Nonprofit · EIN 22-3569885
CONSUMER CREDIT AND BUDGET COUNSELING INC
Tax-exempt · MARMORA, NJ 08223
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $2,231,005 | $2,257,617 | -$26,612 | $753,379 | $570,563 | $182,816 |
| December 31, 2024 | 990 | $2,026,466 | $2,061,276 | -$34,810 | $689,897 | $480,469 | $209,428 |
| December 31, 2023 | 990 | $2,571,350 | $2,515,655 | $55,695 | $835,877 | $591,640 | $244,237 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $417,983
- Program service revenue
- $1,813,022
- Investment income
- $0
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $0
- Salaries, compensation and benefits (total)
- $1,139,167
- Professional fundraising fees
- $0
- Legal fees
- $22,760
- Accounting fees
- $176,322
- Occupancy
- $19,381
- Program services (functional)
- $1,988,697
- Management and general (functional)
- $268,920
Balance sheet and other
- Total assets, start of year
- $689,897
- Total assets, end of year
- $753,379
- Total liabilities, end of year
- $570,563
- Net assets, end of year
- $182,816
- Net assets without donor restrictions
- $182,816
- Gross receipts
- $2,231,005
- Employees
- 21
- Year formed
- 1998
- State of legal domicile
- NJ
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 |
|---|---|---|---|---|
| JUDY SORENSEN | PRESIDENT Officer, Key employee, Highest-paid employee | 40 | $121,344 | $20,232 |
| RUSSELL E GRAVES | EXECUTIVE DIRECTOR Officer, Key employee, Highest-paid employee | 40 | $116,345 | $20,082 |
| DANIEL STEWART | BOARD MEMBER Trustee or director | 5 | $0 | $0 |
| MICHAEL WETMORE | BOARD MEMBER Trustee or director | 5 | $0 | $0 |
| CHARLES BENJAMIN | BOARD MEMBER Trustee or director | 5 | $0 | $0 |
| BRIAN DOWNIE | BOARD MEMBER Trustee or director | 5 | $0 | $0 |
| SHELLY HAMM | BOARD MEMBER Trustee or director | 5 | $0 | $0 |
990 for the year ended December 31, 2024: 7 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JUDY SORENSEN | PRESIDENT Officer, Key employee, Highest-paid employee | 40 | $133,586 | $18,487 |
| RUSSELL E GRAVES | EXECUTIVE DIRECTOR Officer, Key employee, Highest-paid employee | 40 | $128,586 | $18,337 |
| DANIEL STEWART | BOARD MEMBER Trustee or director | 5 | $500 | $0 |
| MICHAEL WETMORE | BOARD MEMBER Trustee or director | 5 | $500 | $0 |
| CHARLES BENJAMIN | BOARD MEMBER Trustee or director | 5 | $500 | $0 |
| BRIAN DOWNIE | BOARD MEMBER Trustee or director | 5 | $500 | $0 |
| SHELLY HAMM | BOARD MEMBER Trustee or director | 5 | $500 | $0 |
990 for the year ended December 31, 2023: 7 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| RUSSELL E GRAVES | EXECUTIVE DIRECTOR Officer, Key employee, Highest-paid employee | 40 | $132,560 | $16,637 |
| JUDY SORENSEN | PRESIDENT Officer, Key employee, Highest-paid employee | 40 | $127,559 | $20,119 |
| DANIEL STEWART | BOARD MEMBER Trustee or director | 5 | $500 | $0 |
| MICHAEL WETMORE | BOARD MEMBER Trustee or director | 5 | $500 | $0 |
| CHARLES BENJAMIN | BOARD MEMBER Trustee or director | 5 | $500 | $0 |
| BRIAN DOWNIE | BOARD MEMBER Trustee or director | 5 | $500 | $0 |
| SHELLY HAMM | BOARD MEMBER Trustee or director | 5 | $500 | $0 |
Address and contacts
- Address (IRS master file)
- 299 SOUTH SHORE RD, MARMORA, NJ 08223-0000
- Principal officer (990 for 2025)
- RUSSELL GRAVES, 299 S SHORE ROAD US RTE 9, Marmora, NJ 08223
- Signed the 990
- RUSSELL GRAVES, EXECUTIVE DIRECTOR
- Phone
- (609) 390-9652
- Return prepared by
- LOGAN & BENGAL CPAs LLC
Mission
SEE SCHEDULE O
Program accomplishments
- PROGRAM TO CARRYOUT EDUCATIONAL AND CONFIDENTIAL COUNSELING TO INDIVIDUALS AND FAMILIES WITH SERIOUS MONEY PROBLEMS, INCLUDING DEBT MANAGEMENT PLANS AND HOUSING COUNSELING TO EDUCATE THE HOMEOWNER PRIOR TO ENTERING FORECLOSURE, DURING, AND/OR SUBMITTING A REVERSE MORTGAGE LOAN APPLICATION. CCBC STAFF IS EXTENSIVELY TRAINED AND CERTIFIED FOR EACH PROGRAM DELIVERED AND CCBC INTERNAL REQUIREMENTS OFTEN EXCEED HUD PROTOCOL FOR PROGRAM DELIVERY.Expenses $1,988,697 · revenue $2,231,005
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
- 22-3569885
- 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
- 1998
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51)
- Assets (IRS master file)
- $753,379
- Income (IRS master file)
- $2,231,005
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $2,231,005 | $2,257,617 | $753,379 | XML |
| 990 | December 2024 | $2,026,466 | $2,061,276 | $689,897 | IRS |
| 990 | December 2023 | $2,571,350 | $2,515,655 | $835,877 | XML |
| 990 | December 2022 | $2,447,551 | $2,504,700 | $753,183 | 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 22-3569885).
Questions about CONSUMER CREDIT AND BUDGET COUNSELING INC
- What is the EIN of CONSUMER CREDIT AND BUDGET COUNSELING INC?
- The employer identification number (EIN) of CONSUMER CREDIT AND BUDGET COUNSELING INC is 22-3569885.
- Is CONSUMER CREDIT AND BUDGET COUNSELING INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1998.
- Are donations to CONSUMER CREDIT AND BUDGET COUNSELING INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does CONSUMER CREDIT AND BUDGET COUNSELING 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 CONSUMER CREDIT AND BUDGET COUNSELING INC 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 CONSUMER CREDIT AND BUDGET COUNSELING INC 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 CONSUMER CREDIT AND BUDGET COUNSELING INC?
- The 990 for the year ended December 31, 2025 names RUSSELL GRAVES.
- Who are the officers and directors of CONSUMER CREDIT AND BUDGET COUNSELING INC?
- The 990 for the year ended December 31, 2025 lists 7 people; 2 received compensation from the organization, the highest $121,344 (JUDY SORENSEN, PRESIDENT).
- How much revenue does CONSUMER CREDIT AND BUDGET COUNSELING INC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $2,231,005, expenses of $2,257,617 and total assets of $753,379 at year end.
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