NATIONAL CONSUMER BANKRUPTCY RIGHTS CENTER

EIN: 273191132 501(c)(3) Crime & Legal

SAN JOSE, CA

Total Revenue
$352,300
Total Expenses
$106,843
Total Assets
$374,116
Net Assets
$374,116
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
2010
Legal Domicile
CA
Principal Officer
JAMES S SHULMAN
Phone
4082973333
Tax Period
2025-01-01 to 2025-12-31

NATIONAL CONSUMER BANKRUPTCY RIGHTS CENTER, founded in 2010, is a small nonprofit in the Crime & Legal sector that reported $352K in total revenue in fiscal year 2025. The organization ran a surplus of $245K, a strong 70% operating margin.

Mission

WORKED DIRECTLY WITH DEBTORS' ATTORNEYS AND FILED AMICUS BRIEFS IN COURTS THROUGHOUT THE COUNTRY. AN AMICUS CURIAE IS AN ENTITY OR PERSON, NOT A PARTY TO A CASE, WHO VOLUNTEERS INFORMATION TO ASSIST COURTS IN DECIDING MATTERS BEFORE IT. APPELLATE CASES ARE NORMALLY LIMITED TO THE FACTUAL RECORD AND ARGUMENTS FROM THE LOWER COURT CASE UNDER APPEAL, AND THE DEBTORS' ATTORNEYS FOCUS ON THE FACTS AND ARGUMENTS MOST FAVORABLE TO THEIR CLIENTS. WHERE RESOLUTION OF A PARTICULAR CASE MAY IMPACT CONSUMER DEBTORS THROUGHOUT THE COUNTRY, AMICUS CURIAE BRIEFS ARE A WAY TO INTRODUCE THOSE BROADER CONCERNS, SO THAT THE LARGER LEGAL EFFECTS OF COURTS' DECISIONS WILL NOT DEPEND SOLELY ON THE PARTIES DIRECTLY INVOLVED IN THE CASE. NCBRC ALSO STRIVES TO IMPACT THE NATIONAL CONVERSATION ON BANKRUPTCY LAWS AND DEBTOR RIGHTS BY INCREASING PUBLIC AWARENESS AND EDUCATION AND BY ATTRACTING MEDIA ATTENTION TO THE IMPORTANT ISSUES INVOLVED.

Program Service Accomplishments

Program 1
Expenses: $99,646 Revenue: $345,820

WORKED DIRECTLY WITH DEBTORS' ATTORNEYS AND FILED AMICUS BRIEFS IN COURTS THROUGHOUT THE COUNTRY.

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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 $345,820
Program Service Revenue $0
Investment Income $6,480
Other Revenue $0
TOTAL REVENUE $352,300

Expense Breakdown

Grants Paid $0
Salaries & Benefits $0
Fundraising Expenses $1,450
Program Expenses $99,646
Other Expenses $105,393
TOTAL EXPENSES $106,843

Year-over-Year Comparison

2025 2024 Change
Revenue $352,300 N/A N/A
Expenses $106,843 N/A N/A
Net Income $245,457 $0 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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Governance

Voting Members
13
Independent Members
13
Employees
N/A
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
13
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
JAMES S SHULMAN TREASURER 1.00
Director
$0 $0 $0
HENRY J SOMMER PRESIDENT 1.00
Director
$0 $0 $0
MATTHEW J MASON SECRETARY 1.00
Director
$0 $0 $0
NORMA L HAMMES VICE PRESIDENT 1.00
Director
$0 $0 $0
JOHN RAO DIRECTOR 1.00
Director
$0 $0 $0
DAVID YEN DIRECTOR 1.00
Director
$0 $0 $0
JILL MICHAUX DIRECTOR 1.00
Director
$0 $0 $0
DAN PRESS DIRECTOR 1.00
Director
$0 $0 $0
ANGELA K LITTWIN DIRECTOR 1.00
Director
$0 $0 $0
VICTOR NOSKOV DIRECTOR 1.00
Director
$0 $0 $0
EDWARDS BOLTZ DIRECTOR 1.00
Director
$0 $0 $0
EUGENE MELCHIONNE DIRECTOR 1.00
Director
$0 $0 $0
THOMAS MAYER DIRECTOR 1.00
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 $352,300 $106,843 $374,116 $245,457
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