Nonprofit · EIN 59-3548266
CONSUMER DEBT COUNSELORS INC
Tax-exempt · WINTER PARK, FL 32789
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| September 30, 2025 | 990 | $1,701,867 | $1,599,812 | $102,055 | $994,879 | $806,303 | $188,576 |
| September 30, 2024 | 990 | $1,507,716 | $1,503,570 | $4,146 | $530,288 | $443,767 | $86,521 |
| September 30, 2023 | 990 | $1,468,794 | $1,473,129 | -$4,335 | $1,786,005 | $465,634 | $1,320,371 |
Financial details: 990 for the year ended September 30, 2025
Revenue
- Contributions, gifts and grants
- $176,333
- Program service revenue
- $1,525,534
- Investment income
- $0
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $81,402
- Other salaries and wages
- $697,732
- Salaries, compensation and benefits (total)
- $869,207
- Professional fundraising fees
- $0
- Occupancy
- $84,362
- Travel
- $24,730
- Depreciation
- $85,045
- Program services (functional)
- $1,506,313
- Management and general (functional)
- $93,499
Balance sheet and other
- Total assets, start of year
- $530,288
- Total assets, end of year
- $994,879
- Total liabilities, end of year
- $806,303
- Net assets, end of year
- $188,576
- Land, buildings and equipment
- $18,956
- Net assets without donor restrictions
- $188,576
- Gross receipts
- $1,701,867
- Employees
- 15
- Volunteers
- 0
- Year formed
- 1998
- 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 September 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KELLEY CLARK MARTIN | COO Officer | 40 | $67,081 | $0 |
| GEORGE JANAS CLU CHFC FICF | PRESIDENT Trustee or director, Officer | 40 | $0 | $14,321 |
| JAY GEWOLB MD | SECRETARY/TRUSTEE Trustee or director, Officer | 0.5 | $0 | $0 |
| JAMES H SULLIVAN CPA MAS CSA AFC | TREASURER/TRUSTEE Trustee or director, Officer | 0.5 | $0 | $0 |
| K LAYNE HALL | TRUSTEE Trustee or director | 0.5 | $0 | $0 |
| JOSEPH BOURKE | TRUSTEE Trustee or director | 0.5 | $0 | $0 |
990 for the year ended September 30, 2024: 5 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| GEORGE JANAS CLU CHFC FICF | PRESIDENT Trustee or director, Officer | 40 | $0 | $13,368 |
| JAY GEWOLB MD | SECRETARY/TRUSTEE Trustee or director, Officer | 0.5 | $0 | $0 |
| JAMES H SULLIVAN CPA MAS CSA AFC | TREASURER/TRUSTEE Trustee or director, Officer | 0.5 | $0 | $0 |
| LAYNE HALL | TRUSTEE Trustee or director | 0.5 | $0 | $0 |
| JOE BOURKE | TRUSTEE Trustee or director | 0.5 | $0 | $0 |
990 for the year ended September 30, 2023: 7 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| GEORGE JANAS CLU CHFC FICF | PRESIDENT Trustee or director, Officer | 40 | $0 | $17,355 |
| JAY GEWOLB MD | SECRETARY/TRUSTEE Trustee or director, Officer | 0.5 | $0 | $0 |
| SHIRLEY Q RANGE | TRUSTEE Trustee or director | 0.5 | $0 | $0 |
| JAMES H SULLIVAN CPA MAS CSA AFC | TREASURER/TRUSTEE Trustee or director, Officer | 0.5 | $0 | $0 |
| REMI ZECMAN FICF LUTC | TRUSTEE Trustee or director | 0.5 | $0 | $0 |
| LAYNE HALL | TRUSTEE Trustee or director | 0.5 | $0 | $0 |
| JOE BOURKE | TRUSTEE Trustee or director | 0.5 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 831 W MORSE BLVD, WINTER PARK, FL 32789-3708
- In care of
- % GEORGE J JANAS JR
- Principal officer (990 for 2024)
- GEORGE JANAS, 831 WEST MORSE BLVD, WINTER PARK, FL 32789
- Signed the 990
- GEORGE JANAS, PRESIDENT
- Phone
- (407) 599-0057
- Return prepared by
- RA SIMASEK PA
Mission
PROVIDE FINANCIAL LITERACY PROGRAMS THAT PROMOTE THE STEWARDSHIP OF FINANCIAL RESOURCES; PROVIDE FINANCIAL CRISIS COUNSELING ON A LOW-COST/NO-COST BASIS; AND, SERVE AS A COMMUNITY RESOURCE FOR FINANCIAL COUNSELING AND EDUCATION.
