Nonprofit · EIN 20-3796648
ASSOCIATION FOR CONSUMER DEBT RELIEF
Tax-exempt · WASHINGTON, DC 20005
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $6,536,862 | $6,361,799 | $175,063 | $2,975,992 | $11,753 | $2,964,239 |
| December 31, 2024 | 990 | $4,882,709 | $4,758,767 | $123,942 | $2,488,757 | $0 | $2,488,757 |
| December 31, 2023 | 990 | $4,292,502 | $3,746,557 | $545,945 | $2,364,815 | $0 | $2,364,815 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $6,470,704
- Investment income
- $66,158
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $309,520
- Other salaries and wages
- $1,649,379
- Salaries, compensation and benefits (total)
- $1,843,701
- Professional fundraising fees
- $0
- Legal fees
- $92,306
- Accounting fees
- $23,400
- Travel
- $140,255
- Program services (functional)
- $6,215,097
- Management and general (functional)
- $146,702
Balance sheet and other
- Total assets, start of year
- $2,488,757
- Total assets, end of year
- $2,975,992
- Total liabilities, end of year
- $11,753
- Net assets, end of year
- $2,964,239
- Net assets without donor restrictions
- $2,964,239
- Gross receipts
- $6,536,862
- Employees
- 8
- Year formed
- 2005
- State of legal domicile
- TX
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, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JASON MULVIHILL | PRESIDENT & Highest-paid employee | 40 | $510,583 | $16,673 |
| DENISE MORSE | FORMER CEO Former | 40 | $429,062 | $9,080 |
| STACEY SILVA | HEAD OF COMP Highest-paid employee | 40 | $225,875 | $9,035 |
| MICHAEL KOMASCHKA | GOVT AFFAIRS Highest-paid employee | 40 | $166,750 | $5,003 |
| MICHAEL LUKSO | HEAD OF GOVT Highest-paid employee | 40 | $152,942 | $0 |
| ROBBY BIRNBAUM | BOARD MEMBER Trustee or director | 5 | $0 | $0 |
| DEMETRIOS BOUTRIS | BOARD VICE C Trustee or director | 5 | $0 | $0 |
| COREY BUTCHER | BOARD SECRET Trustee or director | 5 | $0 | $0 |
| SEAN FOX | BOARD MEMBER Trustee or director | 5 | $0 | $0 |
| KRIS KEHLER | BOARD MEMBER Trustee or director | 5 | $0 | $0 |
| ALEX KLEYNER | BOARD MEMBER Trustee or director | 5 | $0 | $0 |
| NICHOLAS KOSMAS | BOARD CHAIR Trustee or director | 5 | $0 | $0 |
| STEVE PETREVESKI | BOARD TREASU Trustee or director | 5 | $0 | $0 |
| RANDI SELLARI | BOARD MEMBER Trustee or director | 5 | $0 | $0 |
| MOHIT SOFAT | BOARD MEMBER Trustee or director | 5 | $0 | $0 |
990 for the year ended December 31, 2024: 11 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| ROBBY BIRNBAUM | VICE CHAIRMA Trustee or director, Officer | – | $0 |
| NATALIA BROWN | DIRECTOR Trustee or director | – | $0 |
| DIANE CHEN | DIRECTOR Trustee or director | – | $0 |
| SEAN FOX | DIRECTOR Trustee or director | – | $0 |
| DAN FRAZIER | CHAIRMAN Trustee or director, Officer | – | $0 |
| DAVID GREEN | SECRETARY Trustee or director, Officer | – | $0 |
| LORI LASHER | DIRECTOR Trustee or director | – | $0 |
| ANDREW SCHMIDTKE | DIRECTOR Trustee or director | – | $0 |
| YOLANDA SCHUFFORD | DIRECTOR Trustee or director | – | $0 |
| BRADLEY SMITH | TREASURER Trustee or director, Officer | – | $0 |
| MOHIT SOFAT | DIRECTOR Trustee or director | – | $0 |
990 for the year ended December 31, 2023: 11 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| DENISE DUNCKEL | CEO Highest-paid employee | 40 | $311,250 |
| KRISTIE BENDER | DIRECTOR Trustee or director | 5 | $0 |
