ASSOCIATION FOR CONSUMER DEBT RELI… - Form 990 Financial Data

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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

2005

Legal Domicile

Principal Officer

JASON MULVIHILL

Phone

8886578272

Tax Period

2025-01-01 to 2025-12-31

ASSOCIATION FOR CONSUMER DEBT RELIEF, founded in 2005, is a community nonprofit in the Community Improvement sector that reported $6.5M in total revenue in fiscal year 2025. Revenue surged 34% from the prior year, signaling strong growth momentum.

Mission

TO ENSURE CONSUMERS IN EVERY STATE HAVE ACCESS TO HIGH-QUALITY ACCREDITED DEBT RELIEF SERVICES.

Program Service Accomplishments

Program 1

TO EDUCATE CONSUMERS AND POLICYMAKERS ABOUT DEBT RELIEF AND ITS BENEFITS, HOLD DEBT RELIEF COMPANIES TO THE HIGHEST INDUSTRY STANDARDS, AND PROTECT AND EXPAND ACCESS TO ACCREDITED DEBT RELIEF...

TO EDUCATE CONSUMERS AND POLICYMAKERS ABOUT DEBT RELIEF AND ITS BENEFITS, HOLD DEBT RELIEF COMPANIES TO THE HIGHEST INDUSTRY STANDARDS, AND PROTECT AND EXPAND ACCESS TO ACCREDITED DEBT RELIEF SERVICES NATIONWIDE.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $6,470,704

Investment Income $66,158

Other Revenue $0

TOTAL REVENUE $6,536,862

Expense Breakdown

Grants Paid $309,520

Salaries & Benefits $1,843,701

Fundraising Expenses $0

Other Expenses $4,208,578

TOTAL EXPENSES $6,361,799

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,536,862	$4,882,709	+0.3%
Expenses	$6,361,799	$4,758,767	+0.3%
Net Income	$175,063	$123,942	+0.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JASON MULVIHILL	PRESIDENT &	40.00	Highest	$510,583	$16,673	$527,256
DENISE MORSE	FORMER CEO	40.00		$429,062	$9,080	$438,142
STACEY SILVA	HEAD OF COMP	40.00	Highest	$225,875	$9,035	$234,910
MICHAEL KOMASCHKA	GOVT AFFAIRS	40.00	Highest	$166,750	$5,003	$171,753
MICHAEL LUKSO	HEAD OF GOVT	40.00	Highest	$152,942	$0	$152,942
ROBBY BIRNBAUM	BOARD MEMBER	5.00	Director	$0	$0	$0
DEMETRIOS BOUTRIS	BOARD VICE C	5.00	Director	$0	$0	$0
COREY BUTCHER	BOARD SECRET	5.00	Director	$0	$0	$0
SEAN FOX	BOARD MEMBER	5.00	Director	$0	$0	$0
KRIS KEHLER	BOARD MEMBER	5.00	Director	$0	$0	$0
ALEX KLEYNER	BOARD MEMBER	5.00	Director	$0	$0	$0
NICHOLAS KOSMAS	BOARD CHAIR	5.00	Director	$0	$0	$0
STEVE PETREVESKI	BOARD TREASU	5.00	Director	$0	$0	$0
RANDI SELLARI	BOARD MEMBER	5.00	Director	$0	$0	$0
MOHIT SOFAT	BOARD MEMBER	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
2025	$6,536,862	$6,361,799	$2,975,992	$175,063
2024	$4,882,709	$4,758,767	$2,488,757	$123,942
2023	$4,292,502	$3,746,557	$2,364,815	$545,945
2022	$3,144,238	$2,661,893	$1,820,342	$482,345
2021	$2,517,641	$2,719,135	$1,343,819	$-201,494
2020	$1,760,756	$2,241,369	$1,538,019	$-480,613
2019	$2,086,016	$1,723,959	$2,018,629	$362,057
2018	$1,360,644	$1,010,245	$1,656,572	$350,399

ASSOCIATION FOR CONSUMER DEBT RELIEF