Nonprofit · EIN 25-1201741
ADVANTAGE CREDIT COUNSELING SERVICE INC
Tax-exempt · PITTSBURGH, PA 15203
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $2,487,050 | $2,409,594 | $77,456 | $2,212,522 | $567,680 | $1,644,842 |
| December 31, 2024 | 990 | $2,208,553 | $2,245,617 | -$37,064 | $2,067,287 | $499,901 | $1,567,386 |
| December 31, 2023 | 990 | $2,200,676 | $2,143,461 | $57,215 | $1,959,675 | $355,225 | $1,604,450 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $1,678,883
- of which government grants
- $1,039,585
- Program service revenue
- $760,791
- Investment income
- $47,376
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $257,491
- Other salaries and wages
- $1,237,884
- Salaries, compensation and benefits (total)
- $1,774,595
- Professional fundraising fees
- $0
- Legal fees
- $18,856
- Accounting fees
- $22,206
- Occupancy
- $42,947
- Travel
- $2,221
- Depreciation
- $29,911
- Program services (functional)
- $1,742,997
- Management and general (functional)
- $656,730
- Fundraising (functional)
- $9,867
Balance sheet and other
- Total assets, start of year
- $2,067,287
- Total assets, end of year
- $2,212,522
- Total liabilities, end of year
- $567,680
- Net assets, end of year
- $1,644,842
- Land, buildings and equipment
- $38,072
- Publicly traded securities
- $527,292
- Net assets without donor restrictions
- $1,493,238
- Net assets with donor restrictions
- $151,604
- Gross receipts
- $2,487,050
- Employees
- 32
- Volunteers
- 0
- Year formed
- 1968
- 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, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| GARY J VOLLMER | PRESIDENT & CEO Trustee or director, Officer | 45 | $140,402 | $22,016 |
| HEATHER MURRAY | SECRETARY Officer | 40 | $85,703 | $9,370 |
| ANNE FLYNN SCHLICHT | CHAIR Trustee or director | 4 | $0 | $0 |
| PATRICK VAN GORDER | DIRECTOR / VICE CHAIR Trustee or director | 2 | $0 | $0 |
| JEFFREY DAVIDEK | DIRECTOR / TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| MELANIE L ANSELL | DIRECTOR Trustee or director | 2 | $0 | $0 |
| SARAH MAYER | DIRECTOR Trustee or director | 2 | $0 | $0 |
| DAVID COLSON | DIRECTOR Trustee or director | 2 | $0 | $0 |
| CHRISTOPHER L CULLEN | DIRECTOR Trustee or director | 2 | $0 | $0 |
| WARREN T KING | DIRECTOR Trustee or director | 2 | $0 | $0 |
| FREDERICK P O'BRIEN | DIRECTOR Trustee or director | 2 | $0 | $0 |
| EVAN C OGRODNIK | DIRECTOR Trustee or director | 2 | $0 | $0 |
| DONALD E PRINGLE | DIRECTOR Trustee or director | 2 | $0 | $0 |
| BRYAN K WARD | DIRECTOR Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2024: 14 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| GARY J VOLLMER | PRESIDENT & CEO Trustee or director, Officer | 45 | $158,842 | $21,950 |
| HEATHER MURRAY | SECRETARY Officer | 40 | $85,000 | $15,995 |
| ANNE FLYNN SCHLICHT | CHAIR Trustee or director | 4 | $0 | $0 |
| PATRICK VAN GORDER | DIRECTOR / VICE CHAIR Trustee or director | 2 | $0 | $0 |
| JEFFREY DAVIDEK | DIRECTOR / TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| MELANIE L ANSELL | DIRECTOR Trustee or director | 2 | $0 | $0 |
