2025-07-10T13:41:33-04:00 2024-12-31 460257538 KETEL THORSTENSON LLP PO BOX 3140 RAPID CITY SD 577093140 990 2024-01-01 237364664 RUSHMORE CONSUMER CREDIT RESOURCE CENTER RUSH 6053484550 2310 NORTH MAPLE AVENUE RAPID CITY SD 577017849 BONNIE SPAIN EXECUTIVE DIRECTOR 6057211748 2025-07-10 true true JEANETTE SCHROEDER CPA P00479382 6053425630 2025-07-10 2024 2025-03-06 01:10:19Z CCCS OF THE BH AND ACCE BONNIE SPAIN 2310 N MAPLE AVE RAPID CITY SD 57701 1693862 false X WWW.CCCSBH.COM X 1974 SD IMPROVING FINANCIAL STABILITY THROUGH EDUCATION FOR A LIFETIME OF FINANCIAL WELL-BEING. X 11 11 5 11 0 203717 226358 38081 40414 5018 509890 101309 85016 348125 861678 540 0 209728 216905 0 0 143796 134495 353524 351940 -5399 509738 1126274 1518381 218742 101116 907532 1417265 X IMPROVING FINANCIAL STABILITY THROUGH COUNSELING AND EDUCATION. WE SUPPORT THE FINANCIAL WELLNESS OF ALL. false false 237703 540 40414 CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS PROVIDES COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: HOMELESS ASSISTANCE, RENTAL TOPICS, PREPURCHASE/HOMEBUYING, HOME MAINTENANCE AND FINANCIAL MANAGEMENT NON-DELINQUENT POST PURCHASE, AND RESOLVING OR PREVENTING MORTGAGE DELINQUENCY OF DEFAULT. A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 2 HOURS. THE CONTENT OF THE COUNSELING IS TAILORED TO FIT EACH INDIVIDUAL CLIENT, AS EACH SITUATION AND NEEDS ARE DIFFERENT. THE ACTION PLAN INCLUDES ISSUES AND CAUSES, INFORMATION ON THE CLIENT'S INDIVIDUAL CIRCUMSTANCES, THE CLIENT'S SHORT AND LONG-TERM GOALS, AND ACTION STEPS TO INCLUDE OPTIONS, SUGGESTIONS, AND REFERRALS TO OTHER SERVICES OR ORGANIZATIONS IF WE CANNOT PROVIDE THESE NEEDED SERVICES. WE PROVIDED HOUSING AND FINANCIAL COUNSELING FOR 405 HOUSEHOLDS AND DMP CLIENTS. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES, THE FINANCIAL ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAM IS A VIABLE OPTION THAT MAY HELP THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS. OUR DEBT MANAGEMENT CLIENTS REPAID OVER 552,933. 29236 82068 THE AMERICAN CENTER FOR CREDIT EDUCATION DEVELOPS AND PUBLISHES FINANCIAL EDUCATION PROGRAMS INCLUDING CREDIT WHEN CREDIT IS DUE, MAKE YOUR MOVE - A GUIDE TO HOMEOWNERSHIP, MONEY IN MOTION, START RIGHT: BUILD YOUR OWN BUSINESS, REBUILDING YOUR CREDIT, CUT THROUGH THE CONFUSION ON HEALTH INSURANCE AND MEDICAL BILLS, AND TEN STEPS TO BUYING A CAR. WE ALSO DISTRIBUTE THESE PROGRAMS NATIONWIDE TO NON-PROFIT CREDIT AND HOUSING COUNSELING AGENCIES AND COMMUNITY ACTION AGENCIES. WE HAVE DISTRIBUTED 1,853,564 FINANCIAL LITERACY PROGRAMS. LOCALLY, WE ARE DEEPLY COMMITTED TO PROMOTING FINANCIAL LITERACY TO THE UNDERSERVED POPULATIONS WITHIN OUR COMMUNITIES. OUR APPROACH PRIORITIZES BREAKING BARRIERS TO ACCESS AND MEETING INDIVIDUALS WHERE THEY ARE WITH TARGETED PARTNERSHIPS AND PROGRAMS: WE REACH INDIVIDUALS AND FAMILIES OFTEN OVERLOOKED BY MAINSTREAM SERVICES. WE COLLABORATE WITH ONEHEART, CORNERSTONE WOMEN'S APARTMENTS, THE VA, AND VOLUNTEERS OF AMERICA, TO ENSURE PEOPLE EXPERIENCING HOMELESSNESS RECEIVE THE COUNSELING AND EDUCATION THEY NEED. RECOGNIZING