2024-09-06T08:25:18-05:00 2023-12-31 351476702 BRADY WARE & SCHOENFELD INC 3601 RIGBY ROAD SUITE 400 DAYTON OH 45342 990 2023-01-01 311410758 TRINITY CREDIT COUNSELING INC TRIN 5137690621 11229 READING ROAD CINCINNATI OH 45241 GARY A VOSICK EXECUTIVE DIRECTOR 5137690621 2024-08-26 1 0 THOMAS J GMEINER CPA P00197565 9372235247 2024-08-26 2023 2024-08-08 14:25:15Z GARY A VOSICK 11229 READING ROAD CINCINNATI OH 45241 9842219 0 X TRINITYCREDIT.ORG X 1994 OH EDUCATION AND BUDGETING FOR CONSUMERS. 3 3 0 0 0 0 0 0 4774122 5272953 -188552 174832 0 0 4585570 5447785 14843 140340 0 0 2205695 2825681 0 0 0 2415144 2454841 4635682 5420862 -50112 26923 8530388 8808422 1833904 1849576 6696484 6958846 X TRINITY IS COMMITTED TO ADDRESSING THE UNDERLYING CAUSES OF DEBT AND FINANCIAL DISTRESS FOR INDIVIDUALS AND FAMILIES. AS A CREDIT COUNSELING AGENCY, WE BELIEVE FINANCIAL EDUCATION PROVIDES A REMEDY FOR ADDRESSING DEBT, THE MISUSE OF CREDIT, BANKRUPTCY, AND POOR FINANCIAL PLANNING. TRINITY'S MISSION IS TO HELP THOSE EXPERIENCING FINANCIAL DISTRESS IMPROVE THEIR FINANCIAL SITUATION THROUGH COUNSELING AND EDUCATION. 0 0 4928193 140340 5272953 TRINITY PROVIDES CREDIT COUNSELING, DEBT MANAGEMENT, AND DEBT COUNSELING FOR INDIVIDUALS AND FAMILIES WHO ARE EXPERIENCING DEBT PROBLEMS OR NEED GUIDANCE TO FORMULATE A MONTHLY BUDGET. BEING A NON-PROFIT 501(C)(3) ORGANIZATION, MANY OF THESE SERVICES ARE OFFERED AT NO COST TO OUR CLIENTS. THOSE WHO INQUIRE ABOUT OUR SERVICE ARE GIVEN ACCESS TO A CERTIFIED CREDIT COUNSELOR. TO START, COUNSELORS PROVIDE AN EXPLANTION OF ALL THE SERVICES OFFERED. THROUGH CONVERSATION, COUNSELORS WILL FACILITATE A SERIES OF QUESTIONS TO OBTAIN INSIGHT REGARDING THE CALLER'S OVERALL SITUATION. ONCE ENOUGH INFORMATION IS COLLECTED, COUNSELORS USE THEIR EXPERTISE TO DECIDE WHAT OPTIONS ARE AVAILABLE THAT CAN TARGET AND RESOLVE THE CALLER'S SPECIFIC NEEDS. FOR THOSE IN NEED OF FINANCIAL COUNSELING, THE FIRST STEP IS THE DREE DEBT ANALYSIS. THIS CRITICAL STEP ALLOWS THE COUNSELOR TO REVIEW THE CLIENT'S INCOME, EXPENSES, AND IDENTIFY POTENTIAL PROBLEM AREAS. COUNSELORS GIVE SUGGESTIONS ON WAYS IN WHICH THE CLIENT CAN IMPROVE THEIR BUDGET AND FINANCIAL SITUATION. DETAILS PERTAINING TO DEBTS OWED ARE ALSO REVIEWED. RECOMMENDATIONS ARE EXPLAINED ABOUT AVAILABLE OPTIONS THAT WOULD ASSIST WITH REPAYING DEBTS. THE COUNSELOR WILL WORK TO IDENTIFY THE ROOT CAUSE OF THE CLIENT'S SITUATION SO THAT PROPER CORRECTIVE ACTION CAN TAKE PLACE. COUNSELORS WILL PROVIDE FOLLOW UP COUNSELING AT VARIOUS INTERVALS BASED ON EACH INDIVIDUAL'S NEEDS. WEEKLY, TRINITY RECEIVES AS MANY AS 590 INQUIRIES VIA THE TELEPHONE, INTERNET, OR IN PERSON. ANNUALLY, THIS AMOUNTS TO MORE THAN 30,000 PEOPLE WHO CONTACT TRINITY SEEKING OUR ASSISTANCE. ALL ARE GIVEN