2025-09-11T16:34:50-07:00 2024-12-31 134227421 RWB AND CO 670 SUPERIOR CT STE 106 MEDFORD OR 97504 990 2024-01-01 930585893 CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC CONS 5417792273 820 CRATER LAKE AVE 202 MEDFORD OR 97504 BILL IHLE CEO 2025-06-13 true true RICHARD W BREWSTER CPA P00149843 5417731885 2024 2025-03-06 01:10:19Z 820 CRATER LAKE AVE 202 MEDFORD OR 97504 792659 false X www.improvedcredit.org X 1971 OR TO RECOGNIZE AND ADDRESS THE FINANCIAL CHALLENGES OF OUR CLIENTS AND OUR COMMUNITY. THROUGH PROFESSIONAL COUNSELING AND EDUCATION, WE ENDEAVOR TO PROMOTE FINANCIAL STABILITY. 9 9 7 5 0 284082 296554 442470 489901 6524 3298 2906 733076 792659 0 0 369412 422460 0 59029 332978 397895 702390 820355 30686 -27696 1480711 1543174 881212 971371 599499 571803 TO RECOGNIZE AND ADDRESS THE FINANCIAL CHALLENGES OF OUR CLIENTS AND OUR COMMUNITY. THROUGH PROFESSIONAL COUNSELING AND EDUCATION, WE ENDEAVOR TO PROMOTE FINANCIAL STABILITY. false false 708621 THE AGENCY PROVIDES FREE FINANCIAL COUNSELING, IN PERSON OR BY PHONE. COUNSELING IS CONFIDENTIAL AND IS PROVIDED BY A CREDIT COUNSELOR CERTIFIED BY THE NATIONAL FOUNDATION FOR CREDIT COUNSELING. IN 2023, WE CONDUCTED 1,2023 COUNSELING APPOINTMENTS. DURING THE APPOINTMENT, A PERSONALIZED BUDGET IS DEVELOPED AND A COMPREHENSIVE LIST OF CREDITORS IS CREATED. BASED ON THE PERSONS SPECIFIC FINANCIAL SITUATION, POSSIBLE OPTIONS ARE DISCUSSED. CLIENTS COMPLETE A FINANCIAL EXIT EVALUATION AND IN 2023 95% OF THE CLIENTS COUNSELED SAID THEY WOULD RATE OUR SERVICES AS EXCELLENT. THE AGENCY PROVIDES DEBT MANAGEMENT PLANS FOR THOSE CLIENTS THAT QUALIFY FOR, AND ARE INTERESTED IN, REPAYING THEIR CREDITORS THROUGH OUR AGENCY. IN 2023 ABOUT 8% OF THE CLIENTS COUNSELED CHOSE THIS OPTION AS THE BEST OPTION FOR THEIR SITUATION. PAYMENTS TO CREDITORS ARE CALCULATED BY THE COUNSELOR ACCORDING TO CRITERIA ESTABLISHED BY THE CREDITORS. CLIENTS MAKE PAYMENTS TO THE AGENCY EVERY MONTH AND THOSE PAYMENTS ARE FORWARDED TO THEIR CREDITORS SETUP AND MONTHLY FEES ARE CHARGED, BUT CAN BE WAIVED IF THEY WOULD BE A BARRIER TO RECEIVING THE SERVICE. THE AGENCY PROVIDES COMMUNITY EDUCATION AND PRESENTATIONS ON BUDGETING, CREDIT, GOAL SETTING, HOUSING, AND MONEY MANAGEMENT. IN 2023, A TOTAL OF 27 COMMUNITY PRESENTATIONS TO 4,323 PERSONS WERE MADE AT THE INVITATION OF THE AGENCYS COMMUNITY PARTNERS (FOR EXAMPLE; HEAD START, ADDICTIONS RECOVERY CENTER) FOR THEIR CLIENTS. PRESENTATIONS ARE GENERALLY MADE AT THE PARTNERS LOCATION SO THAT CLIENTS CAN FEEL COMFORTABLE ATTENDING AND THE EDUCATION CAN FIT THE CLIENTS OVERALL GOALS. MOST OF THE FUNDING COMES FROM GRANTS FROM LOCAL AND REGIONAL FOUNDATIONS AND CORPORATIONS. 