Nonprofit · EIN 23-1671903
CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY
Also known as CLARIFI
Tax-exempt · PHILADELPHIA, PA 19103
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $6,107,706 | $5,843,125 | $264,581 | $9,399,327 | $3,486,161 | $5,913,166 |
| December 31, 2023 | 990 | $6,190,985 | $5,041,580 | $1,149,405 | $8,821,060 | $3,378,191 | $5,442,869 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $5,866,620
- of which government grants
- $3,524,931
- Program service revenue
- $0
- Investment income
- $241,086
- Net gain from sales of assets
- $53,451
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $208,260
- Other salaries and wages
- $3,135,013
- Salaries, compensation and benefits (total)
- $3,943,225
- Professional fundraising fees
- $0
- Legal fees
- $2,850
- Accounting fees
- $16,254
- Occupancy
- $239,679
- Travel
- $36,539
- Depreciation
- $23,150
- Program services (functional)
- $4,707,947
- Management and general (functional)
- $902,050
- Fundraising (functional)
- $233,128
Balance sheet and other
- Total assets, start of year
- $8,821,060
- Total assets, end of year
- $9,399,327
- Total liabilities, end of year
- $3,486,161
- Net assets, end of year
- $5,913,166
- Land, buildings and equipment
- $22,867
- Publicly traded securities
- $3,079,462
- Net assets without donor restrictions
- $5,695,982
- Net assets with donor restrictions
- $217,184
- Gross receipts
- $9,399,232
- Employees
- 51
- Volunteers
- 28
- Year formed
- 1966
- State of legal domicile
- PA
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 | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| RICHARD T HOLLIS | CFO (SERVED UNTIL 09/2024) Officer | 3 | $0 | $265,413 | $11,485 |
| MICHAEL SHINKONIS | CFO (BEGAN SERVICE 08/2024) Officer | 5 | $0 | $187,083 | $37,796 |
| STEPHEN GARDNER | EXECUTIVE DIRECTOR Officer | 40 | $198,548 | $0 | $9,711 |
| SCOTT KAROL | DEPUTY DIRECTOR Highest-paid employee | 40 | $152,512 | $0 | $8,004 |
| JILL ROBERTS | VP OF ADVOCACY Highest-paid employee | 40 | $114,365 | $0 | $13,052 |
| JILL HERRIOTT | CHAIR Trustee or director, Officer | 2 | $0 | $0 | $0 |
| ANDREW SOVEN | VICE-CHAIR Trustee or director, Officer | 2 | $0 | $0 | $0 |
| WAYNE ANGLACE | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| GEORGE BENHAM III | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| PETER BILINSKY | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| DANA BROWN | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| AMY CARDER | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| JIM HARRINGTON | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| JEFF HENNESSY | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| OCTAVIA HOWELL | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
10 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| ALAN KAPLAN | DIRECTOR Trustee or director | 1 | $0 |
| ALEXANDRA SAMUELS | DIRECTOR Trustee or director | 1 | $0 |
| DREW SCHNEIDER | DIRECTOR Trustee or director | 1 | $0 |
| ANTHONY SHORE | DIRECTOR (SERVED UNTIL 06/2024) Trustee or director | 1 | $0 |
| LAURA STANSBURY | DIRECTOR Trustee or director | 1 | $0 |
| CATHERINE ULOZAS | DIRECTOR Trustee or director | 1 | $0 |
