2024-09-10T14:25:58-05:00 2023-12-31 410746749 CLIFTONLARSONALLEN LLP 1785 INDIAN WOOD CIRCLE MAUMEE OH 43537 990 2023-01-01 231671903 CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY CONS 2155635665 1635 MARKET ST 5TH FL PHILADELPHIA PA 19103 STEVE GARDNER EXECUTIVE DIRECTOR 2155635665 2024-09-06 1 1 DOUGLAS S SOSKO P01009253 4197942000 2024-09-06 2023 2024-08-08 14:25:15Z CLARIFI STEVE GARDNER 1635 MARKET ST 5TH FL PHILADELPHIA PA 19103 6191024 0 X WWW.CLARIFI.ORG X 1966 PA WE CREATE HOPE BY HELPING PEOPLE IDENTIFY AND SECURE THE MOST IMPORTANT ASSETS IN THEIR LIVES. 15 15 65 217 0 0 5487842 6026325 0 0 -47156 144289 3 20371 5440689 6190985 0 0 0 0 3889896 3396765 0 0 395245 1178834 1644815 5068730 5041580 371959 1149405 7145801 8821060 3024330 3378191 4121471 5442869 X WE EMPOWER INDIVIDUALS TO ACHIEVE FINANCIAL RESILIENCE AND POSITIVELY IMPACT THEIR COMMUNITIES. OUR ENVISIONED FUTURE IS ONE IN WHICH PATHWAYS TO FINANCIAL WELLNESS ARE ACCESSIBLE TO EVERYONE. 0 0 2542368 FINANCIAL EMPOWERMENT (PUBLIC SUPPORT): CLARIFI'S FINANCIAL EMPOWERMENT PROGRAM UTILIZES A RELATIONSHIP-BASED, CASE MANAGEMENT APPROACH TO COUNSELING INDIVIDUALS TOWARDS FINANCIAL RESILIENCE. COUNSELORS BUILD LONG-TERM RELATIONSHIPS WITH CLIENTS BASED ON EMPATHY AND TRUST, HELPING THEM SET THEIR OWN FINANCIAL GOALS AND CREATE A STEP-BY-STEP ACTION PLAN FOR ACHIEVING THEM, INCLUDING REDUCED DEBT, IMPROVED CREDIT, AND INCREASING SAVINGS. DURING INITIAL APPOINTMENTS, COUNSELORS WORK WITH THEIR CLIENTS TO COMPLETE AN INCOME/EXPENSE ANALYSIS, IDENTIFY FINANCIAL GOALS, AND DEVELOP A WRITTEN ACTION PLAN FOR ACHIEVING SAID GOALS. COUNSELORS ALSO FOLLOW UP WITH CLIENTS AT 30, 60, AND 90 DAYS POST-APPOINTMENT TO CHECK IN ON PROGRESS, RECORD OUTCOMES, CONNECT THE CLIENT WITH ADDITIONAL RESOURCES, AND SCHEDULE FURTHER APPOINTMENTS. SERVICES ARE OFTEN PROVIDED IN COMMUNITY-BASED LOCATIONS IN PARTNERSHIP WITH OTHER ORGANIZATIONS SUCH AS CAREERLINK AND CHILDREN'S HOSPITAL OF PHILADELPHIA. THERE ARE NO ELIGIBILITY REQUIREMENTS AND NO LIMITATIONS ON THE VOLUME OF SERVICE PER CLIENT. CLIENTS OFTEN RETURN FOR MULTIPLE FOLLOW-UP APPOINTMENTS. THIS METHODOLOGY INCREASES THE CHANGE THAT EACH CLIENT MAKES POSITIVE BEHAVIORAL CHANGES AND MAINTAIN FINANCIALLY HEALTHY BEHAVIORS OVER TIME, BOTH OF WHICH YIELD STRONG, MEASURABLE LONG-TERM OUTCOMES. IN 2023, CLARIFI PROVIDED 3,757 FINANCIAL EMPOWERMENT COUNSELING SESSIONS TO 2,178 UNIQUE CLIENTS. OF THOSE CLIENTS, 252 REDUCED USE OF SHORT-TERM CREDIT, 517 ESTABLISHED EMERGENCY SAVINGS, 13 ESTABLISHED A CREDIT PROFILE, 266 INCREASED THEIR CREDIT SCORE BY 35+ POINTS, AND 671 ACHIEVED