ACCESS TO A CERTIFIED CREDIT COUNSELOR. APPROXIMATELY 43% OF THESE INQUIRERS GO ON TO COMPLETE AN APPLICATION. OF THE APPLICATIONS RECEIVED, ABOUT 42% ARE ADVISED TO ENTER INTO A DMP. THE REMAINING 58% ARE OFFERED ALTERNATIVE SOLUTIONS SUCH AS WORKING WITH CREDITORS DIRECTLY, BANKRUPTCY, OR AN APPLICABLE REFERRAL TO AN OUTSIDE RESOURCE FOR HELP PERTAINING TO AUTO LOANS, MORTGAGE LOANS, OR STUDENT LOAN RELIEF. TRINITY'S EDUCATION AND OUTREACH EFFORTS ARE INTENDED TO INFORM THE COMMUNITY OF PERSONAL FINANCIAL MANAGEMENT SKILLS AND TECHNIQUES. TRINITY'S EDUCATION AND OUTREACH EFFORTS FOCUS ON SEVERAL TARGETED AUDIENCES: YOUTH AND ADULT FINANCIAL EDUCATION, COMMUNITY COLLEGES AND WORKFORCE DEVELOPMENT AND HOUSING EDUCATION. EDUCATION AND OUTREACH EFFORTS ARE COLLABORATIVE SUCH AS WORKING WITH PUBLIC SCHOOLS, COMMUNITY ORGANIZATIONS, GOVERNMENTAL AGENCIES, CREDIT UNIONS AND PRIVATE BUSINESSES. TRINITY STRIVES TO BUILD AND SUSTAIN COMMUNITY PARTNERSHIPS TO EXPAND ORGANIZATIONAL CAPACITY AND SERVES THE COMMUNITY THROUGH FINANCIAL EDUCATION PRESENTATIONS, WORKSHOPS, OR SEMINARS. IN 2023, 5,482 INDIVIDUALS WERE REACHED BY TRINITY'S EDUCATION PROGRAMS. 4928193 1 0 0 0 0 0 0 0 1 0 1 1 0 1 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 1 6 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 X 3 3 1 0 0 0 0 0 0 1 1 0 0 1 1 1 1 0 1 1 1 0 AZ CA CO CT DE ID IL IN KY MI MS MN NJ NY NC OH OR PA SC TN TX VA WI X GARY A VOSICK 5137690621 11229 READING ROAD CINCINNATI OH 45241 RANDALL K WHEELER DIRECTOR 1.00 X 4000 0 0 JUDY DURHAM DIRECTOR 1.00 X 4000 0 0 JOHN STEVENSON DIRECTOR 1.00 X 4000 0 0 DANA MOODY DIRECTOR 1.00 X 4000 0 0 GARY A VOSICK PRESIDENT 40.00 X 265697 0 67314 JADE DURHAM OPERATIONS MANAGER 40.00 X 198132 0 74569 479829 0 141883 2 0 1 0 0 CLIENT FEES 541900 3102389 3102389 FAIRSHARE CREDITORS 525990 2170564 2170564 5272953 215253 215253 4354013 4394434 -40421 -40421 -40421 5447785 5272953 0 174832 140340 140340 349012 124575 224437 1935375 1896665 38710 379575 284681 94894 161719 121289 40430 346 173 173 29350 14675 14675 29156 29156 1801190 1801190 76919 71537 5382 151364 140769 10595 18843 18843 33986 16993 16993 40345 37521 2824 23490 21846 1644 OUTSIDE SERVICES 86249 74508 11741 BANK CHARGES 43341 43341 EQUIPMENT RENTAL AND MA 41220 38334 2886 TELEPHONE 32524 30247 2277 46518 40353 6165 5420862 4928193 492669 0 1582365 1000235 55300 65400 27454 32841 562760 409297 137700 153463 4576443 5172628 1091714 1215375 1059412 1168480 8530388 8808422 774492 681097 557590 739248 501822 429231 1833904 1849576 X 0 0 0 0 6696484 6958846 6696484 6958846 8530388 8808422 X 26923 240140 -4701 X 0 1 X 0 0 X 320900 320900 5904997 6367342 5613907 4774122 5272954 27933322 5904997 6688242 5613907 4774122 5272954 28254222 0 0 0 