| MICHAEL J CLARK | DIRECTOR Trustee or director | 2 | $0 | $0 |
| DAVID COLSON | DIRECTOR Trustee or director | 2 | $0 | $0 |
| CHRISTOPHER L CULLEN | DIRECTOR Trustee or director | 2 | $0 | $0 |
| WARREN T KING | DIRECTOR Trustee or director | 2 | $0 | $0 |
| FREDERICK P O'BRIEN | DIRECTOR Trustee or director | 2 | $0 | $0 |
| EVAN C OGRODNIK | DIRECTOR Trustee or director | 2 | $0 | $0 |
| DONALD E PRINGLE | DIRECTOR Trustee or director | 2 | $0 | $0 |
| BRYAN K WARD | DIRECTOR Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 13 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| GARY J VOLLMER | PRESIDENT & CEO Trustee or director, Officer | 45 | $143,239 | $20,730 |
| HEATHER MURRAY | SECRETARY Officer | 40 | $71,292 | $14,955 |
| MICHAEL J CLARK | DIRECTOR Trustee or director | 2 | $0 | $0 |
| CHRISTOPHER L CULLEN | DIRECTOR Trustee or director | 2 | $0 | $0 |
| ANNE FLYNN SCHLICHT | CHAIR Trustee or director | 4 | $0 | $0 |
| JEFFREY DAVIDEK | DIRECTOR/TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| WARREN T KING | DIRECTOR Trustee or director | 2 | $0 | $0 |
| FREDERICK P O'BRIEN | DIRECTOR Trustee or director | 2 | $0 | $0 |
| EVAN C OGRODNIK | DIRECTOR Trustee or director | 2 | $0 | $0 |
| DONALD E PRINGLE | DIRECTOR Trustee or director | 2 | $0 | $0 |
| PATRICK VAN GORDER | DIRECTOR/ VICE CHAIR Trustee or director | 2 | $0 | $0 |
| BRYAN K WARD | DIRECTOR Trustee or director | 2 | $0 | $0 |
| DAVID COLSON | DIRECTOR Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 2403 SIDNEY ST STE 250, PITTSBURGH, PA 15203-2194
- Principal officer (990 for 2025)
- GARY J VOLLMER, 2403 SIDNEY STREET SUITE 250, PITTSBURGH, PA 15203
- Signed the 990
- GARY J VOLLMER, PRESIDENT & CEO
- Phone
- (412) 390-1300
- Website
- WWW.ADVANTAGECCS.ORG
- Return prepared by
- LOUIS PLUNG & COMPANY LLP
Mission
AS A NONPROFIT ORGANIZATION, THE AGENCY PROVIDES MEANINGFUL, PROFESSIONAL AND CONFIDENTIAL CONSUMER EDUCATION AND BUDGET/CREDIT COUNSELING AND DEVELOPS EFFECTIVE DEBT REDUCTION PROGRAMS FOR ALL SEGMENTS OF THE COMMUNITY. THE AGENCY EDUCATES CONSUMERS ABOUT WISE MONEY MANAGEMENT AND THE RESPONSIBLE USE OF CREDIT.
Program accomplishments
- ADVANTAGE CREDIT COUNSELING SERVICE, INC. PROVIDES CREDIT-COUNSELING AND EDUCATIONAL SERVICES TO THE PUBLIC. SINCE ITS INCEPTION, THE AGENCY HAS ASSISTED THOUSANDS OF CLIENTS IN DEVELOPING A BUDGET, DETERMINING OPTIONS FOR REPAYING DEBTS AND WHEN APPROPRIATE, ADMINISTERING A DEBT MANAGEMENT PROGRAM. THE AGENCY ALSO PROVIDES FINANCIAL LITERACY EDUCATION TO ITS CLIENTS AND THE PUBLIC. ADDITIONALLY, THE AGENCY IS APPROVED BY HUD AND THE PENNSYLVANIA HOUSING FINANCE AGENCY TO PROVIDE COMPREHENSIVE HOUSING COUNSELING SERVICES. THIS INCLUDES COUNSELING PENNSYLVANIA HOMEOWNERS IN THREAT OF FORCLOSURE ON VARIOUS LOSS MITIGATION OPTIONS, INTERVENING WITH THEIR MORTGAGE LENDERS, AND ASSISTING WITH APPLICATIONS FOR THE STATE'S HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM. THE AGENCY COUNSELS FIRST TIME HOMEBUYERS ON THE ENTIRE HOME BUYING PROCESS AND PROVIDES REVERSE MORTGAGE COUNSELING TO SENIOR HOMEOWNERS.Expenses $980,419 · revenue $709,879
