ASSOCIATION FOR CONSUMER DEBT RELIEF

EIN: 203796648 Community Improvement

WASHINGTON, DC

Total Revenue
$6,536,862
Total Expenses
$6,361,799
Total Assets
$2,975,992
Net Assets
$2,964,239
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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
TX
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.

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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%)

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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

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Governance

Voting Members
10
Independent Members
10
Employees
8
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
0
$0
Total Directors
10
$0
Key Employees
0
$0
Highest Compensated
4
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
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