Nonprofit · EIN 31-1483386
CREDIT CARD MANAGEMENT SERVICES INC
Also known as DEBTHELPER COM
Tax-exempt · WEST PALM BEACH, FL 33401
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $4,502,566 | $4,089,333 | $413,233 | $6,796,466 | $853,429 | $5,943,037 |
| December 31, 2024 | 990 | $3,691,065 | $3,541,663 | $149,402 | $6,508,668 | $978,864 | $5,529,804 |
| December 31, 2023 | 990 | $3,414,473 | $3,305,336 | $109,137 | $6,356,815 | $976,413 | $5,380,402 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $492,742
- of which government grants
- $324,486
- Program service revenue
- $3,928,525
- Investment income
- $81,299
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $259,000
- Other salaries and wages
- $1,790,563
- Salaries, compensation and benefits (total)
- $2,462,470
- Professional fundraising fees
- $0
- Legal fees
- $4,270
- Accounting fees
- $10,000
- Occupancy
- $214,113
- Travel
- $29,039
- Depreciation
- $11,774
- Program services (functional)
- $3,968,149
- Management and general (functional)
- $121,184
Balance sheet and other
- Total assets, start of year
- $6,508,668
- Total assets, end of year
- $6,796,466
- Total liabilities, end of year
- $853,429
- Net assets, end of year
- $5,943,037
- Land, buildings and equipment
- $2,264,289
- Publicly traded securities
- $1,028,881
- Net assets without donor restrictions
- $5,943,037
- Gross receipts
- $4,502,566
- Employees
- 45
- Volunteers
- 6
- Year formed
- 1996
- State of legal domicile
- FL
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 |
|---|---|---|---|---|
| Mr Paul Donohue Jr | President Trustee or director, Officer | 50 | $262,250 | $8,480 |
| Rajesh Bhavsar | IT Director | 50 | $174,000 | $6,000 |
| Mohan Lalwani | Program Manager | 50 | $139,966 | $0 |
| Ann-Marie Drapeau | Operation Director | 50 | $137,510 | $0 |
| Dr Kurt Stahura | Director Trustee or director | 1 | $0 | $0 |
| Mr James H Sutch | Director Trustee or director | 1 | $0 | $0 |
| Mr George Lubeck III | Director Trustee or director | 5 | $0 | $0 |
| Mr Mathew Curran | Director Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 8 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Mr Paul Donohue Jr | President Trustee or director, Officer | 50 | $237,700 |
| Rajesh Bhavsar | IT Director | 50 | $155,726 |
| Mohan Lalwani | Program Manager | 50 | $140,522 |
| Ann-Marie Drapeau | Operations Manager | 50 | $121,961 |
| Dr Kurt Stahura | Director Trustee or director | 1 | $0 |
| Mr James H Sutch | Director Trustee or director | 1 | $0 |
| Mr George Lubeck III | Director Trustee or director | 5 | $0 |
| Mr Mattew Curran | Director Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 8 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Mr Paul Donohue Jr | President Trustee or director, Officer | 50 | $234,000 |
| Rajesh Bhavsar | IT Director | 50 | $171,600 |
| Mohan Lalwani | Program Manager | 50 | $139,360 |
| Ann-Marie Drapeau | Operations Manager | 50 | $127,770 |
| Dr Kurt Stahura | Director Trustee or director | 1 | $0 |
| Mr James H Sutch | Director Trustee or director | 1 | $0 |
| Mr George Lubeck III | Director Trustee or director | 5 | $0 |
| Mr Mattew Curran | Director Trustee or director | 1 | $0 |
Address and contacts
- Address (IRS master file)
- 1325 N CONGRESS AVE SUITE 201, WEST PALM BEACH, FL 33401-2005
- In care of
- % ANNIE CUTCHER
- Principal officer (990 for 2025)
- Mr Paul Donohue Jr, 1325 N Congress Ave 201, West Palm Beach, FL 33401
- Signed the 990
- Mr Paul Donohue Jr, President
- Phone
- (561) 472-8000
- Website
- www.debthelper.com
- Return prepared by
- DIVINE BLALOCK MARTIN & SELLARI LLC
Mission
To educate, advise and empower youth to seniors to handle debt, credit & housing and to provide affordable housing opportunities through the acquisition and rehabilitation of residential properties. Debthelper.com partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their community.
Program accomplishments
- Financial literacy 13,305 served. Approved to issue debt management plans in nearly all 50 states. Licensed bonded and insured. Consumers looking for relief paying back their credit cards are provided assistance with interest rates and repayment terms while on a debt management plan. Plans usually take about four years to repay and generally pay less interest and more toward the principal of the amount owed. Consumers look to improve their personal financial condition, improve credit knowledge, increase asset building and avoid personal bankruptcy.Expenses $1,971,197 · grants $181,056 · revenue $1,947,752
- Comprehensive Housing Counseling and Education; 8,433 served. CCMS provides HUD approved housing counseling. Home buyers education, reverse mortgage counseling for seniors looking to convert their home equity to cash; and financial literacy group education. Estimated 250 volunteer hours. Debthelper partners with 1,300 agencies to deliver quality counseling.Expenses $1,068,064 · grants $311,686 · revenue $1,041,832
- Credit Counseling and Debtor Education EOUST bankruptcy program; 36,279 served. Approved to issue certificates of completion of credit counseling or debtor education in compliance with the bankruptcy code. Approval does not endorse or guarantee or assure the quality of the provider's services.Expenses $664,609 · revenue $619,057
- Debthelper provides safe decent affordable housing as a partner with the NCST program. Debthelper rents 13 affordable home primarily to low to moderate income familes via Property Holdings of CCMS, LLC.Expenses $264,279 · revenue $319,884
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
- 31-1483386
- 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
- 1997
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51)
- Assets (IRS master file)
- $6,796,466
- Income (IRS master file)
- $4,502,566
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $4,502,566 | $4,089,333 | $6,796,466 | XML |
| 990 | December 2024 | $3,691,065 | $3,541,663 | $6,508,668 | XML |
| 990 | December 2023 | $3,414,473 | $3,305,336 | $6,356,815 | XML |
| 990 | December 2022 | $4,043,282 | $3,673,137 | $6,354,828 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | 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 31-1483386).
Questions about CREDIT CARD MANAGEMENT SERVICES INC
- What is the EIN of CREDIT CARD MANAGEMENT SERVICES INC?
- The employer identification number (EIN) of CREDIT CARD MANAGEMENT SERVICES INC is 31-1483386.
- Is CREDIT CARD MANAGEMENT SERVICES INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1997.
- Are donations to CREDIT CARD MANAGEMENT SERVICES INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does CREDIT CARD MANAGEMENT SERVICES 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 CREDIT CARD MANAGEMENT SERVICES 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 CREDIT CARD MANAGEMENT SERVICES 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 CREDIT CARD MANAGEMENT SERVICES INC?
- The 990 for the year ended December 31, 2025 names Mr Paul Donohue Jr.
- Who are the officers and directors of CREDIT CARD MANAGEMENT SERVICES INC?
- The 990 for the year ended December 31, 2025 lists 8 people; 4 received compensation from the organization, the highest $262,250 (Mr Paul Donohue Jr, President).
- How much revenue does CREDIT CARD MANAGEMENT SERVICES INC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $4,502,566, expenses of $4,089,333 and total assets of $6,796,466 at year end.
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