AND MAINTAINED CAPACITY TO MEET BASIC NEEDS FOR 90 DAYS. 1173401 HOUSING (PUBLIC SUPPORT): CLARIFI'S COUNSELORS HELP FAMILIES FIND, SECURE, AND MAINTAIN SAFE HOUSINGAND, IF THEY OWN A HOME, PRESERVE IT FOR THEMSELVES AND THE NEXT GENERATION. CLARIFI'S HOUSING SERVICES SPAN THE ENTIRETY OF THE HOUSING SPECTRUM INCLUDING FORECLOSURE AND EVICTION PREVENTION, PRE-PURCHASE COUNSELING, HOME REPAIR ACCESS, AND TENANCY PREPARATION. CLARIFI'S HOUSING COUNSELORS, CERTIFIED BY THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT, UTILIZE A CASE-MANAGEMENT MODEL TO HELP THEIR CLIENTS ACHIEVE THEIR HOUSING GOALS. DURING INITIAL APPOINTMENTS, COUNSELORS WORK WITH THEIR CLIENTS TO COMPLETE AN INCOME/EXPENSE ANALYSIS, IDENTIFY HOUSING GOALS, AND DEVELOP A WRITTEN ACTION PLAN FOR ACHIEVING SAID GOALS. COUNSELORS ALSO FOLLOW UP WITH CLIENTS AT 30, 60, AND 90 DAYS POST-APPOINTMENT TO CHECK IN ON PROGRESS, RECORD OUTCOMES, CONNECT THE CLIENT WITH ADDITIONAL RESOURCES, AND SCHEDULE FURTHER APPOINTMENTS. RENTAL COUNSELING INCLUDES EVICTION PREVENTION THROUGH LANDLORD/TENANT MEDIATION, LEASING EDUCATION, LANDLORD ADVOCACY (BASED IN SAFE, WARM, DRY STANDARDS), AND LEASING PREPARATION (SAVING FOR DEPOSITS, CREDIT COUNSELING, ETC.) PRE-PURCHASE SERVICES INCLUDE PURCHASE PLANNING AND EDUCATION, PURCHASE GUIDANCE, AND HOMEBUYER GRANT APPLICATION ASSISTANCE. FORECLOSURE PREVENTION SERVICES INCLUDE MORTGAGE DELINQUENCY NEGOTIATION, FORECLOSURE CONCILIATION, EMERGENCY ASSISTANCE APPLICATIONS, AND COURT BASED ADVOCACY IN PHILADELPHIA, MONTGOMERY COUNTY, DELAWARE COUNTY, NEW JERSEY AND DELAWARE. LASTLY, CLARIFI OFFERS ACCESS TO THE RESTORE, REPAIR, RENEW HOME PRESERVATION LOAN PROGRAM, CONNECTING PHILADELPHIA HOMEOWNERS WITH LOW-INTEREST HOME REPAIR LOANS. ADDITIONALLY, CLARIFI'S COUNSELORS MAINTAIN A LARGE REFERRAL NETWORK AND OFTEN CONNECT THEIR CLIENTS TO ADDITIONAL RESOURCES SUCH AS UTILITIES, FOOD, AND CLOTHING ASSISTANCE. IN 2023, CLARIFI PROVIDED 1,141 HOUSING COUNSELING SESSIONS TO 1,025 UNIQUE CLIENTS. OF OUR HOUSING CLIENTS, 21 PURCHASED A HOME, 57 PREVENTED AN EVICTION, AND 182 REPORTED AVOIDING FORECLOSURE OR WERE IN THEIR HOMES WORKING TOWARD A SOLUTION AS OF 12/31/23. 195566 CLIENT GRANTS (PUBLIC SUPPORT): CLARIFI'S CLIENT GRANTS PROGRAM EMPOWERS FAMILIES TO ACHIEVE A RANGE OF POSITIVE OUTCOMES THAT FINANCIAL EMPOWERMENT AND HOUSING COUNSELING ALONE CANNOT, INCLUDING RESOLVING A CRISIS AND SECURING A FOUNDATION FOR BUILDING WEALTH. CLARIFI SUPPORTS THE ADVANCEMENT OF FINANCIAL JUSTICE BY DIRECTING RESOURCES TOWARDS THE COMMUNITIES WE SERVE, HELPING THEM MANAGE THROUGH AN ACUTE CRISIS, SUPPORT ECONOMIC MOBILITY AND BUILD SUSTAINABLE WEALTH, OFTEN IN THE FORM OF HOME OWNERSHIP. IN 2023, CLARIFI DISTRIBUTED CLIENT GRANTS TO 657 INDIVIDUALS TOTALING $561,000. 