| ANEKA WILLIAMS | DIRECTOR Trustee or director | 1 | $0 |
| KATHLEEN WILLIAMSON | DIRECTOR Trustee or director | 1 | $0 |
| WALT WOJCIECHOWSKI | DIRECTOR Trustee or director | 1 | $0 |
| DANA YAMATE | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 24 people
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| RICHARD T HOLLIS | CHIEF FINANCIAL OFFICER Officer | 3 | $0 | $284,124 | $28,779 |
| STEPHEN GARDNER | EXECUTIVE DIRECTOR Officer | 40 | $194,217 | $0 | $9,578 |
| MICHAEL SHINKONIS | DIRECTOR OF FINANCE AND ACCOUNTING Highest-paid employee | 4 | $0 | $178,452 | $23,368 |
| SCOTT KAROL | DEPUTY DIRECTOR Highest-paid employee | 40 | $146,151 | $0 | $7,533 |
| JILL ROBERTS | DIRECTOR OF ADVOCACY Highest-paid employee | 40 | $106,209 | $0 | $11,810 |
| WAYNE ANGLACE | CHAIR Trustee or director, Officer | 2 | $0 | $0 | $0 |
| PETER BILINSKY | VICE CHAIR Trustee or director, Officer | 2 | $0 | $0 | $0 |
| GEORGE BENHAM III | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| EMILIA BERRY | DIRECTOR (RESIGNED 06/2023) Trustee or director | 1 | $0 | $0 | $0 |
| DANA BROWN | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| AMY CARDER | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| JIM HARRINGTON | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| JEFF HENNESSY | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| JILL HERRIOTT | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| ALAN KAPLAN | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| KATHLEEN LEONIK | DIRECTOR (RESIGNED 06/2023) Trustee or director | 1 | $0 | $0 | $0 |
| ALEXANDRA SAMUELS | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| ANTHONY SHORE | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| ANDREW SOVEN | DIRECTOR (RESIGNED 06/2023) Trustee or director | 1 | $0 | $0 | $0 |
| LAURA STANSBURY | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| CATHERINE ULOZAS | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| KATHLEEN WILLIAMSON | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
| ANGELA WILSEY | DIRECTOR (RESIGNED 06/2023) Trustee or director | 1 | $0 | $0 | $0 |
| DANA YAMATE | DIRECTOR Trustee or director | 1 | $0 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1635 MARKET ST, PHILADELPHIA, PA 19103-2217
- Principal officer (990 for 2024)
- LOIS ANN MURPHY, 1635 MARKET ST 5TH FL, PHILADELPHIA, PA 19103
- Signed the 990
- MICHAEL SHINKONIS, CHIEF FINANCIAL OFFICER
- Phone
- (215) 563-5665
- Website
- WWW.CLARIFI.ORG
- Return prepared by
- CLIFTONLARSONALLEN LLP
Mission
WE EMPOWER INDIVIDUALS TO ACHIEVE FINANCIAL RESILIENCE AND POSITIVELY IMPACT THEIR COMMUNITIES. OUR ENVISIONED FUTURE IS ONE IN WHICH PATHWAYS TO FINANCIAL WELLNESS ARE ACCESSIBLE TO EVERYONE.
Program accomplishments