Program accomplishments
- CONSUMER DEBT COUNSELORS PROVIDES FINANCIAL COUNSELING AND EDUCATION AND PROMOTES FINANCIAL WELLNESS TO UNDERSERVED AMERICAN FAMILIES. THE ORGANIZATION IS A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING (NFCC), IS AN ACCREDITED MEMBER OF THE BETTER BUSINESS BUREAU WITH AN A+ RATING, AND HAS AN ISO 9001 CERTIFIED QUALITY MANAGEMENT SYSTEM. CLIENTS WHO BOOK AN APPOINTMENT WITH A CERTIFIED CREDIT COUNSELOR COMPLETE A DETAILED FINANCIAL REVIEW. THEY WORK WITH THEIR COUNSELOR TO DEFINE THEIR FINANCIAL GOALS, ESTABLISH A BUDGET, AND CREATE AN ACTION PLAN TO ACHIEVE THEM. ALL FINANCIAL COUNSELING IS PROVIDED AT NO COST TO OUR CLIENTELE. GENEROUS GRANTS FROM COMMUNITY PARTNERS SUPPLY FUNDING. SOME CLIENTS WHO UNDERGO FINANCIAL COUNSELING MAY ENROLL IN A DEBT MANAGEMENT PROGRAM (DMP), WHICH ALLOWS CREDITORS TO RECOVER TOTAL OUTSTANDING BALANCES WHILE NEGOTIATING CONCESSIONS LIKE LOWER INTEREST RATES TO ENSURE CLIENTS CAN REPAY THEIR DEBTS WITHOUT ADDITIONAL FINANCIAL DIFFICULTIES. DURING THE 2025 FISCAL YEAR, CONSUMER DEBT COUNSELORS CONDUCTED 3155 FINANCIAL COUNSELING SESSIONS IN PERSON, ONLINE, AND OVER THE TELEPHONE. IN THE SAME PERIOD, 963 CLIENTS STARTED A NEW DMP, AND 339 CLIENTS SUCCESSFULLY COMPLETED A DMP.Expenses $1,144,799 · revenue $1,159,406
- SINCE 2012, CONSUMER DEBT COUNSELORS HAS MET THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT'S (HUD) STRICT REQUIREMENTS TO BE A HUD-CERTIFIED HOUSING COUNSELING AGENCY. OUR HOUSING COUNSELORS WORK WITH UNDERSERVED COMMUNITIES TO OVERCOME HOUSING CHALLENGES IN MULTIPLE AREAS, INCLUDING FAIR HOUSING, HOMELESSNESS, RENTAL HOUSING, HOMEOWNERSHIP, MORTGAGE MODIFICATION, AND FORECLOSURE ASSISTANCE AND EDUCATION. ALL HOUSING COUNSELING SERVICES ARE PROVIDED AT NO COST TO CLIENTS. FUNDING FOR HOUSING PROGRAMS COMES FROM VARIOUS SOURCES, INCLUDING THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD), COMMUNITY PARTNERSHIPS, AND STATE AND LOCAL GOVERNMENTS. SOME HOUSING CLIENTS ENGAGE THE ORGANIZATION VIA WORKSHOPS. CONSUMER DEBT COUNSELORS REGULARLY HOLD SEMINARS ON BOTH PRE-PURCHASE AND POST-PURCHASE HOMEOWNERSHIP EDUCATION. DURING THE 2025 FISCAL YEAR, THE ORGANIZATION HELD 12 WORKSHOPS. OTHER HOUSING CLIENTS ENGAGE IN ONE-ON-ONE COUNSELING. DURING THE 2025 FISCAL YEAR, CONSUMER DEBT COUNSELORS PROVIDED ONE-ON-ONE HOUSING COUNSELING TO 587 CLIENTS. OVERALL, INCLUDING BOTH WORKSHOPS AND ONE-ON-ONE COUNSELING, CONSUMER DEBT COUNSELORS IMPROVED THE FINANCIAL CAPABILITIES AND SKILLS OF 696 CLIENTS, REFERRED 399 CLIENTS TO ADDITIONAL HOUSING SERVICES, REFERRED 5 CLIENTS TO OTHER SOCIAL SERVICES, COMPLETED 43 HOMELESS OR RENTAL COUNSELING SESSIONS, AND DELIVERED 39 PRE-PURCHASE COUNSELING SESSIONS THAT RESULTED IN THE PURCHASE OF A HOME.Expenses $256,072 · revenue $259,340
