2025-06-12T11:20:44-05:00 2024-12-31 251637458 LOUIS PLUNG & COMPANY LLP 20 STANWIX ST SUITE 901 PITTSBURGH PA 15222 990 2024-01-01 251201741 ADVANTAGE CREDIT COUNSELING SERVICE INC ADVA 4123901300 2403 SIDNEY STREET SUITE 250 PITTSBURGH PA 15203 GARY J VOLLMER PRESIDENT & CEO 4123901300 2025-06-04 1 0 LINDSAY ANDREWS P01332714 4122818771 2024 2025-03-06 01:10:19Z GARY J VOLLMER 2403 SIDNEY STREET SUITE 250 PITTSBURGH PA 15203 2208553 0 X WWW.ADVANTAGECCS.ORG X 1968 PA THE ORGANIZATION OFFERS EDUCATION AND PROFESSIONAL CREDIT COUNSELING SERVICES TO THE PUBLIC. 12 10 30 0 0 0 1620423 1514422 549287 618195 30966 75936 0 0 2200676 2208553 0 0 0 0 1575116 1659198 0 0 8506 568345 586419 2143461 2245617 57215 -37064 1959675 2067287 355225 499901 1604450 1567386 X AS A NONPROFIT ORGANIZATION, THE AGENCY PROVIDES MEANINGFUL, PROFESSIONAL AND CONFIDENTIAL CONSUMER EDUCATION AND BUDGET/CREDIT COUNSELING AND DEVELOPS EFFECTIVE DEBT REDUCTION PROGRAMS FOR ALL SEGMENTS OF THE COMMUNITY. THE AGENCY EDUCATES CONSUMERS ABOUT WISE MONEY MANAGEMENT AND THE RESPONSIBLE USE OF CREDIT. 0 0 900074 568423 ADVANTAGE CREDIT COUNSELING SERVICE, INC. PROVIDES CREDIT-COUNSELING AND EDUCATIONAL SERVICES TO THE PUBLIC. SINCE ITS INCEPTION, THE AGENCY HAS ASSISTED THOUSANDS OF CLIENTS IN DEVELOPING A BUDGET, DETERMINING OPTIONS FOR REPAYING DEBTS AND WHEN APPROPRIATE, ADMINISTERING A DEBT MANAGEMENT PROGRAM. THE AGENCY ALSO PROVIDES FINANCIAL LITERACY EDUCATION TO ITS CLIENTS AND THE PUBLIC. ADDITIONALLY, THE AGENCY IS APPROVED BY HUD AND THE PENNSYLVANIA HOUSING FINANCE AGENCY TO PROVIDE COMPREHENSIVE HOUSING COUNSELING SERVICES. THIS INCLUDES COUNSELING PENNSYLVANIA HOMEOWNERS IN THREAT OF FORCLOSURE ON VARIOUS LOSS MITIGATION OPTIONS, INTERVENING WITH THEIR MORTGAGE LENDERS, AND ASSISTING WITH APPLICATIONS FOR THE STATE'S HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM. THE AGENCY COUNSELS FIRST TIME HOMEBUYERS ON THE ENTIRE HOME BUYING PROCESS AND PROVIDES REVERSE MORTGAGE COUNSELING TO SENIOR HOMEOWNERS. 582171 0 THE AGENCY IS APPROVED BY THE PENNSYLVANIA HOUSING AND FINANCE AGENCY AND HUD TO CONDUCT COMPREHENSIVE HOUSING COUNSELING SERVICES. THE AGENCY PROVIDES COUNSELING AND EDUCATION FOR HOMEOWNERS IN THREAT OF FORECLOSURE, AS WELL AS INTERVENTION WITH LENDERS REGARDING LOSS MITIGATION OPTIONS SUCH AS LOAN MODIFICATIONS. THE AGENCY ALSO ASSISTS PENNSYLVANIA HOMEOWNERS WITH APPLYING FOR STATE EMERGENCY LOANS. THE AGENCY COUNSELS POTENTIAL HOMEBUYERS WHO HAVE BARRIERS THEY MUST OVERCOME TO QUALIFY FOR MORTGAGE LOANS. THE AGENCY ALSO COUNSELS INDIVIDUALS WHO HAVE QUALIFIED FOR A MORTGAGE BUT ARE REQUIRED TO PARTICIPATE IN COUNSELING AND EDUCATION. 135710 49772 THE AGENCY IS APPROVED BY THE EXECUTIVE OFFICE FOR THE UNITED STATES TRUSTEES TO PROVIDE PRE-FILING BANKRUPTCY COUNSELING AND PRE-DISCHARGE BANKRUPTCY EDUCATION. CONSUMERS CONTEMPLATING BANKRUPTCY MUST FIRST HAVE COUNSELING THROUGH AN APPROVED NON-PROFIT PROVIDER AS PRESCRIBED BY THE BANKRUPTCY ABUSE PREVENTION AND CONSUMER PROTECTION ACT OF 2005. 