THE DIVERSITY OF CHALLENGES FACED BY INDIVIDUALS, WE ADDRESS THE NEEDS OF THOSE STRUGGLING WITH ADDICTION BY PARTNERING WITH CRISIS CARE CENTER, LSS, AND NORTHERN HILLS DRUG COURT. SIMILARLY, WE SUPPORT AT-RISK YOUTH THROUGH JOB CORPS AND FAMILY CONNECTIONS, AND SINGLE PARENTS THROUGH CATHOLIC SOCIAL SERVICES' UPLIFTING PARENTS PROGRAM. INCLUSION FOR MARGINALIZED GROUPS: OUR WORK EXTENDS TO INCARCERATED INDIVIDUALS THROUGH PARTNERSHIPS WITH PENNINGTON COUNTY JAIL, THE RAPID CITY WORK CENTER, THE PENNINGTON COUNTY JUVENILE SERVICE CENTER, AND THE WOMEN'S PRISON, HELPING THEM REINTEGRATE INTO SOCIETY WITH BETTER TOOLS AND RESOURCES. WE WORK WITH ELLSWORTH AIR FORCE BASE AND THE DEPARTMENT OF LABOR'S TANF PROGRAM TO SERVE WORKING FAMILIES, MILITARY PERSONNEL, AND THOSE FACING ECONOMIC HARDSHIP. BUILDING INTENTIONAL PARTNERSHIPS AND TAILORING OUR SERVICES TO MEET THE UNIQUE NEEDS OF THESE POPULATIONS, WE STRIVE TO FOSTER A SENSE OF BELONGING, EMPOWERMENT, AND OPPORTUNITY FOR ALL. IN 2024, LOCALLY WE REACHED 978 INDIVIDUALS WITH CLASSES AND 544 WITH ONLINE PROGRAMS. 266939 true true false false false false false false true false true false false false true true true false false false false false false false false false false false false false false false false false false false false false false false false true false false false false false true 3 0 5 true false false false false false false false false false false false false X 11 11 false false false false false false false true true false false true true true true true true true true false X X BONNIE SPAIN 6053484550 2310 N MAPLE AVE RAPID CITY SD 57701 BONNIE SPAIN EXECUTIVE DI 40.00 X 84411 0 317 DEEANN M DIETRICH CHAIRWOMAN 2.00 X X 0 0 0 CAROLYN A TEIGEN VICE CHAIRWO 2.00 X X 0 0 0 MELISSA K MONTGOMERY TREASURER 2.00 X X 0 0 0 KATHERINE DENISON SECRETARY 2.00 X X 0 0 0 ELTON J FINCK BOARD MEMBER 1.00 X 0 0 0 CURTIS S JENSEN BOARD MEMBER 1.00 X 0 0 0 RICK S KAHLER BOARD MEMBER 1.00 X 0 0 0 DAPHNE G PEREZ BOARD MEMBER 1.00 X 0 0 0 TINA M RAWSTERN BOARD MEMBER 1.00 X 0 0 0 AMY R THOMPSON BOARD MEMBER 1.00 X 0 0 0 COREY R WEBER BOARD MEMBER 1.00 X 0 0 0 RICK L BRADY BOARD MEMBER 1.00 X 0 0 0 84411 317 false false false 20000 165965 40393 226358 DEBT MANAGEMENT PROGRAM 541990 40414 40414 40414 47936 47936 1518 1518 1518 1518 1285000 823046 461954 461954 461954 91206 9138 82068 82068 MISCELLANEOUS REVENUE 541990 1430 1430 1430 861678 122482 512838 540 540 84728 63546 21182 109400 91741 17659 8213 6587 1626 14564 11566 2998 19713 19713 14275 10332 3943 866 866 12552 9989 2563 50092 38926 11166 2497 2497 1566 1280 286 341 275 66 3967 3174 793 12904 10323 2581 DUES 14283 14283 MISCELLANEOUS 1439 1014 425 351940 266939 85001 0 70504 62472 253046 1314066 36728 57423 1416 3679 19463 14109 795 267 45326 42992 744322 2334 64031 1126274 1518381 34499 37778 184243 63338 218742 101116 X 898765 1404871 8767 12394 907532 1417265 1126274 1518381 X 509738 -5 X false true X true false X 269154 231607 177242 203717 226358 1108078 269154 231607 177242 203717 226358 1108078 53138 1054940 20897 20457 21068 21031 