2024-07-18T15:32:27-05:00 2023-12-31 341900735 CBIZ MHM OF FLORIDA LLC 2255 GLADES ROAD SUITE 321A BOCA RATON FL 33431 990 2023-01-01 650923483 DEBT MANAGEMENT CREDIT COUNSELING CORP DEBT 9544181466 1330 SE 4TH AVENUE SUITE F FORT LAUDERDALE FL 33316 PHIL HEINEMANN EXECUTIVE DIRECTOR 9544181466 2024-07-18 1 PHIL HEINEMANN 999009999 1 MICHAEL FISHER P01243324 5619945050 2024-07-18 2 AAL1 IAL1 2023 2023-04-26 12:10:37Z PHIL HEINEMANN 1330 SE 4TH AVENUE SUITE F FORT LAUDERDALE FL 33316 1828590 0 X WWW.DMCCCORP.ORG X 1999 FL PROVISION OF COUNSELING, EDUCATION AND DEBT REPAYMENT PLANS TO CONSUMERS. SEE PAGE 2, PART III, LINE 1 FOR ORGANIZATION'S MISSION AND PURPOSE 5 4 16 4 0 0 232955 319294 1410931 1509296 0 0 0 0 1643886 1828590 0 0 0 0 1198539 1248424 0 0 0 715263 773424 1913802 2021848 -269916 -193258 1097063 885350 989577 971122 107486 -85772 X OUR MISSION IS TO PROVIDE CONSUMERS EDUCATION AND BUDGET COUNSELING TO IMPROVE THEIR FINANCIAL LITERACY AND ASSIST THEM IN THE MANAGEMENT OF THEIR PERSONAL FINANCES. WE ARE COMMITTED TO PROVIDING CREDIT COUNSELING THROUGH EDUCATIONAL PROGRAMS AND MATERIALS, PERSONAL BUDGETING, HOUSING COUNSELING, AND DEBT MANAGEMENT PLANS TO FINANCIALLY DISTRESSED CONSUMERS, WHILE MAINTAINING FISCAL INTEGRITY AND UTILIZING THE HIGHEST QUALITY STANDARDS IN THE INDUSTRY. 0 0 1328934 6255 COUNSELING & EDUCATION:THE ORGANIZATION'S COUNSELING AND EDUCATION PROGRAMS FOCUS ON THE MANAGING OF CREDIT AND DEBT, BUDGETING OF PERSONAL FINANCES, AND HOUSING ISSUES. COUNSELING AND EDUCATION SERVICES ARE PRIMARILY PROVIDED THROUGH FACE-TO-FACE AND TELEPHONE COUNSELING SESSIONS, ONSITE SEMINARS AND WORKSHOPS AT SCHOOLS, COMMUNITY CENTERS AND BUSINESSES, ONLINE EDUCATIONAL COURSES, AND THE DISTRIBUTION OF FREE EDUCATIONAL MATERIALS. THE ORGANIZATION IS APPROVED BY HUD TO PROVIDE COMPREHENSIVE HOUSING COUNSELING TO RESIDENTS OF FLORIDA, INCLUDING PRE-PURCHASE COUNSELING AND HOMEBUYER EDUCATION, NON-DELINQUENCY POST PURCHASE COUNSELING, MORTGAGE DELINQUENCY AND DEFAULT RESOLUTION COUNSELING, FINANCIAL LITERACY, EDUCATIONAL WORKSHOPS, REVERSE MORTGAGE COUNSELING, AND HOMELESS COUNSELING SERVICES.SPECIFIC PROGRAM ACCOMPLISHMENTS ACHIEVED WERE AS FOLLOWS: DMCC CONDUCTED FINANCIAL EDUCATION SEMINARS AND WORKSHOPS FOR APPROXIMATELY 2,600 INDIVIDUALS FOR FIRST-TIME HOMEBUYERS, NONPROFIT COMMUNITY ORGANIZATIONS AND EMPLOYERS THROUGHOUT THE STATE OF FLORIDA. DMCC DISSEMINATED FREE FINANCIAL LITERATURE AND EDUCATIONAL MATERIALS TO ITS CLIENTS AND THE GENERAL PUBLIC THROUGH SEMINARS, THE U.S. MAIL, EMAIL AND ITS WEBSITES. EDUCATIONAL PAGES ON DMCC WEBSITES WERE VIEWED BY APPROXIMATELY 26,500 VISITORS DURING 2023. DMCC PROVIDED PERSONAL FINANCIAL COUNSELING TO APPROXIMATELY 3,500 CONSUMERS, OF WHICH 1,300 WERE ENROLLED IN A DMCC PROGRAM. DMCC WAS AWARDED GRANTS TOTALING $319,294 TO PROVIDE HOUSING COUNSELING AND FINANCIAL LITERACY EDUCATION, INCLUDING PRE-PURCHASE HOME BUYING, POST-PURCHASE HOME OWNERSHIP, FORECLOSURE AND RENTAL EVICTION PREVENTION, AND HOMELESS ASSISTANCE. DURING THE HUD 2023 FISCAL YEAR, DMCC PROVIDED HOUSING COUNSELING SERVICES TO APPROXIMATELY 900 INDIVIDUALS AND FAMILIES. 