7314 THE AGENCY PROVIDES EDUCATIONAL AND ADMINISTRATIVE SUPPORT FOR UTILITY COMPANIES ENERGY ASSISTANCE PROGRAMS; THESE PROGRAMS ARE GEARED TO LOW AND MODERATE INCOME CONSUMERS. 7314 1625269 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 1 0 1 30 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 X 12 10 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 PA IL MA NM X GARY J VOLLMER 4123901300 2403 SIDNEY STREET SUITE 250 PITTSBURGH PA 15203 GARY J VOLLMER PRESIDENT & CEO 45.00 X X 158842 0 21950 ANNE FLYNN SCHLICHT CHAIR 4.00 X 0 0 0 PATRICK VAN GORDER DIRECTOR / VICE CHAIR 2.00 X 0 0 0 JEFFREY DAVIDEK DIRECTOR / TREASURER 2.00 X X 0 0 0 MELANIE L ANSELL DIRECTOR 2.00 X 0 0 0 MICHAEL J CLARK DIRECTOR 2.00 X 0 0 0 DAVID COLSON DIRECTOR 2.00 X 0 0 0 CHRISTOPHER L CULLEN DIRECTOR 2.00 X 0 0 0 WARREN T KING DIRECTOR 2.00 X 0 0 0 FREDERICK P O'BRIEN DIRECTOR 2.00 X 0 0 0 EVAN C OGRODNIK DIRECTOR 2.00 X 0 0 0 DONALD E PRINGLE DIRECTOR 2.00 X 0 0 0 BRYAN K WARD DIRECTOR 2.00 X 0 0 0 HEATHER MURRAY SECRETARY 40.00 X 85000 0 15995 243842 0 37945 1 0 1 0 0 956848 557574 1514422 CLIENT FEES 541990 568423 568423 BANKRUPTCY COUNSELING 541990 49772 49772 618195 75936 75936 2208553 618195 0 75936 281787 108725 173062 1124159 920833 196419 6907 30383 25135 5058 190 122068 101206 20091 771 100801 74766 25526 509 18036 857 17179 22078 22078 119057 74533 44524 23909 17581 6328 42722 34783 7810 129 5099 3415 1684 31616 21675 9941 29965 15294 14671 CONTRACT SERVICES 166653 143738 22915 LICENSE, REG. & BOND FE 44411 20049 24362 MEMBERSHIP & SUBSCRIPTI 35463 19354 16109 DATA & VOICE COMMUNICAT 26482 23216 3266 20928 20109 819 2245617 1625269 611842 8506 433081 301790 1133857 1351697 159129 112071 74999 70943 1168143 1119524 68683 48619 24707 89926 157460 1959675 2067287 41385 44190 219569 259909 94271 195802 355225 499901 X 1400590 1421177 203860 146209 1604450 1567386 1959675 2067287 -37064 0 X 0 1 X 1 0 X 1666462 1339085 1476040 1726453 1662616 7870656 1666462 1339085 1476040 1726453 1662616 7870656 403264 7467392 33081 2356 1982 30966 50595 118980 7989636 3084603 0.93460 0.88750 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 1168143 1119524 48619 48619 RIGHT OF USE ASSET 153921 SECURITY DEPOSIT 3539 157460 ADVANCED PROGRAM FUNDS 41881 LEASE LIABILITY 153921 195802 X 2356747 148194 148194 2208553 0 2208553 2393811 148194 148194 2245617 0 2245617 PART IV, LINE 2B: THE ORGANIZATION ARRANGES FOR MONTHLY PAYMENTS TO THE ORGANIZATION FROM ITS CLIENTS. THE ORGANIZATION ACTS AS A TRUSTEE FOR THESE FUNDS AND IS RESPONSIBLE FOR THE DISBURSEMENT OF THESE FUNDS TO THE CREDITORS OF THESE CLIENTS. PART X, LINE 2: INCOME TAX BENEFITS ARE RECOGNIZED FOR INCOME TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN, ONLY WHEN IT IS DETERMINED THAT THE INCOME TAX POSITION WILL MORE-LIKELY-THAN-NOT BE SUSTAINED UPON EXAMINATION