MEDICAL DEBT RESOLUTION INC (EIN 471442997) - Form 990 Financial Analysis & Trantor Score

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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

2014

Legal Domicile

Phone

8446373328

Tax Period

2024-01-01 to 2024-12-31

MEDICAL DEBT RESOLUTION INC, founded in 2014, is a mid-sized nonprofit in the Human Services sector that reported $92.6M in total revenue in fiscal year 2024. Revenue surged 227% from the prior year, signaling strong growth momentum. The organization ran a surplus of $59.5M, a strong 64% operating margin.

Mission

TO END MEDICAL DEBT.

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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 (2024)

Revenue Breakdown

Contributions & Grants $88,847,941

Program Service Revenue $0

Investment Income $3,638,276

Other Revenue $93,802

TOTAL REVENUE $92,580,019

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,990,904

Fundraising Expenses $1,646,686

Program Expenses $28,228,328

Other Expenses $28,475,627

TOTAL EXPENSES $33,118,125

Year-over-Year Comparison

	2024	2023	Change
Revenue	$92,580,019	$28,294,801	+2.3%
Expenses	$33,118,125	$22,656,788	+0.5%
Net Income	$59,461,894	$5,638,013	+9.5%

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

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

$930,135

Total Directors

Key Employees

$559,931

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELIZABETH MARINCOLA	TREASURER (AS OF 12/2024)	1.0	Officer Director	$0	$0	$0
JOSE PENABAD	TREASURER (THRU 12/2024), VICE CHAIR (AS OF 12/2024)	1.0	Officer Director	$0	$0	$0
MICHELE MASUCCI	VICE CHAIR (THRU 12/2024), BOARD CHAIR (AS OF 12/2024)	1.0	Officer Director	$0	$0	$0
TED SANN	SECRETARY	1.0	Officer Director	$0	$0	$0
WILLIAM VON MUEFFLING	BOARD CHAIR (THRU 12/11/2024)	1.0	Officer Director	$0	$0	$0
DR OXIRIS BARBOT	DIRECTOR	1.0	Director	$0	$0	$0
DR RAMANATHAN RAJU	DIRECTOR	1.0	Director	$0	$0	$0
HAROLD ASHTON	DIRECTOR (THRU 5/24/2024)	1.0	Director	$0	$0	$0
JEFF SMEDSRUD	DIRECTOR	1.0	Director	$0	$0	$0
JONATHAN LINDSEY	DIRECTOR	1.0	Director	$0	$0	$0
JONATHAN WIGGS	DIRECTOR	1.0	Director	$0	$0	$0
ROBERT GOFF	DIRECTOR (THRU 12/11/2024)	1.0	Director	$0	$0	$0
ALLISON SESSO	CEO & PRESIDENT	40.0	Officer	$343,962	$49,624	$393,586
JANA KNAUEROVA	VP FINANCE & ADMINISTRATION	40.0	Officer	$184,038	$34,474	$218,512
RAVNEETA CONSUL	COO	40.0	Officer	$272,907	$45,130	$318,037
DAVID REYNOLDS	VP INFO SYSTEMS	40.0	Key Emp	$224,308	$31,723	$256,031
RUTH LANDE	VP HOSPITAL RELATIONS	40.0	Key Emp	$267,890	$36,010	$303,900
CHARLES RUSSEK	SENIOR SOFTWARE DEVELOPER	40.0	Highest	$144,894	$38,170	$183,064
DANIEL LEMPERT	VP MARKETING & COMMUNICATIONS	40.0	Highest	$160,316	$17,503	$177,819
EVA STAHL	VP POLICY & PROGRAMS	40.0	Highest	$184,750	$6,725	$191,475
MARISA CLEMENTE	VP PHILANTHROPY	40.0	Highest	$220,499	$22,357	$242,856
PETER NIEUWKERK	BUSINESS PROCESS MANAGER	40.0	Highest	$138,149	$16,727	$154,876

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
2024	$92,580,019	$33,118,125	$154,555,115	$59,461,894
2023	$28,294,801	$22,656,788	$95,897,379	$5,638,013
2022	$42,872,028	$11,679,627	$88,257,653	$31,192,401
2021	$17,143,600	$18,437,272	$56,504,785	$-1,293,672
2020	$66,172,951	$13,034,524	$57,765,850	$53,138,427
2019	$10,067,024	$7,084,794	$4,572,339	$2,982,230
2018	$5,460,587	$5,244,935	$1,577,897	$215,652
2016	$259,533	$172,771	$99,977	$86,762

MEDICAL DEBT RESOLUTION INC