Incharge Debt Solutions
Incharge Debt Solutions reported $15.0 million in revenue and $15.0 million in expenses for calendar year 2024. Of every $100 it spent, $93.10 went to program services, $6.68 to management and general costs and $0.22 to fundraising. Its largest source of revenue was program service revenue such as fees, sales and contracts: 66.9% of the total. The highest compensation it reported for one person was $414,755 (PRESIDENT & CEO). 5 people received more than $100,000 in reportable compensation. Revenue fell 14% between 2020 and 2024. Source: Form 990, 2024.
Where $100 of spending went
Calendar year 2024 · Form 990, Part IX, line 25 · total expenses $15MFor context, the median across 3,614 covered human services charities: $88.27 programs, $11.52 management, $0.21 fundraising (medians computed separately, so they may not sum to $100).
Where $100 of revenue came from
Calendar year 2024 · Form 990, Part VIII · total revenue $15M- Contributions & grants (non-government)$31.90 $4.9M
- Government grants$3.00 $463K
- Program service revenue$65.10 $10M
Investment income was negative: −$418K. The bar shows the positive sources only.
The 990 scorecard · same measures for every charity, no grades
| Measure | 2024 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 93.1% | 87.2% |
| Management & general Part IX 25(C) ÷ 25(A) | 6.7% | 11.4% |
| Fundraising Part IX 25(D) ÷ 25(A) | 0.2% | 0.2% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | $0.01 | $0.02 |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 35.9% | 20.6% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 3.1% | 2.4% |
| Program service revenue share Part VIII 2g ÷ 12 | 66.9% | 70.8% |
| Highest reported compensation Part VII-A, columns D–F | $414,755 | $274,992 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 2.76% | 1.18% |
| People paid over $100,000 Part VII, line 2 | 5 | 6 |
| Net assets, in months of expenses Part X 33(B) ÷ monthly expenses | 4.9 | 6.9 |
| Independent voting board members Part VI 1a–1b | 6 of 6 | 100.0% |
A median is context, not a target: hospitals, universities, food banks and grantmakers spend in very different ways. What these measures can and can't tell you.
What the money paid for, in its own words
2024 · Form 990, Part III · the three largest programs by expenseCredit counseling and education - this program assists consumers in managing their personal finances through the provision of solutions-based credit counseling, budget planning, and financial educational materials. Solutions-based counseling is designed to find the right solution for each debt distressed consumer. Nearly 62,430 financially distressed individuals received credit counseling, and financial educational materials during 2024. Financial educational materials assist consumers in acquiring and improving money management skills and managing credit. Credit counseling services are…
Debt management - ids offers debt management programs to assist consumers in paying off their unsecured debts and to better manage their financial obligations in the future. Ids processes debt payments, attempts to secure a reduction in interest rates, and attempts to establish affordable monthly payments on the clients' behalf. Clients are provided initial and continuing educational assistance through financial educational materials and guidance in financial matters as determined by their needs
Housing counseling and education - ids is a local U.S. Department of housing and urban development ("hud") approved agency in the state of florida and a member of the national foundation for credit counseling ("nfcc"), which enables ids to serve consumers on a nationwide basis. Housing counseling services include foreclosure prevention counseling, homebuyer education, and pre-purchase homebuyer counseling. Foreclosure prevention counseling is designed to provide existing borrowers with information and assistance needed to avoid foreclosure. Program highlights include budget planning…
Highest reported compensation
2024 · Form 990, Part VII, Section A · roles as filed; names are in the filing, not here| Role | From this org | From related orgs | Other | Total |
|---|---|---|---|---|
| PRESIDENT & CEO Officer, 49.00 hrs/week | $388,723 | $0 | $26,032 | $414,755 |
| EDUCATION & DIGITAL MARKETING Key employee, 36.00 hrs/week | $0 | $197,878 | $29,148 | $227,026 |
| AS OF AUG., DIR. OF ACCTG. & FINANCE Officer, 45.00 hrs/week | $0 | $174,751 | $30,192 | $204,943 |
| AND VP OF OPERATIONS UNTIL JUNE Officer, 45.00 hrs/week | $184,601 | $0 | $10,120 | $194,721 |
| DIRECTOR OF QUALITY AND COMPLIANCE Highest compensated employee, 32.00 hrs/week | $158,478 | $0 | $29,161 | $187,639 |
| DIR. OF HUMAN RESOURCES Key employee, 41.00 hrs/week | $0 | $168,394 | $6,092 | $174,486 |
| DIRECTOR OF IT INFRASTRUCTURE Highest compensated employee, 45.00 hrs/week | $0 | $149,443 | $17,248 | $166,691 |
| VP OF RELATIONSHIP UNTIL AUGUST Officer, 32.00 hrs/week | $0 | $147,640 | $18,856 | $166,496 |
5 people received more than $100,000 in reportable compensation from Incharge Debt Solutions (Part VII, line 2). Compensation of current officers, directors and key employees totaled $1.3M (Part IX, line 5).