- FINANCIAL EMPOWERMENT (PUBLIC SUPPORT): CLARIFI'S FINANCIAL EMPOWERMENT PROGRAM UTILIZES A RELATIONSHIP-BASED, CASE MANAGEMENT APPROACH TO COUNSELING INDIVIDUALS TOWARDS FINANCIAL RESILIENCE. COUNSELORS BUILD LONG-TERM RELATIONSHIPS WITH CLIENTS BASED ON EMPATHY AND TRUST, HELPING THEM SET THEIR OWN FINANCIAL GOALS SUCH AS REDUCED DEBT, IMPROVED CREDIT, AND INCREASED SAVINGS AND CREATE A STEP-BY-STEP ACTION PLAN FOR ACHIEVING THEM. DURING INITIAL APPOINTMENTS, COUNSELORS WORK WITH THEIR CLIENTS TO COMPLETE AN INCOME/EXPENSE ANALYSIS, IDENTIFY FINANCIAL GOALS, AND DEVELOP A WRITTEN ACTION PLAN FOR ACHIEVING SAID GOALS. COUNSELORS ALSO FOLLOW UP WITH CLIENTS AT 30, 60, AND 90 DAYS POST-APPOINTMENT TO CHECK IN ON PROGRESS, RECORD OUTCOMES, CONNECT THE CLIENT WITH ADDITIONAL RESOURCES, AND SCHEDULE FURTHER APPOINTMENTS. SERVICES ARE OFTEN PROVIDED IN COMMUNITY-BASED LOCATIONS IN PARTNERSHIP WITH ORGANIZATIONS LIKE CAREERLINK AND CHILDREN'S HOSPITAL OF PHILADELPHIA. THERE ARE NO ELIGIBILITY REQUIREMENTS AND NO LIMITATIONS ON THE VOLUME OF SERVICE PER CLIENT. CLIENTS OFTEN RETURN FOR MULTIPLE FOLLOW-UP APPOINTMENTS. THIS METHODOLOGY INCREASES THE CHANCE THAT EACH CLIENT MAKES POSITIVE BEHAVIORAL CHANGES AND MAINTAINS FINANCIALLY HEALTHY BEHAVIORS OVER TIME, BOTH OF WHICH YIELD STRONG, MEASURABLE LONG-TERM OUTCOMES. IN 2024, CLARIFI PROVIDED 3,742 FINANCIAL EMPOWERMENT COUNSELING SESSIONS TO 2,255 UNIQUE CLIENTS. OF THOSE CLIENTS, 261 REDUCED USE OF SHORT-TERM CREDIT, 604 ESTABLISHED EMERGENCY SAVINGS, 71 ESTABLISHED A CREDIT PROFILE, 276 INCREASED THEIR CREDIT SCORE BY 35+ POINTS, AND 850 ACHIEVED AND MAINTAINED CAPACITY TO MEET BASIC NEEDS FOR 90 DAYS.Expenses $2,353,974
- HOUSING (PUBLIC SUPPORT): CLARIFI'S HOUSING COUNSELING PROGRAM HELPS FAMILIES FIND, SECURE, AND MAINTAIN SAFE HOUSING. THESE SERVICES SPANTHE ENTIRETY OF THE HOUSING SPECTRUM, INCLUDING FORECLOSURE AND EVICTION PREVENTION, TENANCY PREPARATION, AND PRE-PURCHASECOUNSELING. CLARIFI'S HUD-CERTIFIED HOUSING COUNSELORS UTILIZE A CASE-MANAGEMENT MODEL TO HELP THEIR CLIENTS ACHIEVE THEIR HOUSINGGOALS. DURING INITIAL APPOINTMENTS, COUNSELORS WORK WITH THEIR CLIENTS TO COMPLETE AN INCOME/EXPENSE ANALYSIS, IDENTIFY HOUSINGGOALS, AND DEVELOP A WRITTEN ACTION PLAN FOR ACHIEVING SAID GOALS. COUNSELORS ALSO FOLLOW UP WITH CLIENTS AT 30, 60, AND 90 DAYS POST-APPOINTMENT TO CHECK IN ON PROGRESS, RECORD OUTCOMES, CONNECT THE CLIENT WITH ADDITIONAL RESOURCES, AND SCHEDULE FURTHERAPPOINTMENTS. RENTAL COUNSELING SERVICES INCLUDE EVICTION PREVENTION THROUGH LANDLORD/TENANT MEDIATION, LEASING EDUCATION,LANDLORD ADVOCACY (BASED IN SAFE, WARM, DRY STANDARDS), AND LEASING PREPARATION (SAVING FOR DEPOSITS, CREDIT COUNSELING, ETC.)FORECLOSURE PREVENTION SERVICES INCLUDE MORTGAGE DELINQUENCY NEGOTIATION, FORECLOSURE CONCILIATION, EMERGENCY ASSISTANCEAPPLICATIONS, AND COURT-BASED ADVOCACY IN PHILADELPHIA, MONTGOMERY AND DELAWARE COUNTIES, NEW JERSEY, AND DELAWARE. PRE-PURCHASESERVICES INCLUDE PURCHASE PLANNING AND EDUCATION, PURCHASE GUIDANCE, AND HOMEBUYER GRANT APPLICATION ASSISTANCE. IN 2024, CLARIFIPROVIDED 1,168 HOUSING COUNSELING SESSIONS TO 1,051 UNIQUE CLIENTS. OF OUR HOUSING CLIENTS, 31 PURCHASED A HOME, 84 PREVENTED ANEVICTION, AND 156 REPORTED AVOIDING FORECLOSURE OR WERE IN THEIR HOMES WORKING TOWARD A SOLUTION AS OF 12/31/24.Expenses $1,176,987