3911335 1 1 0 0 0 0 0 0 1 0 1 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 19 0 65 1 0 0 0 0 0 0 0 0 0 0 0 0 X 15 15 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 0 0 PA NJ X X MICHAEL SHINKONIS CFO 2485535400 36500 CORPORATE DRIVE FARMINGTON HILLS MI 48331 RICHARD T HOLLIS CHIEF FINANCIAL OFFICER 3.00 37.00 X 0 284124 28779 STEPHEN GARDNER EXECUTIVE DIRECTOR 40.00 0.00 X 194217 0 9578 MICHAEL SHINKONIS DIRECTOR OF FINANCE AND ACCOUNTING 4.00 36.00 X 0 178452 23368 SCOTT KAROL DEPUTY DIRECTOR 40.00 0.00 X 146151 0 7533 JILL ROBERTS DIRECTOR OF ADVOCACY 40.00 0.00 X 106209 0 11810 WAYNE ANGLACE CHAIR 2.00 0.00 X X 0 0 0 PETER BILINSKY VICE CHAIR 2.00 0.00 X X 0 0 0 GEORGE BENHAM III DIRECTOR 1.00 0.00 X 0 0 0 EMILIA BERRY DIRECTOR (RESIGNED 06/2023) 1.00 0.00 X 0 0 0 DANA BROWN DIRECTOR 1.00 0.00 X 0 0 0 AMY CARDER DIRECTOR 1.00 0.00 X 0 0 0 JIM HARRINGTON DIRECTOR 1.00 0.00 X 0 0 0 JEFF HENNESSY DIRECTOR 1.00 0.00 X 0 0 0 JILL HERRIOTT DIRECTOR 1.00 0.00 X 0 0 0 ALAN KAPLAN DIRECTOR 1.00 0.00 X 0 0 0 KATHLEEN LEONIK DIRECTOR (RESIGNED 06/2023) 1.00 0.00 X 0 0 0 ALEXANDRA SAMUELS DIRECTOR 1.00 0.00 X 0 0 0 ANTHONY SHORE DIRECTOR 1.00 0.00 X 0 0 0 ANDREW SOVEN DIRECTOR (RESIGNED 06/2023) 1.00 0.00 X 0 0 0 LAURA STANSBURY DIRECTOR 1.00 0.00 X 0 0 0 CATHERINE ULOZAS DIRECTOR 1.00 0.00 X 0 0 0 KATHLEEN WILLIAMSON DIRECTOR 1.00 0.00 X 0 0 0 ANGELA WILSEY DIRECTOR (RESIGNED 06/2023) 1.00 0.00 X 0 0 0 DANA YAMATE DIRECTOR 1.00 0.00 X 0 0 0 446577 462576 81068 3 0 1 0 0 310148 149645 4066198 1500334 6026325 125127 125127 19201 39 19162 19162 19162 MISCELLANEOUS INCOME 900099 20371 20371 20371 6190985 0 0 164660 203795 203795 2681730 2136517 322267 222946 91685 83874 5258 2553 207631 184312 12006 11313 211924 172211 22187 17526 3303 3303 2483 2483 4979 4979 60092 28956 1136 30000 92663 9365 353 82945 368776 226566 123524 18686 134759 131478 119 3162 238614 238614 17979 6533 11409 37 30732 7744 22988 32124 32124 18744 18744 GRANT EXPENSE 560600 560600 TELEPHONE 57703 53962 2177 1564 EQUIPMENT: MAINTENANCE 12877 11854 1023 DUES & SUBSCRIPTIONS 8387 4578 319 3490 5041580 3911335 735000 395245 2038273 1561843 1596380 1293593 13713 16182 236777 201507 67393 35270 1885935 4371746 1544107 1542426 7145801 8821060 306726 337981 1094802 1428907 480950 646750 1141852 964553 3024330 3378191 X 3767304 5302035 354167 140834 4121471 5442869 7145801 8821060 X 1149405 162824 9169 X 0 1 X 1 1 1 X 4535833 4645978 4707961 