| ROBBY BIRNBAUM | VICE CHAIRMA Trustee or director, Officer | 5 | $0 |
| NATALIA BROWN | DIRECTOR Trustee or director | 5 | $0 |
| DIANE CHEN | DIRECTOR Trustee or director | 5 | $0 |
| SEAN FOX | DIRECTOR Trustee or director | 5 | $0 |
| DAN FRAZIER | CHAIRMAN Trustee or director, Officer | 5 | $0 |
| SANJ GOYLE | DIRECTOR Trustee or director | 5 | $0 |
| DAVID GREEN | SECRETARY Trustee or director, Officer | 5 | $0 |
| YOLANDA SCHUFFORD | DIRECTOR Trustee or director | 5 | $0 |
| BRADLEY SMITH | TREASURER Trustee or director, Officer | 5 | $0 |
Address and contacts
- Address (IRS master file)
- 601 13TH ST NW STE 710S, WASHINGTON, DC 20005-3839
- Principal officer (990 for 2025)
- JASON MULVIHILL, 601 THIRTEENTH STREET NW, SUITE 710S, WASHINGTON, DC 20005
- Signed the 990
- JASON MULVIHILL, PRESIDENT & CEO
- Phone
- (888) 657-8272
- Website
- ACDR.ORG
- Return prepared by
- THE KEENAN GROUP
Mission
TO ENSURE CONSUMERS IN EVERY STATE HAVE ACCESS TO HIGH-QUALITY ACCREDITED DEBT RELIEF SERVICES.
Program accomplishments
- TO EDUCATE CONSUMERS AND POLICYMAKERS ABOUT DEBT RELIEF AND ITS BENEFITS, HOLD DEBT RELIEF COMPANIES TO THE HIGHEST INDUSTRY STANDARDS, AND PROTECT AND EXPAND ACCESS TO ACCREDITED DEBT RELIEF SERVICES NATIONWIDE.
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 | 990 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
- 20-3796648
- Tax-exempt status
- 501(c)(6): Business league or chamber of commerce
- Donations deductible
- No
- Exempt since
- 2010
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Community improvement and capacity building (S41)
- Assets (IRS master file)
- $2,975,992
- Income (IRS master file)
- $6,536,862
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $6,536,862 | $6,361,799 | $2,975,992 | XML |
| 990 | December 2024 | $4,882,709 | $4,758,767 | $2,488,757 | IRS |
| 990 | December 2023 | $4,292,502 | $3,746,557 | $2,364,815 | XML |
| 990 | December 2022 | $3,144,238 | $2,661,893 | $1,820,342 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | 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 20-3796648).
Questions about ASSOCIATION FOR CONSUMER DEBT RELIEF
- What is the EIN of ASSOCIATION FOR CONSUMER DEBT RELIEF?
- The employer identification number (EIN) of ASSOCIATION FOR CONSUMER DEBT RELIEF is 20-3796648.
- Is ASSOCIATION FOR CONSUMER DEBT RELIEF tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(6) since 2010.
- Are donations to ASSOCIATION FOR CONSUMER DEBT RELIEF tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does ASSOCIATION FOR CONSUMER DEBT RELIEF 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 ASSOCIATION FOR CONSUMER DEBT RELIEF due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did ASSOCIATION FOR CONSUMER DEBT RELIEF last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of ASSOCIATION FOR CONSUMER DEBT RELIEF?
- The 990 for the year ended December 31, 2025 names JASON MULVIHILL.
- Who are the officers and directors of ASSOCIATION FOR CONSUMER DEBT RELIEF?
- The 990 for the year ended December 31, 2025 lists 15 people; 5 received compensation from the organization, the highest $510,583 (JASON MULVIHILL, PRESIDENT &).
- How much revenue does ASSOCIATION FOR CONSUMER DEBT RELIEF have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $6,536,862, expenses of $6,361,799 and total assets of $2,975,992 at year end.
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