- CONSUMER DEBT COUNSELORS SEEKS TO BE A TRUSTED AND RESPECTED VOICE FOR CONSUMER FINANCIAL EDUCATION AND PROBLEM RESOLUTION IN OUR COMMUNITIES. ONE OF OUR PRIMARY FOCUS AREAS IS COMMUNITY OUTREACH. SINCE 2015, CONSUMER DEBT COUNSELORS HAS BEEN A PROUD SPONSOR OF JEWISH FAMILY SERVICES OF GREATER ORLANDO'S (JFS ORLANDO) FAMILY STABILIZATION PROGRAM (FSP). THE FSP IS A PREVENTATIVE, SIX-MONTH CASE MANAGEMENT PROGRAM DESIGNED TO HELP FAMILIES OBTAIN SELF-SUFFICIENCY BY TEACHING THEM CRITICAL SKILLS AND TOOLS TO RESOLVE CRISES AND AVOID FUTURE HARDSHIPS WHILE ACHIEVING LONG-TERM STABILITY. THE PROGRAM'S PRIMARY OBJECTIVES ARE TO IMPROVE FINANCIAL MANAGEMENT SKILLS, EMPLOYABILITY, FAMILY STABILITY, AND MENTAL HEALTH AND TO MAINTAIN OR IMPROVE HOUSING. THIS IS ACCOMPLISHED BY PROVIDING CLIENTS WITH VARIOUS SUPPORTIVE SERVICES AT NO COST TO PARTICIPANTS. CONSUMER DEBT COUNSELORS PROVIDES WORKSHOPS ON CRISIS BUDGETING, REBUILDING CREDIT, SAVING, AND BASIC MONEY MANAGEMENT FOR EACH COHORT. ADDITIONALLY, THE ORGANIZATION PROVIDES ONGOING ONE-ON-ONE FINANCIAL COUNSELING FOR ALL PROGRAM PARTICIPANTS. DURING THE 2025 FISCAL YEAR, 40 HOUSEHOLDS PARTICIPATED IN JFS ORLANDO'S FSP. EACH OF THESE HOUSEHOLDS COMPLETED WORKSHOPS AND FINANCIAL COUNSELING SESSIONS.Expenses $105,442 · revenue $106,788
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 September, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | September 30, 2026 | February 15, 2027 | Not due yet |
| 2024 | September 30, 2025 | February 16, 2026 | 990 on file |
| 2023 | September 30, 2024 | February 17, 2025 | 990 on file |
IRS record
- EIN
- 59-3548266
- 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
- 1999
- Accounting year ends
- September
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51)
- Assets (IRS master file)
- $994,879
- Income (IRS master file)
- $1,701,867
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | September 2025 | $1,701,867 | $1,599,812 | $994,879 | XML |
| 990 | September 2024 | $1,507,716 | $1,503,570 | $530,288 | XML |
| 990 | September 2023 | $1,468,794 | $1,473,129 | $1,786,005 | XML |
| 990 | September 2022 | $1,408,358 | $1,429,193 | $1,784,736 | IRS |
| 990 | September 2021 | – | – | – | IRS |
| 990 | September 2020 | – | – | – | IRS |
| 990 | September 2019 | – | – | – | IRS |
| 990 | September 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 59-3548266).
Questions about CONSUMER DEBT COUNSELORS INC
- What is the EIN of CONSUMER DEBT COUNSELORS INC?
- The employer identification number (EIN) of CONSUMER DEBT COUNSELORS INC is 59-3548266.
- Is CONSUMER DEBT COUNSELORS INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1999.
- Are donations to CONSUMER DEBT COUNSELORS INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does CONSUMER DEBT COUNSELORS 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 DEBT COUNSELORS INC due?
- The return for tax year 2025 (the year ending September 30, 2026) is due February 15, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did CONSUMER DEBT COUNSELORS INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended September 2025.
- Who is the principal officer of CONSUMER DEBT COUNSELORS INC?
- The 990 for the year ended September 30, 2025 names GEORGE JANAS.
- Who are the officers and directors of CONSUMER DEBT COUNSELORS INC?
- The 990 for the year ended September 30, 2025 lists 6 people; 1 received compensation from the organization, the highest $67,081 (KELLEY CLARK MARTIN, COO).
- How much revenue does CONSUMER DEBT COUNSELORS INC have?
- On its 990 for the year ended September 30, 2025 it reported revenue of $1,701,867, expenses of $1,599,812 and total assets of $994,879 at year end.
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