BY TAXING AUTHORITIES. THE ORGANIZATION HAS ANALYZED TAX POSITIONS TAKEN FOR FILING WITH THE INTERNAL REVENUE SERVICE AND ALL STATE JURISDICTIONS WHERE IT OPERATES. THE ORGANIZATION BELIEVES THAT INCOME TAX FILING POSITIONS WILL BE SUSTAINED UPON EXAMINATION AND DOES NOT ANTICIPATE ANY ADJUSTMENTS THAT WOULD RESULT IN A MATERIAL ADVERSE EFFECT ON THE ORGANIZATION'S FINANCIAL CONDITION, RESULTS OF OPERATIONS OR CASH FLOWS. ACCORDINGLY, THE ORGANIZATION HAS NOT RECORDED ANY RESERVES, OR RELATED ACCRUALS FOR INTEREST AND PENALTIES FOR UNCERTAIN INCOME TAX POSITIONS AT DECEMBER 31, 2024 AND 2023. THE ORGANIZATION'S POLICY IS TO CLASSIFY ANY INCOME TAX RELATED INTEREST AND PENALTIES TO INTEREST EXPENSE AND OTHER EXPENSES, RESPECTIVELY. X X 0 0 0 0 0 0 0 0 0 GARY J VOLLMER PRESIDENT & CEO 158842 0 0 0 0 0 4736 0 17214 0 180792 0 0 0 FORM 990, PART VI, SECTION A, LINE 1A IN ADDITION TO VOTING MEMBERS OF THE BOARD, THE BOARD MAY, FROM TIME TO TIME, ELECT BOARD EMERITI, WHO WILL SERVE AS NON-VOTING MEMBERS OF THE BOARD. THE BOARD CURRENTLY HAS 6 MEMBER EMERITI. FORM 990, PART VI, SECTION B, LINE 11B A COPY OF FORM 990 IS SENT TO EACH VOTING MEMBER OF THE FULL BOARD FOR REVIEW AND APPROVAL PRIOR TO FILING. IF ANY CHANGES THERETO ARE APPROVED BY THE FULL BOARD, A COPY OF THE FINAL FORM 990 AS ULTIMATELY FILED IS PROVIDED TO EACH VOTING MEMBER OF THE BOARD PRIOR TO ITS FILING. FORM 990, PART VI, SECTION B, LINE 12C ANNUALLY, AND MORE FREQUENTLY IN THE EVENT OF CHANGES IN SAID STATEMENT ALL BOARD MEMBERS, OFFICERS AND KEY EMPLOYEES ARE REQUIRED TO COMPLETE A WRITTEN CONFLICT OF INTEREST DISCLOSURE STATEMENT. DETERMINATIONS OF WHETHER A CONFLICT EXISTS ARE MADE BY THE PRESIDENT. ACTUAL CONFLICTS ARE REVIEWED BY THE FULL BOARD, WHICH MAY AT ITS DISCRETION IMPOSE APPROPRIATE RESTRICTIONS ON PERSONS WITH A CONFLICT, INCLUDING BUT NOT LIMITED TO PROHIBITIONS ON PARTICIPATING IN COMMITTEE OR FULL BOARD DELIBERATIONS AND DECISIONS IN THE TRANSACTION. FORM 990, PART VI, SECTION B, LINE 15 ANNUALLY AND FROM TIME TO TIME AS THE BOARD DEEMS NECESSARY, FOR SUCH OFFICERS AND KEY EMPLOYEES AS THE BOARD, OR AS RELATED TO KEY EMPLOYEES, AS THE PRESIDENT, DEEMS APPROPRIATE, THE BOARD OR THE PRESIDENT INVESTIGATES COMPENSATION PACKAGES OF PEER AGENCIES, REVIEWS THE INTERPLAY AND DOLLAR VALUE OF ALL COMPENSATION ARRANGEMENTS, REVIEWS THE ORGANIZATIONS CAPACITY TO SUPPORT PARTICULAR COMPENSATION LEVELS, OBTAINS LEGAL ADVICE AS TO LEGAL RESTRICTIONS ON COMPENSATION AND, IF NECESSARY HIRE SPECIALISTS, REVIEW COST OF LIVING CONSIDERATIONS AND FINANCIAL CONDITIONS OF THE ORGANIZATION. THIS PROCESS WAS LAST UNDERTAKEN FOR THE PRESIDENT IN THE FOURTH QUARTER OF 2024. THE COMPENSATION PROCESS FOR OFFICERS IS IDENTICAL TO THAT FOR THE TOP OFFICIAL. THIS PROCESS WAS LAST UNDERTAKEN FOR OFFICERS IN THE FOURTH QUARTER OF 2024. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANICAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.