2025-03-25T12:10:32-07:00 2024-12-31 591498723 DIVINE BLALOCK MARTIN & SELLARI LLC 580 VILLAGE BLVD SUITE 110 WEST PALM BEACH FL 33409 990 2024-01-01 311483386 Credit Card Management Services Inc CRED 5614728000 1325 N Congress Ave 201 West Palm Beach FL 33401 Mr Paul Donohue Jr President 2025-03-25 true true Dustan Brown CPA P01520825 5616861110 2024 2025-03-06 01:10:19Z Mr Paul Donohue Jr 1325 N Congress Ave 201 West Palm Beach FL 33401 3691065 false X www.debthelper.com X 1996 FL LMI; credit counseling, budget and debt management; Comprehensive HUD approved housing counseling and EOUST credit counseling and debtor education prior to consumer bankruptcy. To partner in affordable housing opportunities. 5 4 45 6 0 518840 391159 2866917 3225385 28716 74521 0 3414473 3691065 0 0 1958093 2041175 0 0 1347243 1500488 3305336 3541663 109137 149402 6356815 6508668 976413 978864 5380402 5529804 X To educate, advise and empower youth to seniors to handle debt, credit & housing and to provide affordable housing opportunities through the acquisition and rehabilitation of residential properties. Debthelper.com partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their community. false false 1320047 127100 1324591 Financial literacy 16,530 served. Approved to issue debt management plans in nearly all 50 states. Licensed bonded and insured. Consumers looking for relief paying back their credit cards are provided assistance with interest rates and repayment terms while on a debt management plan. Plans usually take about four years to repay and generally pay less interest and more toward the principal of the amount owed. Consumers look to improve their personal financial condition, improve credit knowledge, increase asset building and avoid personal bankruptcy. 1271212 264059 1074638 Comprehensive Housing Counseling and Education; 7,676 served. CCMS provides HUD approved housing counseling. Home buyers education, reverse mortgage counseling for seniors looking to convert their home equity to cash; and financial literacy group education. Estimated 250 volunteer hours. Debthelper partners with 850 agencies to deliver quality counseling. 569081 523131 Credit Counseling and Debtor Education EOUST bankruptcy program; 30,181 served. Approved to issue certificates of completion of credit counseling or debtor education in compliance with the bankruptcy code. Approval does not endorse or guarantee or assure the quality of the provider's services. 283913 303025 Debthelper provides safe decent affordable housing as a partner with theNCST program. Debthelper rents 12 affordable home primarily to low to moderate income familes via Property Holdings of CCMS, LLC. 283913 303025 3444253 true true false false false false false false true false true false false true true false true true false false false false false false false false false false false true false false false false false false false false false false false false true false false false false true 1 0 true 45 false false false false false false false false 0 false false false false false false false X 5 4 false false false false false false false true true false true true true true true true true true true true false AK AL AR CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY X X X Paul L Donohue Jr 5614728001 2043 North Palm Circle North Palm Beach FL 33408 Mr Paul Donohue Jr President 50.00 0.00 X X 237700 0 0 Rajesh Bhavsar IT Director 50.00 0.00 155726 0 0 Mohan Lalwani Program Manager 50.00 0.00 140522 0 0 Ann-Marie Drapeau Operations Manager 50.00 0.00 121961 0 0 Dr Kurt Stahura Director 1.00 0.00 X 0 0 0 Mr James H Sutch Director 1.00 0.00 X 0 0 0 Mr George Lubeck III Director 5.00 0.00 X 0 0 0 Mr Mattew Curran Director 1.00 0.00 X 0 0 0 655909 4 false true false 0 264059 127100 391159 DMP Enrollment 541990 80939 80939 Fair Share 541990 354895 354895 Financial Education 541990 523131 523131 Housing 541990 1377663 1377663 Money Management 541990 888757 888757 3225385 74521 74521 0 0 0 0 0 0 0 0 3691065 3299906 0 0 0 0 237700 150337 87363 0 1491179 1491179 39208 39208 152353 148858 3495 120735 114183 6552 0 14889 14889 10500 10500 0 0 0 188902 188902 357904 357904 0 0 0 197323 197323 29751 29751 0 0 0 0 4274 4274 50636 50636 Repairs & Maintenance 283912 283912 Refunds 147749 147749 Training & Education 59353 59353 Telephone & Internet 52815 52815 102480 102480 3541663 3444253 97410 0 256425 449695 2304009 2294441 0 291984 222037 0 0 0 0 12924 14071 2458093 459767 1952813 1998326 731025 848529 0 0 0 807635 681569 6356815 6508668 288807 405138 687606 573726 976413 978864 X 5380402 5529804 5380402 5529804 6356815 6508668 149402 X false true X true false X 889183 325113 363486 518840 391159 2487781 3236676 3783368 3613254 2866917 3225385 16725600 0 0 0 4125859 4108481 3976740 3385757 3616544 19213381 0 0 19213381 85036 322096 66542 28716 74521 576911 0 85036 322096 66542 28716 74521 576911 0 0 4210895 4430577 4043282 3414473 3691065 19790292 0.97080 0.96720 0.02920 0.03280 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false false 197867 197867 1780803 1780803 24490 18579 5911 200761 200761 254172 240427 13745 1998326 Refundable Deposits 26525 Right of Use Asset 546493 Unamortized Marketing Costs 108551 681569 Deferred Revenue 27234 Lease Payable 546492 573726 3691065 3691065 3691065 3541663 3541663 3541663 X X X false false false false false false false false false Mr Paul Donohue Jr President 237700 237700 Rajesh Bhavsar IT Director 148226 7500 155726 Part III, Additional Information Board approves compensation per 990 audits and payscale.com. The Board also approves the bonus committee recommendations of year end bonuses. Form 990, Part VI, Section B, Line 11b Staff and Board Reviews. Then CPA finalized with staff and Board reviews. Form 990, Part VI, Section B, Line 12c Officers, Directors and key employees are required to disclose annually any interests that could give rise to conflict. Compliance Questionnaires are completed annually. The questionnaires are filed with the Corporate Records. Form 990, Part VI, Section B, Line 15a The compensation committee of the Board reviews President's salary and compares with the industry. The compensation committee of the Board review and approves the President's compensation independently of the President (who does not vote on or approve own compensation). Form 990, Part VI, Section B, Line 15b Top agency employees are reviewed by the compensation committee of the board. Form 990, Part VI, Section C, Line 18 candid.org or upon request to the company's 800#. Form 990, Part VI, Section C, Line 19 Documents, finances and conflict of interest policy are on candid.org or available on request. Property Holdings of CCMS LLC 1325 N Congress Ave 205 West Palm Beach FL 33401 844375188 Real Estate Holdings FL Credit Card Mangement Services Inc false false false false false false false false false false false false false false false false false false false