28254222 66048 37571 218222 -188552 170131 303420 1585 1585 67633 37571 218222 -188552 170131 305005 5972630 6725813 5832129 4585570 5443085 28559227 0.98930 0.99320 0.01070 0.00680 X 0 1 X 144090 113643 30447 418670 295654 123016 153463 ANNUITY CONTRACTS 727658 F GOLD 416347 F SILVER 71370 F 1215375 TRUST ACCOUNT 739248 RIGHT OF USE ASSET 429232 1168480 LEASE OBLIGATIONS - LONG-TERM 332520 LEASE OBLIGATIONS - SHORT-TERM 96711 429231 X 5683224 240140 -4701 235439 5447785 0 5447785 5420863 0 5420863 -1 -1 5420862 PART IV, LINE 2B: THE ORGANIZATION HAS A TRUST BANK ACCOUNT. THE PURPOSE OF THIS ACCOUNT IS TO DEPOSIT THE PAYMENTS MADE BY THE CLIENTS AND HOLD THEM UNTIL THE CLIENT PAYMENTS ARE REMITTED TO THE CREDITORS. THE ORGANIZATION HAS NO INTEREST IN THESE FUNDS EXCEPT FOR THE PORTION IT RECEIVES IN TERMS OF FEES AND FAIRSHARE AMOUNTS. THE ORGANIZATION REMITS THE FUNDS TO THE CREDITORS WEEKLY. CLIENT PAYMENTS PAID WITH MONEY ORDERS OR CASHIERS CHECKS ARE REMITTED IN THE NEXT CHECK RUN. PERSONAL CHECKS AND ACH RECEIPTS ARE REMITTED APPROXIMATELY SEVEN DAYS AFTER THE DEPOSIT TO GIVE THE ITEMS ADEQUATE TIME TO CLEAR THE BANK. THE FAIRSHARE AMOUNTS DEDUCTED DO NOT AGREE TO THE AMOUNTS ON THE STATEMENT OF ACTIVITIES AS NOT ALL AMOUNTS ARE DEDUCTED FROM CREDITOR PAYMENTS. SOME CREDITORS REQUIRE THE ORGANIZATION TO BILL THE FAIRSHARE AMOUNT VERSUS DEDUCTING THE AMOUNT FROM THE REMITTANCES. PART X, LINE 2: THE ORGANIZATION HAS ADOPTED ACCOUNTING RULES THAT PRESCRIBE WHEN TO RECOGNIZE, AND HOW TO MEASURE THE FINANCIAL STATEMENT EFFECTS OF INCOME TAX POSITIONS TAKEN, OR EXPECTED TO BE TAKEN, ON ITS INCOME TAX RETURNS. THESE RULES REQUIRE MANAGEMENT TO EVALUATE THE LIKELIHOOD THAT, UPON EXAMINATION BY RELEVANT TAXING JURISDICTIONS, THOSE INCOME TAX POSITIONS WOULD BE SUSTAINED. BASED ON THAT EVALUATION, THE ORGANIZATION ONLY RECOGNIZES THE MAXIMUM BENEFIT OF EACH INCOME TAX POSITION THAT IS MORE THAN 50% LIKELY OF BEING SUSTAINED. TO THE EXTENT THAT ALL OR A PORTION OF THE BENEFITS OF AN INCOME TAX POSITION ARE NOT RECOGNIZED, A LIABILITY WOULD BE RECOGNIZED FOR THE UNRECOGNIZED BENEFITS, ALONG WITH ANY INTEREST AND PENALTIES THAT WOULD RESULT FROM DISALLOWANCE OF THE POSITION. SHOULD ANY SUCH PENALTIES AND INTEREST BE INCURRED, THEY WOULD BE RECOGNIZED AS OPERATING EXPENSES. BASED ON ITS REVIEW, MANAGEMENT DOES NOT BELIEVE THE ORGANIZATION HAS TAKEN ANY MATERIAL UNCERTAIN TAX POSITIONS, INCLUDING ANY POSITION THAT WOULD PLACE THE ORGANIZATION'S EXEMPT STATUS IN JEOPARDY AS OF DECEMBER 31, 2023. THE FEDERAL TAX RETURNS OF THE ORGANIZATION FOR 2020, 2021, AND 2022 ARE SUBJECT TO EXAMINATION BY TAXING AUTHORITIES, GENERALLY FOR THREE YEARS AFTER THE DUE DATE. PART XI, LINE 2D - OTHER ADJUSTMENTS: ADDITIONAL LOSS REPORTED ON FINANCIAL