5 years of filings
Form 990, Parts I, VII, IX and X · each row is that year's own filing, linkedGovernance answers, as filed
2024 · the organization's own yes/no answers; explanations, if any, are in Schedule O of the filing · what each means- Voting board members, and how many are independent Part VI, lines 1a–1b6 · 6 independent
- Audited financial statements Part XII 2bYes
- Conflict-of-interest policy Part VI 12aYes
- Whistleblower policy Part VI 13Yes
- Document retention policy Part VI 14Yes
- Independent process for top executive pay Part VI 15aNo
- Board given the 990 before filing Part VI 11aYes
- Family or business ties among insiders Part VI 2No
- Aware of a significant diversion of assets Part VI 5No
- Excess benefit transaction with an insider Part IV 25aNo
- Loans to or from insiders outstanding Part IV 26No
- Lobbying, or a 501(h) election in effect Part IV 4No
- Over $15,000 of professional fundraising services Part IV 18No
- Over $10,000 of activity outside the U.S. Part IV 14bNo
- Employees Part I, line 5110
- Volunteers Part I, line 61
Largest outside contractors
2024 · Form 990, Part VII, Section B · businesses only| GOOGLE LLC Public service announcements | $1,144,317 |
| NATIONAL DEBT RELIEF LLC Marketing services | $756,405 |
| NFCC Management services | $255,768 |
| KNUCKLEPUCK HOLDING LLC Consultants | $190,238 |
| DISRUPTIVE ADVERTISING INC Management services | $118,500 |
Individuals listed as contractors are left out. 5 contractors were paid more than $100,000 in all.
Private foundation grants it received
1 private foundation reported grants to Incharge Debt Solutions totaling $40 on their tax year 2023 Form 990-PF returns. See which foundations, on WHOFUNDS.
Source: WHOFUNDS open grant graph, matched from Form 990-PF Part XV.
Correct a figure or respond
Every number above is copied from Incharge Debt Solutions's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for Incharge Debt Solutions, you can publish a response that is linked from this page.
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Of every $100 Incharge Debt Solutions spent in 2024, $93.10 went to programs. The full breakdown, from its IRS Form 990:
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- Tableland ServicesSomerset, PA · revenue $15M · programs 92.0% · FY2025
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- Sarah Tuxis Residential Services inGuilford, CT · revenue $15M · programs 91.1% · FY2025
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Questions people ask
How much of Incharge Debt Solutions's spending goes to programs?
In calendar year 2024, Incharge Debt Solutions reported that 93.1% of its $15.0 million in expenses went to program services, 6.7% to management and general and 0.2% to fundraising (Form 990, Part IX).
How much does Incharge Debt Solutions pay its top executive?
The largest total compensation Incharge Debt Solutions reported for one person in calendar year 2024 was $414,755, for the role of PRESIDENT & CEO (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does Incharge Debt Solutions get its money?
Of $15.0 million in revenue in calendar year 2024, 35.9% came from contributions and grants (including 3.1% from government grants) and 66.9% from program service revenue (Form 990, Part VIII).
Is Incharge Debt Solutions a registered charity?
The IRS lists EIN 33-0770440 as a 501(c)(3) organization (publicly supported organization (170(b)(1)(a)(vi))), and its records show contributions as tax-deductible. Form 990 filings on record here cover tax years 2020, 2021, 2022, 2023, 2024. A filing shows what the organization reported; it doesn't by itself show whether a program works.
Sources
- 2024: Form 990 for calendar year 2024, object 202522949349300017 · read the filing · XML
- 2023: Form 990 for calendar year 2023, object 202402579349300920 · read the filing
- 2022: Form 990 for calendar year 2022, object 202312849349301531 · read the filing
- 2021: Form 990 for calendar year 2021, object 202222629349300637 · read the filing
- 2020: Form 990 for calendar year 2020, object 202111539349300026 · read the filing
All filings for EIN 33-0770440: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.