422347 1503041 DEBT MANAGEMENT PLANS:THE ORGANIZATION'S DEBT MANAGEMENT PLAN PROGRAM CONSISTS OF THE NEGOTIATION AND SERVICING OF REPAYMENT PLANS WITH CREDITORS ON BEHALF OF CONSUMER DEBTORS. THE PROVISION OF SUCH SERVICES IS REGULATED BY THE U.S. INTERNAL REVENUE SERVICE, MOST STATES, AND THE MAJOR BANKS PROVIDING THE UNDERLYING DEBT MANAGEMENT PLAN BENEFITS. REGULATIONS INCLUDE FEE RESTRICTIONS, BONDING AND INSURANCE, BANKING REQUIREMENTS, PRIVACY AND SECURITY POLICIES AND CONTROLS, ACCREDITATION AND CERTIFICATION OF THE ORGANIZATION, ITS MANAGEMENT AND EMPLOYEES, AND ANNUAL LICENSING AND REPORTING. THE ORGANIZATION IS ALSO SUBJECT TO PERIODIC AUDITS BY THESE REGULATING ENTITIES.SPECIFIC PROGRAM ACCOMPLISHMENTS ACHIEVED WERE AS FOLLOWS: DMCC SERVICED DEBT MANAGEMENT PLANS FOR APPROXIMATELY 6,000 CLIENTS, OF WHICH AN ESTIMATED 70% WERE LOW-MODERATE HOUSEHOLDS EARNING LESS THAN 80% OF THEIR AREA MEDIAN INCOME BASED ON GUIDELINES PUBLISHED BY THE U.S. DEPARTMENT OF HEALTH AND HUMAN SERVICES. DMCC DISBURSED OVER $16 MILLION IN DEBT REPAYMENTS TO THE CREDITORS OF ITS DEBT MANAGEMENT PLAN CLIENTS. DMCC SUCCESSFULLY COMPLETED OVER 1,400 DEBT MANAGEMENT PLAN ACCOUNTS FOR CLIENTS WHO REPAID THEIR ENROLLED DEBTS IN FULL. 1751281 1 1 0 0 0 0 0 0 1 0 1 0 0 1 1 1 1 0 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 0 0 0 0 1 0 0 1 16 1 0 0 0 0 0 0 0 0 0 0 0 0 X 5 4 0 0 0 0 0 0 0 1 0 1 1 1 1 1 1 1 1 1 1 1 0 MD IL OR NH FL X PHIL HEINEMANN EXECUTIVE DIRECTOR 9544181466 1330 SE 4TH AVENUE SUITE F FORT LAUDERDALE FL 33316 PHIL HEINEMANN PRESIDENT/EXEC DIRECTOR 40.00 X X 157310 0 25883 JOHN ALEMAN DIRECTOR 0.00 X 0 0 0 CAROL O'BRIEN SECRETARY 0.00 X X 0 0 0 SHANNON SCHAFFER VICE PRESIDENT 0.00 X X 0 0 0 WILLIAM KALAF TREASURER 0.00 X X 0 0 0 157310 0 25883 1 0 1 0 DEBT FREEDOM CONSULTANTS LLC 221 LAKE TERRACE DELRAY BEACH FL 33444 SOFTWARE & TELECOMMUNICATIONS 104312 1 304794 14500 319294 CLIENT FEES 541990 972859 972859 CREDITOR CONTRIBUTIONS 541990 536437 536437 1509296 1828590 1509296 0 0 X 157310 78655 78655 826966 770853 56113 182458 157211 25247 81690 70496 11194 17250 17250 159584 159584 32952 28468 4484 101012 84656 16356 46411 40090 6321 27014 20879 6135 17776 15340 2436 8288 7152 1136 50661 39083 11578 PAYMENT PROCESSING CHAR 152804 138188 14616 TELEPHONE 55265 47547 7718 DUES & LICENSES 44542 38373 6169 EQUIPMENT RENTAL AND MA 35625 30737 4888 24240 23969 271 2021848 1751281 270567 0 424399 175904 263810 300408 13153 13080 48629 31891 16935 16738 378766 379220 1097063 885350 99601 