 22618 22618 4119248 Part IV, Line 2b: The Debt Management Plan is a voluntary program that serves a dual purpose, helping the consumer repay their debts and helping creditors to receive money owed to them. Counselors will negotiate with creditors to determine an equitable and affordable payment. Each month the consumer will remit payment to Consumer Credit Counseling Service and then Consumer Credit Counseling Service will remit payment to each of the creditors. The Organization also provides financial capability enhancing educational programs in money management and intelligent use of credit. Part V, Line 4: The use of the board designated endowment is to support the Organization's program as necessary. Part XI, Line 2d - Other Adjustments: Investment Expenses -22,618. 1 Financial Support 5 24752 FMV Support for habitability improvements to affordable housing units including inspection and/or repair costs. Financial Support 28 20678 FMV Support on behalf of project uplift clients for car repairs, utilities, school and childcare expenses, medical bills, and other needed household supports Financial Support 272 316772 FMV Support on behalf of Path Forward program clients for car repairs, utilities, school and childcare expenses, medical bills, and other needed household supports as well as connections to other community resources as needed. Part I, Line 2: After determination for assistance was approved, any individual that received assistance did not receive cash, the vendor was paid directly on their behalf. X X 0 0 0 0 0 0 0 0 0 Jason Tracy Chief Executive Officer 180380 0 0 0 0 0 6301 0 11662 0 198343 0 0 0 Form 990, Part VI, Section B, line 11b Consumer Credit Counseling Service utilizes an external accounting firm to prepare the 990. Once completed, the forms are reviewed by the Audit Committee and Executive Committee, with the exception of Schedule B. Form 990, Part VI, Section B, line 12c The Conflict of Interest Policy is sent to the Board of Directors each year for review and signature of acknowledgement as well as any accountings for billings with the agency. The Audit Committee reviews the accounting for billings/services to determine an "arms length service" has been met. The Audit Committee makes a recommendation to approve the report and makes a recommendation to the Board of Directors for approval. Form 990, Part VI, Section B, line 15 Executive performance and compensation is reviewed annually by the Executive Committee. The Committee solicits feedback from the Board and utilizes independent data from a variety of sources including information obtained from salary surveys and comparable organizations 990s to determine appropriate compensation adjustments. Form 990, Part VI, Section C, line 19 Copies of financial statements and tax filings, along with other governing documents, can be obtained from the organization for a nominal fee. 1003 W 4th Street Property LLC 1050 University Avenue Suite A Rochester NY 14607 852276350 Real Estate IA Consumer Credit Counseling Service of Rochester Inc