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        <EOYAmt>0</EOYAmt>
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      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
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      <ReconcilationRevenueExpnssAmt>545945</ReconcilationRevenueExpnssAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>false</FSAuditedInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
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      <OnlyInHouseLobbyingInd>false</OnlyInHouseLobbyingInd>
      <AgreeCarryoverPriorYearInd>false</AgreeCarryoverPriorYearInd>
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      <AggregateReportedDuesNtcAmt>1651655</AggregateReportedDuesNtcAmt>
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      <GrantRecordsMaintainedInd>false</GrantRecordsMaintainedInd>
      <RecipientTable>
        <RecipientBusinessName>
          <BusinessNameLine1Txt>CAMPAIGN CONTRIBUTIONS</BusinessNameLine1Txt>
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        <CashGrantAmt>155500</CashGrantAmt>
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      <RecipientTable>
        <RecipientBusinessName>
          <BusinessNameLine1Txt>CHARITABLE DONATIONS</BusinessNameLine1Txt>
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      <SeverancePaymentInd>false</SeverancePaymentInd>
      <SupplementalNonqualRtrPlanInd>false</SupplementalNonqualRtrPlanInd>
      <EquityBasedCompArrngmInd>false</EquityBasedCompArrngmInd>
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        <PersonNm>DENISE DUNCKEL</PersonNm>
        <TitleTxt>CEO</TitleTxt>
        <BaseCompensationFilingOrgAmt>236250</BaseCompensationFilingOrgAmt>
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        <TotalCompensationFilingOrgAmt>311250</TotalCompensationFilingOrgAmt>
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    <IRS990ScheduleO documentId="RetDoc6">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4D</FormAndLineReferenceDesc>
        <ExplanationTxt>PROMOTE GOOD PRACTICE IN THE DEBT SETTLEMENT INDUSTRY.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 6</FormAndLineReferenceDesc>
        <ExplanationTxt>THERE ARE FOUR CLASES OF MEMBERS: ACCREDITED, REGULAR, VENDOR AND INDUSTRY ALLIANCE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7A</FormAndLineReferenceDesc>
        <ExplanationTxt>ACCREDITED, REGULAR, AND VENDOR MEMBERS HAVE THE POWER TO ELECT AND REMOVE MEMBERS OF THE EXECUTIVE BOARD OF DIRECTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 9</FormAndLineReferenceDesc>
        <ExplanationTxt>ROBBY BIRNBAUM 100 W CYPRESS CREEK RD, SUITE 700 FORT LAUDERDALE, FL 33309 SANJ GOYLE 2001 WESTSIDE PARKWAY ALPHARETTA, GA 30004 SEAN FOX 1875 S GRANT STREET SAN MATEO, CA 94402 YOLANDA SCHUFFORD 7322 SW FREEWAY HOUSTON, TX 77074 DAN FRAZIER 2000 COMMERCE LOOP N. HUNTINGDON, PA 15642 BRADLEY SMITH 2101 BUSINESS CENTER DRIVE, STE 120 IRVINE, CA 92612 KRISTIE BENDER 4500 SOUTH 129TH EAST AVENUE TULSA, OK 74134 DAVID GREEN 7100 WEST CAMINO REAL BOCA RATON, FL 33433 DIANE CHEN 3824 CASEY LEIGH LANE RALEIGH, NC 27612 NATALIA BROWN 50 MORNINGSIDE AVENUE NEW YORK, NY 10026 ROBERT LINDERMAN 1356 4TH AVE SAN FRANCISCO, CA 94122</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>FORM 990 REVIEWED BY SIGNER AND BOARD TO ENSURE ALL STATEMENTS ARE TRUE AND CORRECT TO THE BEST OF THEIR KNOWLEDGE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC BY REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
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</Return>
