Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Jul 1998.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
93 cents of each dollar spent went to programs.
Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.
Who runs it and what they're paid
21 people listed on the 990; $913K paid to officers and key staff.
Loretta Roney’s $389K as President & CEO is at the 89th percentile of top reported officer pay among 3122 $10–100M human services nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.
Compensation history total reportable pay by year · 8 named individuals · Part VII
| Name | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Etta W Money | — | $214,007 | $418,106 | $417,910 | $460,366 |
| Loretta Roney | $388,723 | $224,219 | — | — | — |
| William Malseed | — | $129,815 | $239,157 | $269,520 | $296,114 |
| Soraia Dearaujo | — | — | $230,108 | $233,172 | $288,710 |
| Michael C Leon Board Sec as | — | $188,315 | — | — | — |
| Michael C Leon Board Sec | $184,601 | — | — | — | — |
| Michael C Leon | — | — | $166,827 | — | — |
| Sasan Saleh Nassab | $158,478 | $120,352 | — | — | — |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
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Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aNo
Programs and updates
Offers free counseling for debt, bankruptcy, housing, and student loans.
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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.
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.
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.
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Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2024 990, line by line.
Download 990
| Line | Start FY24 | End FY24 |
|---|---|---|
| Cash and savingsLn 1–2 | $1.5M | $1.2M |
| InvestmentsLn 11–13 | $4.9M | $5.6M |
| Land, buildings, equipmentLn 10c | $768K | $296K |
| Total assetsLn 16 | $8.3M | $8.5M |
| LiabilitiesLn 26 | $2.2M | $2.3M |
| Net assetsLn 32 | $6.1M | $6.2M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic organizationsLn 1 | $293 | $293 | ||
| Pay of current officers, directors and key staffLn 5 | $1.3M | $1.2M | $97K | $5K |
| Other salaries and wagesLn 7 | $3.6M | $3.3M | $255K | $13K |
| Pension plan contributionsLn 8 | $120K | $113K | $6K | $334 |
| Other employee benefitsLn 9 | $487K | $451K | $34K | $2K |
| Payroll taxesLn 10 | $355K | $329K | $25K | $1K |
| Legal feesLn 11b | $9K | $9K | ||
| Accounting feesLn 11c | $59K | $51K | $8K | |
| Other fees for servicesLn 11g | $171K | $170K | $900 | |
| Office expensesLn 13 | $9K | $8K | $612 | $32 |
| Information technologyLn 14 | $94K | $87K | $7K | $346 |
| OccupancyLn 16 | $261K | $242K | $18K | $962 |
| TravelLn 17 | $21K | $19K | $1K | $77 |
| Payments to affiliatesLn 21 | $4.6M | $4.1M | $522K | $4K |
| Depreciation, depletion and amortizationLn 22 | $37K | $35K | $3K | $138 |
| Other expenses (24a–d)Ln 24 | $3.8M | $3.8M | $13K | $5K |
| All other expensesLn 24e | $54K | $50K | $4K | $201 |
| Total functional expensesLn 25 | $15.0M | $14.0M | $1.0M | $33K |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2024 Latest Viewing | $15.0M | $15.0M | $7K | $6.2M | 990 PDF |
| FY2023 | $14.3M | $15.8M | −$1.5M | $6.1M | 990 PDF |
| FY2022 | $13.7M | $15.0M | −$1.3M | $7.4M | 990 PDF |
| FY2021 | $18.4M | $14.4M | $4.0M | $9.0M | 990 PDF |
| FY2020 | $17.6M | $17.2M | $404K | $5.9M | 990 PDF |
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Schedules filed Part IV
See the full FY2024 990 (4 parts)
Part VIII · Statement of revenue $15,025,410 across 7 lines filed
Part IX · Statement of functional expenses $15,018,843 across 17 lines filed
Part X · Balance sheet $8,464,175 assets, 15 lines filed
Part XI · Reconciliation of net assets $6,164,962 net assets at year end
Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File
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