5487842 6026325 25403939 88486 88486 4624319 4645978 4707961 5487842 6026325 25492425 0 0 0 25492425 52932 77844 83753 37159 126031 377719 52932 77844 83753 37159 126031 377719 14033 662 4688 3 20371 39757 4691284 4724484 4796402 5525004 6172727 25909901 0.98390 0.98730 0.01460 0.01190 X SCHEDULE A, PART III, LINE 12, EXPLANATION OF OTHER INCOME: MISCELLANEOUS INCOME - 2019 AMOUNT: $ 14,033. 2020 AMOUNT: $ 662. 2021 AMOUNT: $ 4,688. 2022 AMOUNT: $ 3. 2023 AMOUNT: $ 20,371. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 199489 168539 30950 37288 32968 4320 35270 SECURITY DEPOSITS 30191 OPERATING RIGHT OF USE ASSET 865485 CONTRACTED SERVICES RESTRICTED FUND 646750 1542426 OPERATING LEASE LIABILITY 964553 964553 X PART IV, LINE 2B: CLARIFI HAS SEVERAL PROGRAMS IN WHICH THEY EARN PROGRAM ADMINISTRATIVE REVENUE FOR PROCESSING MICROGRANT PAYMENTS OR BILL PAYER PAYMENTS THROUGH THEIR DEBT MANAGEMENT SOFTWARE. FUNDS RECEIVED FOR FUTURE PAYMENTS ARE RESTRICTED FOR THESE CONTRACTED SERVICES. PART X, LINE 2: THE ORGANIZATION IS EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(C)(3) OF THE IRC. THE ORGANIZATION DETERMINED IT WAS NOT REQUIRED TO RECORD A LIABILITY RELATED TO UNCERTAIN TAX POSITIONS. X X X X X 0 0 0 0 0 0 0 0 0 RICHARD T HOLLIS CHIEF FINANCIAL OFFICER 0 232753 0 51246 0 125 0 14321 0 14458 0 312903 0 0 STEPHEN GARDNER EXECUTIVE DIRECTOR 176150 0 14400 0 3667 0 9578 0 0 0 203795 0 0 0 MICHAEL SHINKONIS DIRECTOR OF FINANCE AND ACCOUNTING 0 162220 0 16232 0 0 0 9355 0 14013 0 201820 0 0 SCOTT KAROL DEPUTY DIRECTOR 132838 0 11830 0 1483 0 7533 0 0 0 153684 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE SOLE MEMBER OF CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY (CCCS OF DE VALLEY) IS GREENPATH, INC. FORM 990, PART VI, SECTION A, LINE 7A CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY (CCCS OF DE VALLEY) IS A SOLE MEMBER STRUCTURE, WHERE THE SOLE MEMBER OF CCCS OF DE VALLEY IS INVOLVED IN SIGNIFICANT GOVERNANCE AND FINANCIAL DECISIONS INCLUDING THE FINAL AUTHORITY OVER THE COMPOSION OF THE BOARD OF DIRECTORS OF CCCS OF DE VALLEY. FORM 990, PART VI, SECTION A, LINE 7B CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY (CCCS OF DE VALLEY) IS A SOLE MEMBER STRUCTURE, WHERE THE SOLE MEMBER OF CCCS OF DE VALLEY IS INVOLVED IN SIGNIFICANT GOVERNANCE AND FINANCIAL DECISIONS INCLUDING THE FINAL AUTHORITY OVER THE COMPOSION OF THE BOARD OF DIRECTORS OF CCCS OF DE VALLEY. