Nonprofit · EIN 22-3226765
ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC
Tax-exempt · BOCA RATON, FL 33429
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $429,946 | $425,846 | $4,100 | $390,302 | $14,616 | $375,686 |
| December 31, 2024 | 990 | $389,613 | $469,918 | -$80,305 | $379,591 | $10,915 | $368,676 |
| December 31, 2023 | 990 | $345,668 | $337,182 | $8,486 | $481,468 | $32,487 | $448,981 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $19,500
- Program service revenue
- $399,080
- Investment income
- $11,329
- Other revenue
- $37
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $127,363
- Salaries, compensation and benefits (total)
- $135,931
- Professional fundraising fees
- $0
- Accounting fees
- $4,076
- Travel
- $7,099
- Program services (functional)
- $272,961
- Management and general (functional)
- $152,885
Balance sheet and other
- Total assets, start of year
- $379,591
- Total assets, end of year
- $390,302
- Total liabilities, end of year
- $14,616
- Net assets, end of year
- $375,686
- Net assets without donor restrictions
- $375,686
- Gross receipts
- $429,946
- Employees
- 1
- Volunteers
- 11
- Year formed
- 1993
- State of legal domicile
- NJ
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LORI POLLACK | EXECUTIVE DIRECTOR Officer | 40 | $112,000 | $15,363 |
| MARTIN LYNCH | PRESIDENT Trustee or director, Officer | 15 | $0 | $0 |
| CHRISTOPHER VIALE | VICE PRESIDENT AND CO-CHAIR Trustee or director, Officer | 7.5 | $0 | $0 |
| JUDITH SORENSEN | CO-CHAIR Trustee or director, Officer | 2 | $0 | $0 |
| PHIL HEINEMANN | TREASURER; TRUSTEE UNTIL MAY Trustee or director, Officer | 5 | $0 | $0 |
| RUSSELL GRAVES | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| ROBB CZYZEWSKI | TRUSTEE Trustee or director | 2 | $0 | $0 |
| GARY HERMAN | TRUSTEE Trustee or director | 2 | $0 | $0 |
| SAM HOHMAN | TRUSTEE UNTIL MAY Trustee or director | 2 | $0 | $0 |
| RICK MUNSTER | TRUSTEE Trustee or director | 7.5 | $0 | $0 |
| LORETTA RONEY | TRUSTEE AS OF MAY Trustee or director | 2 | $0 | $0 |
| MANUEL SALAZAR | TRUSTEE AS OF MAY Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2024: 10 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LORI POLLACK | EXECUTIVE DIRECTOR Officer | 40 | $112,000 | $9,849 |
| MARTIN LYNCH | PRESIDENT Trustee or director, Officer | 15 | $0 | $0 |
| CHRISTOPHER VIALE | VICE PRESIDENT AND CO-CHAI Trustee or director, Officer | 15 | $0 | $0 |
| JUDITH SORENSEN | CO-CHAIR Trustee or director, Officer | 7.5 | $0 | $0 |
| PHIL HEINEMANN | TREASURER Trustee or director, Officer | 15 | $0 | $0 |
| RUSSELL GRAVES | SECRETARY Trustee or director, Officer | 5 | $0 | $0 |
| ROBB CZYZEWSKI | TRUSTEE Trustee or director, Officer | 2 | $0 | $0 |
| GARY HERMAN | TRUSTEE Trustee or director | 4 | $0 | $0 |
| SAM HOHMAN | TRUSTEE Trustee or director | 2 | $0 | $0 |
| RICK MUNSTER | TRUSTEE Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 11 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LORI POLLACK | EXECUTIVE DIRECTOR Officer | 40 | $110,442 | $5,500 |
| MARTIN LYNCH | PRESIDENT Trustee or director, Officer | 15 | $0 | $0 |
| CHRISTOPHER VIALE | VICE PRESIDENT AND CO-CHAIR Trustee or director, Officer | 15 | $0 | $0 |
| JUDITH SORENSEN | CO-CHAIR Trustee or director, Officer | 7.5 | $0 | $0 |
| PHIL HEINEMANN TRUSTEE | UNTIL MAY 2023, THEN TREASURER Trustee or director, Officer | 15 | $0 | $0 |
| HILTON SHER | TREASURER UNTIL MAY 2023 Trustee or director, Officer | 5 | $0 | $0 |
| RUSSELL GRAVES | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| ROBB CZYZEWSKIC | TRUSTEE Trustee or director | 4 | $0 | $0 |
| GARY HERMAN | TRUSTEE AS OF MAY 2023 Trustee or director | 2 | $0 | $0 |
| SAM HOHMAN | TRUSTEE Trustee or director | 2 | $0 | $0 |
| RICK MUNSTER | TRUSTEE Trustee or director | 5 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 170 NE 2ND ST UNIT 1908, BOCA RATON, FL 33429-5085
- Principal officer (990 for 2025)
- LORI POLLACK, 170 NE 2ND STREET 1908, BOCA RATON, FL 33429
- Signed the 990
- MARTIN LYNCH, PRESIDENT
- Phone
- (866) 278-1567
- Website
- FCAA.ORG
- Return prepared by
- JM&M
Mission
TO PROVIDE HIGH-VALUE SERVICES DESIGNED TO ESTABLISH EQUILIBRIUM BETWEEN CONSUMERS, CREDITORS, AND MEMBER AGENCIES FOR THE SUCCESSFUL REHABILITATION OF DEBT-CHALLENGED FAMILIES AND INDIVIDUALS.