93596 371766 298311 518210 579215 989577 971122 X 107486 -85772 107486 -85772 1097063 885350 -193258 0 X 0 1 X 0 0 X 264927 430040 541120 232955 319294 1788336 1952591 1652586 1399020 1410931 1509296 7924424 2217518 2082626 1940140 1643886 1828590 9712760 0 0 0 9712760 2217518 2082626 1940140 1643886 1828590 9712760 1.00000 1.00000 0.00000 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 3788 1315 2473 36884 26285 10599 7957 4291 3666 16738 RESTRICTED CASH - TRUST ACCOUNT 298311 DEPOSITS AND OTHER 3500 LEASE ASSET - RIGHT OF USE 77409 379220 EIDL LOAN PAYABLE 501130 LEASE LIABILITY 78085 579215 X 1828590 0 1828590 0 1828590 2021848 0 2021848 0 2021848 PART IV, LINE 2B: CUSTODIAL ACCOUNT OF CLIENT FUNDS TO BE DISBURSED TO CREDITORS. PART X, LINE 2: THE ORGANIZATION HAS BEEN GRANTED TAX-EXEMPT STATUS UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE AS A CHARITABLE ORGANIZATION WHEREBY ONLY UNRELATED BUSINESS INCOME, IF ANY, IS SUBJECT TO INCOME TAX. ACCORDINGLY, NO PROVISION FOR INCOME TAXES IS RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS. THE ORGANIZATION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE ORGANIZATION'S FEDERAL INCOME TAX RETURNS FOR 2021 - 2023 REMAIN SUBJECT TO EXAMINATION BY MAJOR TAX JURISDICTIONS. X 0 0 0 0 0 0 0 0 0 PHIL HEINEMANN PRESIDENT/EXEC DIRECTOR 157310 0 0 0 0 0 0 0 25883 0 183193 0 0 0 FORM 990, PART VI, SECTION A, LINE 8B THIS ITEM IS N/A. FORM 990, PART VI, SECTION B, LINE 11B BEFORE FILING, THE ORGANIZATION'S FORM 990 IS FIRST REVIEWED BY THE EXECUTIVE DIRECTOR AND THEN PROVIDED TO EACH BOARD MEMBER FOR THEIR REVIEW. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION REGULARLY MONITORS AND ENFORCES COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY BY REQUIRING EACH BOARD MEMBER AND KEY EMPLOYEE TO SIGN AN AFFIDAVIT ANNUALLY. FORM 990, PART VI, SECTION B, LINE 15 THE COMPENSATION AMOUNTS ARE DETERMINED AND APPROVED BY THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION C, LINE 19 THESE DOCUMENTS ARE PROVIDED UPON REQUEST. FORM 990, PART VII CONTACT ADDRESSES FOR OFFICERS, DIRECTORS, ETC PHIL HEINEMANN - C/O DMCC 1330 SE 4TH AVENUE SUITE F, FORT LAUDERDALE, FL 33316. JOHN ALEMAN - 104 SAWBILL PALM DRIVE, PONTE VEDRA, FL 32082. CAROL O'BRIEN - 2830 SW 15TH STREET # 6C, DELRAY BEACH, FL 33445. SHANNON SCHAFFER - 2705 ZORNO WAY, DELRAY BEACH, FL 33445. WILLIAM KALAF - 7012 TOMLIN GREEN LANE, CHARLOTTE, NC 28277. FORM 990, PART IX, LINE 24E CREDIT REPORTING: PROGRAM SERVICE EXPENSES 19,536. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 19,536. UTILITIES: PROGRAM SERVICE EXPENSES 2,398. MANAGEMENT AND GENERAL EXPENSES 271. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 2,669. EDUCATIONAL SEMINARS AND MATERIALS: PROGRAM SERVICE EXPENSES 2,035. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 2,035.