49454 132907 20 237 422 1430 2109 1243094 779109 0.84860 0.83220 X PART II, LINE 10 MISCELLANEOUS INCOME 2,109 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false false 45326 42992 2334 2334 LEASE LIABILITY 63338 63338 X 861675 861675 3 3 861678 351942 351942 -2 -2 351940 SCHEDULE D, PAGE 3, PART X AT DECEMBER 31, 2024 AND 2023, THE ORGANIZATION BELIEVES THERE ARE NO SIGNIFICANT UNCERTAIN TAX POSITIONS OR LIABILITIES, OR INTEREST AND PENALTIES ASSOCIATED WITH UNCERTAIN TAX POSITIONS. SCHEDULE D, PAGE 4, PART XI, LINE 4B ROUNDING 3 SCHEDULE D, PAGE 4, PART XII, LINE 4B ROUNDING -2 2310 N MAPLE AVE 2024-02-13 1285000 SALE PRICE 882934428 BUILT RIGHT PROPERTIES LLC 2310 N MAPLE AVE RAPID CITY SD 57701 S CORP false false false false SCHEDULE N RUSHMORE CONSUMER CREDIT RESOURCES SOLD THE BUILDING THEY OPERATE IN TO REDUCE DAILY EXPENSES AND PROVIDE FUNDS FOR A FUTURE BOARD DESIGNATED ENDOWMENT THAT WILL SUPPORT GENERAL OPERATIONS. RUSHMORE CONSUMER CREDIT RESOURCES NOW RENTS THE SPACE FROM THE BUYER. FORM 990, PAGE 2, PART III, LINE 4A CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS PROVIDES COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: HOMELESS ASSISTANCE, RENTAL TOPICS, PREPURCHASE/HOMEBUYING, HOME MAINTENANCE AND FINANCIAL MANAGEMENT NON-DELINQUENT POST PURCHASE, AND RESOLVING OR PREVENTING MORTGAGE DELINQUENCY OF DEFAULT. A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 2 HOURS. THE CONTENT OF THE COUNSELING IS TAILORED TO FIT EACH INDIVIDUAL CLIENT, AS EACH SITUATION AND NEEDS ARE DIFFERENT. THE ACTION PLAN INCLUDES ISSUES AND CAUSES, INFORMATION ON THE CLIENT'S INDIVIDUAL CIRCUMSTANCES, THE CLIENT'S SHORT AND LONG-TERM GOALS, AND ACTION STEPS TO INCLUDE OPTIONS, SUGGESTIONS, AND REFERRALS TO OTHER SERVICES OR ORGANIZATIONS IF WE CANNOT PROVIDE THESE NEEDED SERVICES. WE PROVIDED HOUSING AND FINANCIAL COUNSELING FOR 405 HOUSEHOLDS AND DMP CLIENTS. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES, THE FINANCIAL ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAM IS A VIABLE OPTION THAT MAY HELP THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS. OUR DEBT MANAGEMENT CLIENTS REPAID OVER 552,933. FORM 990, PAGE 2, PART III, LINE 4B THE AMERICAN CENTER FOR CREDIT EDUCATION DEVELOPS AND PUBLISHES FINANCIAL EDUCATION PROGRAMS INCLUDING CREDIT WHEN CREDIT IS DUE, MAKE YOUR MOVE - A GUIDE TO HOMEOWNERSHIP, MONEY IN MOTION, START RIGHT: BUILD YOUR OWN BUSINESS, REBUILDING YOUR CREDIT, CUT THROUGH THE CONFUSION ON HEALTH INSURANCE AND MEDICAL BILLS, AND TEN STEPS TO BUYING A CAR. WE ALSO DISTRIBUTE THESE PROGRAMS NATIONWIDE TO NON-PROFIT CREDIT AND HOUSING COUNSELING AGENCIES AND COMMUNITY ACTION AGENCIES. WE HAVE DISTRIBUTED 1,853,564 FINANCIAL LITERACY PROGRAMS. LOCALLY, WE ARE DEEPLY COMMITTED TO PROMOTING FINANCIAL LITERACY TO THE UNDERSERVED POPULATIONS WITHIN OUR COMMUNITIES. OUR APPROACH PRIORITIZES BREAKING BARRIERS TO ACCESS AND MEETING INDIVIDUALS WHERE THEY ARE WITH TARGETED PARTNERSHIPS AND PROGRAMS: WE REACH INDIVIDUALS AND FAMILIES OFTEN OVERLOOKED BY MAINSTREAM SERVICES. WE COLLABORATE WITH