IPAYDEBT FINANCIAL SERVICES INC

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2003

Legal Domicile

Principal Officer

JOSEPH F BARRERO

Phone

5122630532

Tax Period

2018-01-01 to 2018-12-31

Mission

TO PROVIDE EDUCATION, INFORMATION, COUNSELING AND ASSISTANCE REGARDING THE SOUND USE OF CONSUMER CREDIT AND DEBT MANAGEMENT AND REDUCTION.

Program Service Accomplishments

Program 1

PROVIDE EDUCATIONAL MATERIALS AND INFORMATION TO CONSUMERS AND THE GENERAL PUBLIC AS TO THE SOUND USE OF CONSUMER CREDIT AND THE BASICS OF PERSONAL FINANCIAL MANAGEMENT, GOAL SETTING AND BUDGETING.

Program 2

PROVIDE COUNSELING ASSISTANCE PROGRAMS AND WORKSHOPS TO EDUCATE THE PUBLIC.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $0

Expense Breakdown

Grants Paid $0

Salaries & Benefits $130,722

Fundraising Expenses $0

Other Expenses $45,886

TOTAL EXPENSES $176,608

Year-over-Year Comparison

	2018	2017	Change
Revenue	N/A	$124,047	-1.0%
Expenses	$176,608	$581,887	-0.7%
Net Income	N/A	$-457,840	N/A

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$111,434

Total Directors

$113,896

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEPH F BARRERO	CEO/PRESIDEN	60.00	Officer Director	$111,434	$0	$111,434
JOHN C DAETWYLER	SECRETARY/VP	40.00	Director	$2,462	$0	$2,462
ROSA CASTRO	DIRECTOR	5.00	Director	$0	$0	$0
ROBERT VALLILEE	DIRECTOR	5.00	Director	$0	$0	$0
ADAM PAINTER	DIRECTOR	5.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2018	No data	$176,608	No data	No data