708621 true false false false false false false false true false true false false true 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 false false false false false false true 0 0 false 7 true false false false false false false false 0 false false false false false false false X 9 9 false false false false false false false true true false false true true true true true true true true false OR X BILL IHLE 5417792273 820 CRATER LAKE AVE MEDFORD OR 97504 BILL IHLE CEO 40.00 0.00 X 116500 0 0 JOHN BLACKHURST President 1.00 0.00 X X 0 0 0 JIM HAYEK Director 1.00 0.00 X 0 0 0 ROCIO SOLIS Director 1.00 0.00 X 0 0 0 JEFF DUNN Director 1.00 0.00 X 0 0 0 JOSE BUGARIN Vice President 1.00 0.00 X X 0 0 0 RENE L ORDONEZ Director 1.00 0.00 X 0 0 0 ERIC MITTON Director 1.00 0.00 X 0 0 0 KRISTI SCHOENBACHLER CPA Director 1.00 0.00 X 0 0 0 WENDI HOUGHTON Director 1.00 0.00 X 0 0 0 TERRILL ROPER Director 1.00 0.00 X 0 0 0 116500 1 false false false 0 296554 296554 BANKRUPTCY COUNSELING 3009 3009 CLIENT FEES 29410 29410 CONTRACTED SERVICES 390 390 HOUSING 9700 9700 MONEY MANAGEMENT PROGRAM 447392 447392 489901 3298 3298 0 0 0 0 0 0 0 MISCELLANEOUS 541990 2906 2906 2906 792659 489901 6204 X 0 0 0 0 116500 100190 7573 8737 0 229787 180302 23593 25892 0 47246 38269 4252 4725 28927 23431 2603 2893 0 0 27290 23197 1910 2183 0 0 0 137736 137736 33894 33894 9495 8070 665 760 0 0 32377 27521 2266 2590 14706 14706 0 0 0 0 1552 1319 109 124 5543 4712 388 443 TECHNOLOGY 80183 68155 5613 6415 DUES & LICENSES 21461 18242 1502 1717 PROGRAM SERVICE EXPENSES 14333 12183 1003 1147 BANK & INVESTING FEES 8999 7649 630 720 10326 9045 598 683 820355 708621 52705 59029 397959 245397 210447 0 217712 136568 0 0 0 0 4000 6121 37627 33659 5520 3968 0 0 0 0 855520 940673 1480711 1543174 25692 30698 27912 16626 827608 924047 881212 971371 X 599499 571803 599499 571803 1480711 1543174 -27696 X false true X true false X 606435 303756 304695 284082 296554 1795522 142821 421542 419752 442470 489901 1916486 0 0 0 749256 725298 724447 726552 786455 3712008 0 0 3712008 3542 249 486 6524 3298 14099 0 3542 249 486 6524 3298 14099 0 2908 2908 752798 725547 724933 733076 792661 3729015 0.99540 0.99560 0.00380 0.00440 X false true X 37627 33659 3968 3968 CLIENT ACCOUNTS 899327 RIGHT OF USE ASSET 24720 TRUST ACCOUNT 16626 940673 CLIENT ACCOUNTS 899327 LEASE PAYABLE 24720 924047 X 792659 792659 792659 820355 820355 820355 Part IV, Line 2b: Explanation of escrow account liability THE ORGANIZATION TEMPORARILY HOLDS CLIENTS FUNDS TO BE DISBURSED TO CREDITORS. Part X : FIN48 Footnote THE ORGANIZATION DOES NOT BELIEVE THERE ARE ANY MATERIAL UNCERTAIN TAX POSITIONS, AND ACCORDINGLY, IT WILL NOT RECOGNIZE ANY LIABILITY FOR UNRECOGNIZED TAX BENEFITS FOR THE YEAR. Form 990, Part VI, Section B, Line 11b COPIES OF THE 990 AND SCHEDULES ARE EMAILED TO ALL BOARD MEMBERS FOR COMMENT BEFORE THE FORM 990 IS SENT TO THE IRS. Form 990, Part VI, Section B, Line 12c BOARD MEMBERS ARE ASKED TO SIGN A CONFLICT OF INTEREST POLICY ON AN ANNUAL BASIS AND THE POLICY IS DISCUSSED DURING A MONTHLY BOARD MEETING. Form 990, Part VI, Section B, Line 15a THE BOARD OF DIRECTORS APPROVE THE BUDGET WHICH INCLUDES THE SALARY FOR THE EXECUTIVE DIRECTOR. Form 990, Part VI, Section C, Line 19 ALL OTHER PUBLIC DOCUMENTS ARE MADE AVAILABLE UPON REQUEST.