ONEHEART, CORNERSTONE WOMEN'S APARTMENTS, THE VA, AND VOLUNTEERS OF AMERICA, TO ENSURE PEOPLE EXPERIENCING HOMELESSNESS RECEIVE THE COUNSELING AND EDUCATION THEY NEED. RECOGNIZING THE DIVERSITY OF CHALLENGES FACED BY INDIVIDUALS, WE ADDRESS THE NEEDS OF THOSE STRUGGLING WITH ADDICTION BY PARTNERING WITH CRISIS CARE CENTER, LSS, AND NORTHERN HILLS DRUG COURT. SIMILARLY, WE SUPPORT AT-RISK YOUTH THROUGH JOB CORPS AND FAMILY CONNECTIONS, AND SINGLE PARENTS THROUGH CATHOLIC SOCIAL SERVICES' UPLIFTING PARENTS PROGRAM. INCLUSION FOR MARGINALIZED GROUPS: OUR WORK EXTENDS TO INCARCERATED INDIVIDUALS THROUGH PARTNERSHIPS WITH PENNINGTON COUNTY JAIL, THE RAPID CITY WORK CENTER, THE PENNINGTON COUNTY JUVENILE SERVICE CENTER, AND THE WOMEN'S PRISON, HELPING THEM REINTEGRATE INTO SOCIETY WITH BETTER TOOLS AND RESOURCES. WE WORK WITH ELLSWORTH AIR FORCE BASE AND THE DEPARTMENT OF LABOR'S TANF PROGRAM TO SERVE WORKING FAMILIES, MILITARY PERSONNEL, AND THOSE FACING ECONOMIC HARDSHIP. BUILDING INTENTIONAL PARTNERSHIPS AND TAILORING OUR SERVICES TO MEET THE UNIQUE NEEDS OF THESE POPULATIONS, WE STRIVE TO FOSTER A SENSE OF BELONGING, EMPOWERMENT, AND OPPORTUNITY FOR ALL. IN 2024, LOCALLY WE REACHED 978 INDIVIDUALS WITH CLASSES AND 544 WITH ONLINE PROGRAMS. FORM 990, PAGE 6, PART VI, LINE 11B IT IS OUR POLICY TO PROVIDE THE 990 TO THE FULL BOARD PRIOR TO FILING. COPIES ARE DISTRIBUTED AT A REGULAR BOARD MEETING AND APPROVED BY THE FULL BOARD PRIOR TO FILING. THE BOARD CHAIRMAN OR THE CEO SIGNS THE 990. FORM 990, PAGE 6, PART VI, LINE 12C BOARD MEMBERS SIGN A BOARD PLEDGE ANNUALLY. BOARD MEMBERS AND KEY STAFF ARE REQUIRED TO DISCLOSE ANY POTENTIAL CONFLICTS OF INTEREST AND SIGN A CONFLICT OF INTEREST FORM ANNUALLY. IF A BOARD MEMBER HAS A POTENTIAL CONFLICT OF INTEREST, THEY MUST RECUSE THEMSELVES FROM PARTICIPATING IN ANY VOTE TAKEN IN RESPECT TO SUCH TRANSACTION OR SERVICE OF INTEREST. AFTER DISCLOSING THE POSSIBLE CONFLICT, THE BOARD INVESTIGATES ALTERNATIVES TO THE PROPOSED TRANSACTION. FORM 990, PAGE 6, PART VI, LINE 15A THE CEO PREPARES A COMPENSATION ANALYSIS EACH YEAR BASED ON REGIONAL DATA. THIS ANALYSIS IS REVIEWED BY THE PERSONNEL COMMITTEE AND ADJUSTMENTS ARE MADE AS NECESSARY. THE PERSONNEL COMMITTEE THEN RECOMMENDS A RANGE OF SALARY INCREASES BASED ON THE BUDGET FOR APPROVAL BY THE FULL BOARD OF DIRECTORS. FORM 990, PAGE 6, PART VI, LINE 15B THE CEO PREPARES A COMPENSATION ANALYSIS EACH YEAR BASED ON REGIONAL DATA. THIS ANALYSIS IS REVIEWED BY THE PERSONNEL COMMITTEE AND ADJUSTMENTS ARE MADE AS NECESSARY. THE PERSONNEL COMMITTEE THEN RECOMMENDS A RANGE OF SALARY INCREASES BASED ON THE BUDGET FOR APPROVAL BY THE FULL BOARD OF DIRECTORS. FORM 990, PAGE 6, PART VI, LINE 19 THESE DOCUMENTS ARE PROVIDED TO THE UNITED WAY AS WELL AS THE COUNCIL ON ACCREDIDATION FOR CHILDREN AND FAMILIES, HUD, SD HOUSING DEVELOPMENT AUTHORITY, AND THE NATIONAL FOUNDATION FOR CREDIT COUNSELING. THEY ARE ALSO AVAILABLE UPON REQUEST. THE AUDITED FINANCIAL STATEMENTS AND FORM 990 ARE ALSO AVAILABLE ON THE ORGANIZATION'S WEBSITE. FORM 990, PART XI, LINE 9 ROUNDING -3 ROUNDING -2 TOTAL -5