- HOME REPAIR (PUBLIC SUPPORT): CLARIFI'S HOME REPAIR PROGRAM HELPS PHILADELPHIA HOMEOWNERS ACCESS LOW-INTEREST HOME EQUITY LOANS TO INVEST IN THEIR PROPERTIES THROUGH THE RESTORE, REPAIR, RENEW HOME PRESERVATION PROGRAM. AS THE PROGRAM'S ADMINISTRATOR, CLARIFI CONNECTS PHILADELPHIA HOMEOWNERS TO THESE LOANS SO THEY CAN FUND HOME REPAIRS FOCUSING ON HEALTH, SAFETY, WEATHERIZATION, ACCESSIBILITY AND MODERNIZATION. LENDERS PARTICIPATING IN THE PROGRAM OFFER A 10-YEAR, FIXED-RATE, 3% INTEREST HOME EQUITY TERM LOAN RANGING FROM $2,500 TO $50,000 FOR ELIGIBLE HOMEOWNERS. ADDITIONALLY, CLARIFI'S COUNSELORS MAINTAIN A LARGE REFERRAL NETWORK AND OFTEN CONNECT THEIR CLIENTS TO ADDITIONAL RESOURCES, SUCH AS LEGAL HELP FOR TANGLED TITLE ISSUES, RELIEF FUNDS FOR TAX, UTILITY OR MORTGAGE DELINQUENCY, AND FOOD AND CLOTHING ASSISTANCE. IN 2024, CLARIFI HELPED 182 HOMEOWNERS SECURE $6.92 MILLION IN HOME EQUITY LOANS TO MAKE ESSENTIAL REPAIRS TO THEIR PRIMARY RESIDENCE.Expenses $941,589
- CLIENT GRANTS (PUBLIC SUPPORT): CLARIFI'S CLIENT GRANTS PROGRAM EMPOWERS FAMILIES TO ACHIEVE A RANGE OF POSITIVE OUTCOMES THAT FINANCIAL EMPOWERMENT AND HOUSING COUNSELING ALONE CANNOT, INCLUDING RESOLVING A CRISIS AND SECURING A FOUNDATION FOR BUILDING WEALTH. CLARIFI SUPPORTS THE ADVANCEMENT OF FINANCIAL JUSTICE BY DIRECTING RESOURCES TOWARDS THE COMMUNITIES WE SERVE, HELPING THEM OVERCOME AN ACUTE CRISIS, SUPPORT ECONOMIC MOBILITY, AND BUILD SUSTAINABLE WEALTH, OFTEN IN THE FORM OF HOME OWNERSHIP. IN 2024, CLARIFI DISTRIBUTED CLIENT GRANTS TO 682 INDIVIDUALS TOTALING $1,371,656.78.Expenses $235,397
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
- 23-1671903
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (509(a)(2))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 1995
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51Z)
- Assets (IRS master file)
- $9,399,327
- Income (IRS master file)
- $9,399,232
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $6,107,706 | $5,843,125 | $9,399,327 | XML |
| 990 | December 2023 | $6,190,985 | $5,041,580 | $8,821,060 | XML |
| 990 | December 2022 | $5,440,689 | $5,068,730 | $7,145,801 | 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 23-1671903).
Questions about CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY
- What is the EIN of CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY?
- The employer identification number (EIN) of CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY is 23-1671903.
- Is CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1995.
- Are donations to CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY 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 COUNSELING SERVICE OF DELAWARE VALLEY 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 CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY 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 CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY?
- The 990 for the year ended December 31, 2024 names LOIS ANN MURPHY.
- Who are the officers and directors of CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY?
- The 990 for the year ended December 31, 2024 lists 25 people; 3 received compensation from the organization.
- How much revenue does CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $6,107,706, expenses of $5,843,125 and total assets of $9,399,327 at year end.
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