Nonprofit · EIN 04-3155735
AMERICAN CREDIT COUNSELING SERVICE INC
Tax-exempt · ATTLEBORO, MA 02703
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $122,150 | $124,919 | -$2,769 | $59,146 | $95,440 | -$36,294 |
| December 31, 2023 | 990 | $119,961 | $175,579 | -$55,618 | $70,122 | $103,646 | -$33,524 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $59,347
- Program service revenue
- $62,533
- Investment income
- $0
- Other revenue
- $270
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $44,200
- Other salaries and wages
- $15,700
- Salaries, compensation and benefits (total)
- $89,435
- Professional fundraising fees
- $0
- Accounting fees
- $6,048
- Travel
- $420
- Program services (functional)
- $108,154
- Management and general (functional)
- $16,765
Balance sheet and other
- Total assets, start of year
- $70,122
- Total assets, end of year
- $59,146
- Total liabilities, end of year
- $95,440
- Net assets, end of year
- -$36,294
- Net assets without donor restrictions
- -$36,294
- Gross receipts
- $122,150
- Employees
- 3
- Volunteers
- 0
- Year formed
- 1992
- State of legal domicile
- MA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Michael L Edgar | President Trustee or director, Officer | 40 | $22,200 | $9,000 |
| Mark Higgins | Vice President Trustee or director, Officer | 40 | $22,000 | $9,000 |
| Stephanie Comeau | Board member Trustee or director | 0 | $0 | $0 |
| Molly Curren | Board member Trustee or director | 0 | $0 | $0 |
| Matthew Geminiani | Board member Trustee or director | 0 | $0 | $0 |
| Melissa Kenerson | Board member Trustee or director | 0 | $0 | $0 |
| Michael McCue | Board member Trustee or director | 0 | $0 | $0 |
| Mark Stolworthy | Board member Trustee or director | 0 | $0 | $0 |
| Melissa Wagner | Board member Trustee or director | 0 | $0 | $0 |
990 for the year ended December 31, 2023: 9 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| MARK HIGGINS | VICE PRESIDE Trustee or director, Officer | 40 | $23,944 |
| MICHAEL L EDGAR | PRESIDENT Trustee or director, Officer | 40 | $22,052 |
| STEPHANIE COMEAU | BOARD MEMBER Trustee or director | – | $0 |
| MOLLY CURREN | BOARD MEMBER Trustee or director | – | $0 |
| MATTHEW GEMINIANI | BOARD MEMBER Trustee or director | – | $0 |
| MELISSA KENERSON | BOARD MEMBER Trustee or director | – | $0 |
| MICHAEL MCCUE | BOARD MEMBER Trustee or director | – | $0 |
| MARK STOLWORTHY | BOARD MEMBER Trustee or director | – | $0 |
| MELISSA WAGNER | BOARD MEMBER Trustee or director | – | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 174, ATTLEBORO, MA 02703-0003
- In care of
- % MICHAEL EDGAR
- Principal officer (990 for 2024)
- Michael Edgar, 393 Richardson Avenue, Attleboro, MA 02703
- Signed the 990
- Michael Edgar, President
- Phone
- (508) 643-4445
- Website
- www.accs.org
- Return prepared by
- DOUCETTE & DOUCETTE CPAS LLC
Mission
Budget and credit counselling.
Program accomplishments
- Providing debt management and mediation for financially distressed people. The majority are low income, 75% are handled at reduced or no charge. Financial education and budget counseling. Includes toll-free hotline. Most assisted are low income. There are no charges for these services. Educational services conducted in house monthly and at the request of social service agencies such as United Way. There are no charges for these services. Most participants are low income and/or elderly.Expenses $108,154 · revenue $62,803
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 04-3155735
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 1994
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Unknown (Z99)
- Assets (IRS master file)
- $59,146
- Income (IRS master file)
- $122,150
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $122,150 | $124,919 | $59,146 | XML |
| 990 | December 2023 | $119,961 | $175,579 | $70,122 | XML |
| 990 | December 2022 | $180,907 | $190,446 | $75,808 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 04-3155735).
Questions about AMERICAN CREDIT COUNSELING SERVICE INC
- What is the EIN of AMERICAN CREDIT COUNSELING SERVICE INC?
- The employer identification number (EIN) of AMERICAN CREDIT COUNSELING SERVICE INC is 04-3155735.
- Is AMERICAN CREDIT COUNSELING SERVICE INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1994.
- Are donations to AMERICAN CREDIT COUNSELING SERVICE INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does AMERICAN CREDIT COUNSELING SERVICE INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of AMERICAN CREDIT COUNSELING SERVICE INC due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did AMERICAN CREDIT COUNSELING SERVICE INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of AMERICAN CREDIT COUNSELING SERVICE INC?
- The 990 for the year ended December 31, 2024 names Michael Edgar.
- Who are the officers and directors of AMERICAN CREDIT COUNSELING SERVICE INC?
- The 990 for the year ended December 31, 2024 lists 9 people; 2 received compensation from the organization, the highest $22,200 (Michael L Edgar, President).
- How much revenue does AMERICAN CREDIT COUNSELING SERVICE INC have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $122,150, expenses of $124,919 and total assets of $59,146 at year end.
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