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED WITH THE ASSISTANCE OF AN INDEPENDENT ACCOUNTING FIRM. PRIOR TO ITS FILING, THE FINANCE AND AUDIT COMMITTEE REVIEWS THE DOCUMENT IN ITS ENTIRETY IN CONJUNCTION WITH ORGANIZATION MANAGEMENT. PRIOR TO FILING THE FORM 990 THE FINANCE COMMITTEE ADVISES THE BOARD OF ITS APPROVAL, DISTRIBUTES THE FORM 990 TO ALL BOARD MEMBERS AND SOLICITS COMMENTS OR REQUESTS FOR ADDITIONAL INFORMATION. FORM 990, PART VI, SECTION B, LINE 12C EMPLOYEES AND BOARD MEMBERS ARE SUBJECT TO A CONFLICT OF INTEREST POLICY. A BOARD MEMBER WHO, INDIVIDUALLY OR AS PART OF A BUSINESS OR PROFESSIONAL FIRM, IS INVOLVED IN ANY BUSINESS TRANSACTIONS OR SIMILAR RELATIONSHIPS WITH THE AGENCY SHALL DISCLOSE THIS RELATIONSHIP TO THE BOARD AND SHALL NOT PARTICIPATE IN ANY VOTE TAKEN IN RESPECT TO SUCH TRANSACTIONS OR SERVICES. THE BOARD OF DIRECTORS WILL MAKE THE DETERMINATION AS TO WHETHER A POTENTIAL CONFLICT IS AN ACTUAL CONFLICT ON INTEREST. FORM 990, PART VI, SECTION B, LINE 15A THE BOARD RELIES ON AN INDEPENDENT, THIRD PARTY COMPENSATION CONSULTANT TO COLLECT COMPARABILITY DATA, ASSESS MARKET TRENDS AND MAKE RECOMMENDATIONS ON THE TOP MANAGEMENT OFFICAL'S COMPENSATION PACKAGE. THE SAMPLE OF COMPARABLE ORGANIZATIONS IS COMPOSED OF ORGANIZATIONS FROM WHICH CLARIFI MIGHT RECRUIT A FUTURE TOP MANAGEMENT OFFICAL OR WHICH MIGHT HAVE AN INTEREST IN TRYING TO RECRUIT CLARIFI'S TOP MANAGEMENT OFFICAL AND WHICH ADDITIONALLY ARE LOCATED IN LABOR MARKETS WHERE CLARIFI HAS A SIGNIFICANT PRESENCE. SPECIFIC DEGREE OF COMPARABILITY IS BASED ON A) GROSS RECEIPTS AND B) TOTAL ASSETS. THE DELIBERATION AND FINAL DECISION ARE TIMELY DOCUMENTED IN THE MEETING MINUTES. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION DOES NOT MAKE ITS GOVERNING DOCUMENTS OR CONFLICT OF INTEREST POLICY AVAILABLE TO THE PUBLIC. THE ORGANIZATION DOES MAKE ITS FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 9: DISCOUNT ON TREASURY NOTE 9,169. GREENPATH INC 36500 CORPORATE DRIVE FARMINGTON HILLS MI 48331 386142925 COUNSELING MI 501(C)(3) LINE 10 GREENPATH INC 0 HOMEOWNERSHIP PRESERVATION FOUNDATION 36500 CORPORATE DRIVE FARMINGTON HILLS MI 48331 522403507 HOUSING MN 501(C)(3) LINE 10 GREENPATH INC 0 RURAL DYNAMICS INC 410 CENTRAL AVENUE 401 GREAT FALLS MT 59401 810303443 DEBT RESTRUCTURING, FINANCIAL EDUCATION, TAX RETURN PREPARATION MT 501(C)(3) LINE 7 GREENPATH INC 0 GREENPATH INNOVATION DESIGN 36500 CORPORATE DRIVE FARMINGTON HILLS MI 48331 923340798 PRODUCT DEVELOPMENT FOR UNDERSERVED POPULATIONS AND NONPROFIT MI 501(C)(3) LINE 10 GREENPATH INC 0 CCCS OF PUERTO RICO INC 1607 PONCE DE LEON AVE CORBIANS PLA SANTURCE PR 00909 660471799 FINANCIAL CONSULTING SERVICES PR 501(C)(3) LINE 10 GREENPATH INC 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 1 0 0 0