- THE AGENCY IS APPROVED BY THE PENNSYLVANIA HOUSING AND FINANCE AGENCY AND HUD TO CONDUCT COMPREHENSIVE HOUSING COUNSELING SERVICES. THE AGENCY PROVIDES COUNSELING AND EDUCATION FOR HOMEOWNERS IN THREAT OF FORECLOSURE, AS WELL AS INTERVENTION WITH LENDERS REGARDING LOSS MITIGATION OPTIONS SUCH AS LOAN MODIFICATIONS. THE AGENCY ALSO ASSISTS PENNSYLVANIA HOMEOWNERS WITH APPLYING FOR STATE EMERGENCY LOANS. THE AGENCY COUNSELS POTENTIAL HOMEBUYERS WHO HAVE BARRIERS THEY MUST OVERCOME TO QUALIFY FOR MORTGAGE LOANS. THE AGENCY ALSO COUNSELS INDIVIDUALS WHO HAVE QUALIFIED FOR A MORTGAGE BUT ARE REQUIRED TO PARTICIPATE IN COUNSELING AND EDUCATION.Expenses $621,403
- THE AGENCY IS APPROVED BY THE EXECUTIVE OFFICE FOR THE UNITED STATES TRUSTEES TO PROVIDE PRE-FILING BANKRUPTCY COUNSELING AND PRE-DISCHARGE BANKRUPTCY EDUCATION. CONSUMERS CONTEMPLATING BANKRUPTCY MUST FIRST HAVE COUNSELING THROUGH AN APPROVED NON-PROFIT PROVIDER AS PRESCRIBED BY THE BANKRUPTCY ABUSE PREVENTION AND CONSUMER PROTECTION ACT OF 2005.Expenses $130,724 · revenue $50,912
- THE AGENCY PROVIDES EDUCATIONAL AND ADMINISTRATIVE SUPPORT FOR UTILITY COMPANIES ENERGY ASSISTANCE PROGRAMS; THESE PROGRAMS ARE GEARED TO LOW AND MODERATE INCOME CONSUMERS.Expenses $10,451
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
- 25-1201741
- 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
- 2002
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51)
- Assets (IRS master file)
- $2,212,522
- Income (IRS master file)
- $2,487,050
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $2,487,050 | $2,409,594 | $2,212,522 | XML |
| 990 | December 2024 | $2,208,553 | $2,245,617 | $2,067,287 | XML |
| 990 | December 2023 | $2,200,676 | $2,143,461 | $1,959,675 | XML |
| 990 | December 2022 | $2,017,935 | $2,155,763 | $1,964,175 | 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 25-1201741).
Questions about ADVANTAGE CREDIT COUNSELING SERVICE INC
- What is the EIN of ADVANTAGE CREDIT COUNSELING SERVICE INC?
- The employer identification number (EIN) of ADVANTAGE CREDIT COUNSELING SERVICE INC is 25-1201741.
- Is ADVANTAGE CREDIT COUNSELING SERVICE INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2002.
- Are donations to ADVANTAGE CREDIT COUNSELING SERVICE INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does ADVANTAGE 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 ADVANTAGE CREDIT COUNSELING SERVICE 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 ADVANTAGE 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 2025.
- Who is the principal officer of ADVANTAGE CREDIT COUNSELING SERVICE INC?
- The 990 for the year ended December 31, 2025 names GARY J VOLLMER.
- Who are the officers and directors of ADVANTAGE CREDIT COUNSELING SERVICE INC?
- The 990 for the year ended December 31, 2025 lists 14 people; 2 received compensation from the organization, the highest $140,402 (GARY J VOLLMER, PRESIDENT & CEO).
- How much revenue does ADVANTAGE CREDIT COUNSELING SERVICE INC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $2,487,050, expenses of $2,409,594 and total assets of $2,212,522 at year end.
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