Program accomplishments
- MEMBERSHIP SERVICES - THE ASSOCIATION INFORMS ITS MEMBERS ABOUT STATE AND FEDERAL LEGISLATION, CHAMPIONS CONSUMER FINANCIAL EDUCATION, SUPPORTS INDUSTRY ISSUES AND INITIATIVES THROUGH THE MEDIA, AND STRIVES FOR THE MAINTENANCE OF CONTINUED POSITIVE RELATIONSHIPS BETWEEN CREDITORS AND THE CREDIT COUNSELING INDUSTRY. ADDITIONAL MEMBER SERVICES - THE ASSOCIATION PROVIDES INFORMED LEADERSHIP, ADVOCACY, AND VALUE-ADDED SERVICES TO ITS MEMBERS BY COLLECTING DATA ON MEMBER NEEDS, MEASURING MEMBER SATISFACTION, AND CONTINUOUSLY STRIVING TO IMPROVE THE ASSOCIATION'S EFFECTIVENESS. IN ADDITION, THE ASSOCIATION MAINTAINS A WEBSITE THAT PROVIDES INFORMATIONAL AND EDUCATIONAL RESOURCES FOR MEMBERS AND CONSUMERS IN GENERAL.Expenses $234,165 · revenue $371,447
- ANNUAL CONFERENCE - THE ASSOCIATION OFFERS EDUCATIONAL CONFERENCES FOR MEMBERS TO SHARE INFORMATION AND TO OBTAIN THE LATEST UPDATES FROM INDUSTRY EXPERTS ON CREDIT COUNSELING METHODS AND PRACTICES. SESSIONS ARE CONDUCTED FOR INDIVIDUALS AT ALL LEVELS OF THEIR ORGANIZATION AND ON MANY VARIED RELEVANT TOPICS. IN ADDITION, COUNSELORS IN ATTENDANCE AT THE CONFERENCE ARE ELIGIBLE TO RECEIVE CONTINUING EDUCATION CREDITS FROM THEIR THIRD PARTY CERTIFICATION PROVIDERS.Expenses $38,796 · revenue $27,633
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 22-3226765
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (509(a)(2))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 1998
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51)
- Assets (IRS master file)
- $390,302
- Income (IRS master file)
- $429,946
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $429,946 | $425,846 | $390,302 | XML |
| 990 | December 2024 | $389,613 | $469,918 | $379,591 | XML |
| 990 | December 2023 | $345,668 | $337,182 | $481,468 | XML |
| 990 | December 2022 | $236,933 | $218,047 | $571,523 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990-EZ | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 22-3226765).
Questions about ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC
- What is the EIN of ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC?
- The employer identification number (EIN) of ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC is 22-3226765.
- Is ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1998.
- Are donations to ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC?
- The 990 for the year ended December 31, 2025 names LORI POLLACK.
- Who are the officers and directors of ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC?
- The 990 for the year ended December 31, 2025 lists 12 people; 1 received compensation from the organization, the highest $112,000 (LORI POLLACK, EXECUTIVE DIRECTOR).
- How much revenue does ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $429,946, expenses of $425,846 and total assets of $390,302 at year end.
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