ORLANDO, FL
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)INCHARGE DEBT SOLUTIONS, founded in 1997, is a mid-sized nonprofit in the Human Services sector that reported $14.3M in total revenue in fiscal year 2023. Expenses of $15.8M exceeded revenue, resulting in a 10% operating deficit.
INCHARGE DEBT SOLUTIONS HELPS CONSUMERS ACHIEVE FINANCIAL BALANCE AND MOVE CLOSER TO THEIR DREAMS.
CREDIT COUNSELING AND EDUCATION - THIS PROGRAM ASSISTS CONSUMERS IN MANAGING THEIR PERSONAL FINANCES THROUGH THE PROVISION OF SOLUTIONS-BASED CREDIT COUNSELING, BUDGET PLANNING AND FINANCIAL...
CREDIT 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 74,000 FINANCIALLY DISTRESSED INDIVIDUALS RECEIVED CREDIT COUNSELING, AND FINANCIAL EDUCATIONAL MATERIALS DURING 2023. FINANCIAL EDUCATIONAL MATERIALS ASSIST CONSUMERS IN ACQUIRING AND IMPROVING MONEY MANAGEMENT SKILLS AND MANAGING CREDIT. CREDIT COUNSELING SERVICES ARE OFFERED IN PERSON FOR INDIVIDUALS RESIDING IN THE CENTRAL FLORIDA AREA, AND NATIONALLY OVER THE TELEPHONE AND THROUGH THE INTERNET.
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...
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...
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, EVALUATION OF ELIGIBILITY FOR LOAN MODIFICATION, ASSESSMENT OF ABILITY TO SUSTAIN HOME OWNERSHIP, AND ALTERNATIVE HOUSING OPTIONS. HOMEBUYER EDUCATION IS DESIGNED TO BETTER PREPARE POTENTIAL HOMEOWNERS FOR HOMEOWNERSHIP. PARTICIPANTS EXAMINE THEIR HOUSING NEEDS, ANALYZE THEIR FINANCIAL SITUATION, AND LEARN STRATEGIES TO IMPROVE FINANCIAL MANAGEMENT IN AN EFFORT TO BETTER PREPARE FOR HOMEOWNERSHIP. PARTICIPANTS ALSO LEARN HOW TO SHOP FOR A HOME, OBTAIN A MORTGAGE AND PREPARE FOR LIFE AS A HOMEOWNER. PRE-PURCHASE HOMEBUYER COUNSELING, A PERSONAL ONE-ON-ONE SESSION, IS OFFERED TO PROVIDE EDUCATION AND TIPS TO ASSIST POTENTIAL HOMEBUYERS IN IMPROVING FINANCIAL MANAGEMENT SKILLS AND UNDERSTANDING ALTERNATIVE SOURCES OF FUNDING AND MORTGAGE OPTIONS. DURING 2023 APPROXIMATELY 7,700 HOUSING COUNSELING SESSIONS WERE CONDUCTED.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2023 | 2022 | Change | |
|---|---|---|---|
| Revenue | $14,313,613 | $13,703,408 | +0.0% |
| Expenses | $15,787,525 | $15,004,473 | +0.1% |
| Net Income | $-1,473,912 | $-1,301,065 | +0.1% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| PATRICIA WEXLER | BOARD CHAIR | 2.00 |
Director
|
$1,615 | $0 | $1,615 |
| CAREY TARBELL | TRUSTEE | 2.00 |
Director
|
$1,615 | $0 | $1,615 |
| JEFF TASSEY | TRUSTEE | 2.00 |
Director
|
$1,661 | $0 | $1,661 |
| JAMES HARRIS | TRUSTEE UNTIL MARCH | 1.00 |
Director
|
$0 | $0 | $0 |
| MONIKA WILCZAK | TRUSTEE AS OF MARCH | 2.00 |
Director
|
$722 | $0 | $722 |
| BHAVESH VADHANI | TRUSTEE | 2.00 |
Director
|
$0 | $0 | $0 |
| ROBERT RUIZ | TRUSTEE | 2.00 |
Director
|
$1,725 | $0 | $1,725 |
| KRISTEN SOLES | TRUSTEE | 2.00 |
Director
|
$0 | $0 | $0 |
| ROBERT GALL | TRUSTEE | 1.00 |
Director
|
$0 | $0 | $0 |
| SUSANNA KONDRACKI | TRUSTEE | 2.00 |
Director
|
$2,628 | $0 | $2,628 |
| ETTA W MONEY | PRESIDENT & CEO UNTIL MAY | 46.00 |
Officer
|
$214,007 | $25,206 | $239,213 |
| WILLIAM MALSEED | SECRETARY/TREASURER UNTIL MAY | 41.00 |
Officer
|
$129,815 | $10,387 | $140,202 |
| MICHAEL C LEON BOARD SEC AS | OF JUNE AND VP OF OPERATIONS | 45.00 |
Officer
|
$188,315 | $16,061 | $204,376 |
| LORETTA RONEY | PRESIDENT & CEO AS OF JUNE | 36.00 |
Officer
|
$224,219 | $9,006 | $233,225 |
| SEIJI SHIRAISHI BOARD TREAS | AND DIR. OF ACCOUNTING AND FINANCE | 27.00 |
Officer
|
$0 | $29,251 | $166,025 |
| RICARDO VIERA SENIOR | DIRECTOR OF INFORMATION TECHNOLOGY | 36.00 |
Key Emp
|
$0 | $30,396 | $189,055 |
| KAREN CARLSON | PRESIDENT OF EDUCATION FOUNDATION | 32.00 |
Key Emp
|
$0 | $30,667 | $219,541 |
| SHAWN WALSH | VICE PRESIDENT OF RELATIONSHIP | 36.00 |
Key Emp
|
$0 | $32,350 | $186,576 |
| AHMED MOYEEN | SOFTWARE ENGINEER SENIOR | 45.00 |
Highest
|
$0 | $15,357 | $134,570 |
| BILLY SEXTON | IT INFRASTRUCTURE MANAGER | 45.00 |
Highest
|
$0 | $15,544 | $137,817 |
| SHERANA BAKHSH | PMO/QUALITY ASSURANCE MANAGER | 45.00 |
Highest
|
$0 | $7,928 | $120,946 |
| NIDIA MERCADO DIRECTOR | OF QUALITY AND COMPLIANCE | 45.00 |
Highest
|
$114,358 | $22,807 | $137,165 |
| SASAN SALEH NASSAB | DIRECTOR OF QUALITY AND COMPLIANCE | 27.00 |
Highest
|
$120,352 | $28,605 | $148,957 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | No data | No data | No data | No data |
| 2023 | $14,313,613 | $15,787,525 | $8,338,382 | $-1,473,912 |
| 2022 | $13,703,408 | $15,004,473 | $10,402,259 | $-1,301,065 |
| 2021 | $18,359,238 | $14,381,236 | $11,087,223 | $3,978,002 |
| 2020 | $17,569,003 | $17,164,920 | $9,899,257 | $404,083 |
| 2018 | $16,065,326 | $15,466,298 | $6,405,414 | $599,028 |
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