STMTS BUT NOT 1099 PART XII, LINE 4B - OTHER ADJUSTMENTS: ROUNDING 0 CITIZENS FOR COMMUNITY VALUES P O BOX 2945 COLUMBUS OH 43216 311075684 10363 0 GENERAL SUPPORT OF THE ORGANIZATION CURRAHEE CENTER 1236 CENTRAL AVE MIDDLETOWN OH 45044 455469534 15000 0 GENERAL SUPPORT OF THE ORGANIZATION DRAGON FLY 9275 GOVERNORS WAY CINCINNATI OH 45249 273183929 10256 0 GENERAL SUPPORT OF THE ORGANIZATION 3 X X X 0 0 0 0 0 0 0 0 0 GARY A VOSICK PRESIDENT 265697 0 0 0 0 0 43558 0 23756 0 333011 0 0 0 JADE DURHAM OPERATIONS MANAGER 198132 0 0 0 0 0 50813 0 23756 0 272701 0 0 0 SCHEDULE J SUPPLEMENTAL INFORMATION THE ORGANIZATION UTILIZES AN EMPLOYEE LEASING COMPANY TO PROVIDE PAYROLL AND BENEFITS. UNDER FEDERAL LAW, THE ORGANIZATION IS TREATED AS THE COMMON LAW EMPLOYER. HOWEVER, BY USING THE PEO, THE ORGANIZATION DID NOT FILE W-2S AND A W-3 IN ITS NAME. AS A RESULT, THE ANSWERS REGARDING NUMBER OF EMPLOYEES ON FORM W-3 IS ZERO. HOWEVER, ALL OTHER WAGE RESPONSES HAVE BEEN REPORTED AS THOUGH THE ORGANIZATION INCURRED THE WAGES. VOSICK ENTERPRISES LLC GARY VOSICK IS A BOARD MEMBER AND 100% OWNER OF LLC. 91200 LLC LEASES OFFICE BUILDING TO THE ORGANIZATION. 0 CINCINNATI COMPUTER SERVICES JADE DURHAM IS MARRIED TO THE OWNER OF THIS COMPANY 9520 CINCINNATI COMPUTER SERVICES PROVIDES IT SUPPORT SERVICES TO THE ORGANIZATION. 0 FORM 990, PART VI, SECTION A, LINE 2 GARY VOSICK IS MARRIED TO EMPLOYEE, SANDRA VOSICK. JADE DURHAM, OPERATIONS MANAGER, IS A KEY EMPLOYEE OF THE ORGANIZATION AND IS ALSO THE DAUGHTER OF GARY AND SANDRA VOSICK. JUDY DURHAM IS THE MOTHER-IN-LAW OF JADE DURHAM. FORM 990, PART VI, SECTION B, LINE 11B A COPY OF THE 990 WAS REVIEWED BY THE ORGANIZATION'S BOARD OF DIRECTORS BEFORE IT WAS FILED. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION HAS SIGNED STATEMENTS ON FILE TO VERIFY THAT THERE IS NO CONFLICT OF INTEREST. VENDOR LISTINGS ARE PROVIDED ANNUALLY THAT ARE REVIEWED AND SIGNED BY THE INDIVIDUALS. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD OF DIRECTORS USES COMPARABLE DATA FROM CEO'S IN OTHER NON-PROFIT ORGANIZATIONS (AS PROVIDED IN THE 990'S) IN DETERMINING THE AMOUNT OF COMPENSATION THAT IS APPROPRIATE FOR THE ORGANIZATION'S KEY EMPLOYEES AND PRESIDENT. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, COPIES OF FORM 990, FINANCIAL STATEMENTS, ETC AVAILABLE TO INTERESTED PARTIES UPON REQUEST. A COPY FEE OF $25 IS CHARGED AND THEY ARE MAILED WITHIN ONE WEEK TO THE INTERESTED PARTY. FORM 990, PART XI, LINE 9: DIFFERENCE IN REALIZED GAIN REPORTED ON 1099 VS AUDIT -4,701. PART V, LINE 2A - EMPLOYEES OF THE ORGANIZATION THE ORGANIZATION LEASES ALL OF ITS EMPLOYEES FROM AN UNRELATED THIRD PARTY LEASING COMPANY. THE ORGANIZATION HAS INCLUDED THE TOTAL AMOUNT OF LEASED EMPLOYEES DURING THE YEAR.